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Loans for Self employed (less then 6month)
hi all, any help/feedback on this would be greatly appriciated. This time last year my husband was applying for loans with the lowest APR. unbeknown to us at the time that this was doing untold damage to our credit score. We then went to his bank who has been with since he left school, we managed to get a loan at an APR of…
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secured loan interest
Hi, I would appreciate any help or advice any of you kind people can offer! We (my wife and I) took out a secured loan on our home in 2007. Since then and the subsequent rate falls the payments have not altered. After contacting the concerned company (back in 2009) they stated that the rates were indeed variable however…
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Apple Finance Agreement
Hi All, This is my 1st post, just needing some advise... So 3 or so months ago i bought an Apple Macbook at my local apple store. It costed £899 and i took out the agreement to pay over 4 years with Barclays (whilst in the store). A few weeks ago i had noticed that nothing yet had been taken from my account (was supposed…
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house of stirling then global arrow now provident
hi, my partner took out a loan with house of stirling a few years ago, they went bankrupt and she has not heard from anyone in around 5 yrs, now she has a letter from provident saying the loan was refinanced 3 times and she now owes on three accounts. Yes, i'm thinking is this statute barred, truth is, it may be 6 years…
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Received suspected fraudulent loan application?
Hi, Getting a bit worried as I received a loan agreement in the post this morning addressed to someone I've never heard of. The agreement, from FLM Loans, says that an application for £3000 has been approved and the agreement needs to be signed and returned so the funds can be transferred. Initially, I thought the loan…
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Financing a car - refused a Halifax loan??
Hi guys, Can anyone give me some advice? I've just been declined a loan from Halifax (despite constant letters offering me £10,000) should I try elsewhere or is that me screwed? Thanks!
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loans after bankrupcy
Has any one heard of Borrow Finance? Being offered a loan at max interest of 6%. not sure if its too good to be true!
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Loans for the unemployed.
I wanted to try for a loan of around £8,000 so I rung Santander to arrange an appointment to discuss it. My credit rating is excellent, even though I am unemployed I have a mortgaged property and have banked with them for 25 years. I was told point blank I couldn't even have an appointment as I wasn't working! So is that…
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help- is this figure right for total settlement?
Hi We have a loan which we took out 2 years ago. We borrowed £7,500 over 4 years and the interest rate is 15.9%. I have requested a settlement figure and the figure is £5,230.51. Does this sound right? Have they still added the interest on for the whole term agreement? We currently pay £207.00 back a month and I have…
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PayDay loans
Hi all I am looking into getting a payday loan. Does anyone know of a repitable companies with first hand experiance? Gareth
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International student loans
Hi Guys, Having sifted through pages and pages of just words with no meaning, i figured it'd be best to just ask people who have been through the same thing. I'm heading to Australia to start a course for 2 years, can i get student loans in Oz, do i have to use a U.K Loan ooooor are there any other options? What's the best…
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Barclays top up loans
Hi I have just been reading on the barclays website about their top up loans and just wondered if they applied to career development loans. I decided to split the cost of my Msc at uni with a £4,000 CDL and a part time job to pay course fees, rent, bills, etc. Unfortunately, since moving back to uni in september i have…
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Loan arrears
I have an unsecured personal loan with HSBC and having changed jobs have ended up with a month where I will be unpaid. As such I'll struggle to make the payment on the loan and HSBC have said that will be ok but I will fall into arrears which I shouldn't have any problem paying back over the following two month period.…
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Buy Now, Pay Later loans questions.
Ello, I'm really sorry if this is in the wrong place, wasn't sure where to put it! Anyway, I'm looking to buy a half decent digital piano from Dawsons and I was about to embark on some serious saving...but I need the piano pretty quick (have exams coming up!) Anyway at Dawsons they have a Buy Now, Pay Later deal where you…
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Car finance with bad credit
I'm looking for advice on car credit. I took out a PPP on a new car in 2007 over 3 years. In that 3 years my partner and I experienced financial difficulties which resulted in us having to have a debt management plan set up. We pay an agreed amount of debt each month although it is below minimum payment, so this has given…
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Volantary Termination - Does this sound right?
Hi Folks, Having just exercised a volantary Termination on my HP agreement on a car and handed it back to an auction site 2 weeks ago... I have been told by the finance company (Black Horse) that the account will not show up as settled on my credit rating until it has been sold at auction... does this sound right to you…
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i-phone roaming
Hi, I am just back from S America and recieved a text from vodaphone to call them as there were 'unusual usage' on my i-phone. I discovered my phone had been 'roaming' while I was away!! My bill stands at £1100. My highest bill to date was £60. Vodaphone only contacted me 2 weeks later after I had run up this huge bill.…
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I need to ask for total of loan charges --help!
Hi - took out personal unsecured loan with blackhorse.. for last couple of years been paying reduced monthly amount and issue has been the default charges and interest they have applied -- I want to take issue with these as have continually requested they freeze both as I have always paid on time the amount we have agreed…
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How long before I can apply for a loan?
Hi, when I moved house last year I accrued about 12 searches on my credit history (utilities, mortgage, credit cards, loans (for comparison)etc). The loans/credit cards were not approved at the time because of the other searches and I recently tried again for a loan with 2 different lenders but again was turned down. I…
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Car finance, paying off the interest first
I have paid 3 years of a 5 year £11,000 £280 p/m arnold clark car loan. I was hoping to change vehicles but the settlement figure is £8,000 because the type of loan i was given was to pay off the 5 years of interest before the actual £11,000 loan. I thought i would only have about £4,000 left to pay. Is this normal because…
