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Advice needed on obtaining a loan - unemployed, w/income, excellent credit rating.
Hi I hope someone here will be able to offer me some advice. I'm sure that there will be one or two people reading this post who will form certain unfavourable opinions of me and my circumstances. I ask you to reserve judgement and remember that you are not aware of all the details. So let's stay friendly, okay?! ;) I am…
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Loan Advice Needed
Hello, I am in need of some financial advice. I have a £2,100 overdraft, £2,800 on a Barclaycard, £750 on another credit card and £350 on a store card. I want to consolidate this and pay them off and pay back one monthly payment. I've applied for a loan through tesco (declined), sainsbury's (declined). I went into my…
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has anyone else seen this? i think its a scam. please advise!
a local website/ facebook page is advertising a link to a site that offers a free loan to anyone over 16, that you dont have to pay back and only costs you £20. i cant post website links as a new member, but it is investments. moonfruit. please let me know what you think or if you have used it! i have contacted the local…
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£3,000 for 2 months
Hi guys, I’m looking to borrow about £3,000 for 2 months and I was wondering what people think is the cheapest way to go about it. This money will only be left untouched in my bank account for evidence purposes and not for buying anything. Now, I have lots saved (£20k+) in a shares ISA account but I don’t want to touch it…
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Loan please give me advice !!
HI About 3 yeras ago, me and me wife, we took a loan for 20000 in natwest to build house in Poland. Last May we split up and she went back to Poland. She keept the house but i am still paying this loan. Please note this is a personal loan and its on her name, we have join bank account but there is no incom from her only my…
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Welcome Finance
Just short of 3 years ago i got a unsecured loan through welcome finance. I have been paying 131 pounds back a month. I missed a 5 months payments due to money problems. I rang just before Christmas and asked to make extra payments so my loan would still finish in April. They advised me to pay 300 pounds a month for the…
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Beware flm loans
I have never asked for this company to contact me,they have sent 12 text messages and an application form to my OLD ADDRESS with a loan account number on.I don't know how they found me but i can't get rid,BEWARE
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I have been offered a loan, are all the credit checks now done?
I have applied and been accepted for a M&S loan but the interest rate is 9.9%. I want to appply for one more loan to see if I can get a better rate, before I accept this one. I am at the stage of waiting for the paperwork to come from M&S, I have had an email to confirm acceptance. My question is, will M&S will have done…
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Trouble with blackheath loans (oh what a suprise)
I was wondering if someone could give me advice. Basically I took a loan out of £1,000 with blackheath loans in 2007, after numerous problems with this shoddy company I finally paid off the ammount in febuary 2010. I ran in to trouble with the company after my final payment as they tried to tell me I owed them 3 months…
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Loan for travel/work abroad
Hi, I am currently working at a bank call centre looking to save some money before I head to Australia to work out there for a few years. I'm hoping to save enough money to go without applying for a loan but was just wondering, if I was to apply for one, what sort of response I would get if I were to say it was for travel…
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Car Finance - am I likely to be accepted?
So I'm just about to graduate from university at the age of 22 and will be working on a self employed basis from the middle of May. - This requires me to get a reliable car. I've worked out that I want to spend about £7k on a car however this has so far brought up problems - no one will accept a loan application from me (I…
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Santander Car Loan - Quick Question
I have a quick question relating to a 'motor finance agreement' with Santander. I am buying a new car this weekend, using my existing one (which I bought in June 2008 with said Santander motor finance agreement) as a P/X. However, it has just occured to me - I have 16 more payments of £111 to pay on the agreement (although…
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Mistake by loan company..
Hello all, I'll keep it as brief as possible. Almost seven years ago I took out a loan. I have been paying it off faithfully, every month without fail, no payment breaks, missed payments or payment holidays. The loan is due to be repayed in three months time, and today I received a statement, which shows my next two…
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Norton Finance - incorrect broking info!
Hi there, We applied to Norton for a loan but didn't want it secured on our house. They said that they would have to refer us to their 'express' team who would be able to broker for us. I gave the team our joint details and was contacted yesterday by one company (Everyday Loans) who just had my husband down as the…
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advice needed on a loan
We need to sort out a consolidation loan for £18,000 to pay off credit cards my husband and I have, but are struggling and have been declined a couple of times. Our monthly cost to pay for these credit cards is £450 which we are not struggling to pay but if we were to get a loan out over 7 years we could save ourselves…
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Loans For Bad Credit
Hi, I have a very bad credit rating and find myself in a situation were i have a few big expenses coming up in April and need to get a loan for £500-£1000. I was wondering if anyone could point me in the direction of a company who may be able to help. I would prefer it not to be a guarantor loan. Anyone know any companies…
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Barclays Personal Loans
My other half has just applied for a £5k loan via her online banking with Barclays. She's not the brightest button in the box and I'm worried she'll have agreed to the payment protection insurance (the repayments are £146 over 5 years totalling £8760 :eek:) so what I'm wondering is will we have chance to cancel the payment…
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So Confused???
Hi All, After finally sorting my credit files out, I did the barclaycard pre check and it churned up the starter credit card @ 29.9% and can't understand why :think:. Would this be because I have "arrangement to pay" entries on my equifax file (over 3 years old). Everything else is bob on. My experian file looks great and…
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Loan application problem
I am 22. I have just applied for a personal loan with Sainsburys and i have been declined. I am a homeowner and have had finance for tools for work before, but i have never had a credit card, car on finance or a contract phone. Help???
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Short Term Loan
I'm looking to get a short term loan (45 days max) of £3600 to max out my ISA. I was planning on getting a cash advance on my credit card as this is going to cost me 2.075% (£75 ish) and I can pay it off in full the following month. The £3600 in my ISA would earn 3% AER for the entire 2011/2012 tax year which would cancel…
