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Maybe daft question...
Example. Someone with an excellent credit history wants a loan for say £5000. The APR for this amount is more than it is for a loan between £7000-£15000. This someone would get a better deal borrowing say £7000 at the better apr, only spending the £5000 they need and keeping the rest there to pay off the monthly amounts,…
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Need to borrow £1000- no help from banks
Hi guys, Just want to first of all say hello, and how much I admire the community spirit that is present on this forum- it really is something else. Anyway i'm 22 years old and have recently moved from my home in Scotland down to London to start a new job. My monies have taken a kicking since moving down- first of all…
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Be careful when you do a credit check
Hi Guys, Please don't use any other services in the Credit Expert site. You will loose your credit rating just looking at it, especially the Lower My Bills service. I was using the Credit Expert site to check my credit score. Last week my score was Good. This week as I still got the whole month membership with them I…
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Asking Dad to lend me money?
Hi All, I have been stuck in the payday loan trap for over 6 months now... I have paid them all off again at end of Feb but as normal i'm left with no money. I am determined not to borrow from them again but have overdue bills i need to pay and obviously need some money to live off until i get paid again at the end of…
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Joint loan with ex husband advice
I have a joint loan with my ex-husband of 4 years. When we divorced there was a court order saying the house to be sold and any money to pay off the remaining loan debt, and if there were anything left it was to be split equally. There was about £10k of debt left. He was ordered to pay my costs (long story) and therefore…
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Credit rating?
I have never had a loan etc before. My partner and I are applying for one now, and I know it's all speculation until then, but wondering how likely we will get it. The loan is to cover debt on two credit cards- he was divorced years ago, and this is the end result, there's 10,000 left roughly to pay off on two cards. I'm…
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Thinking of starting up a loan business
I know this is probably a messy business but hopefully it can be rewarding
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borrowing from your employer ?
Hi all, Has anybody had any experience of borrowing money from an employer? I have been relocated and have been offered a loan from my employer to help with the cost of buying a new home. This will be interest free but will be taxed in the same way as my company car, (benefit in kind) how much would a £15000 loan cost in…
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Equifax credit scoring
At the end of January I was refused an interest free loan by a very well known DIY store. In all my life I have never been refused credit so I was very surprised by this. I immediately decided to check my credit score. First up Experian who scored me as excellent. Then I looked at Equifax who appeared to have two items of…
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Too many calls
I am currently receiving 4/5 calls or texts a day from various loan and consolidation companies.They say i have applied for a loan and they can help me,i haven't.I tell them i am registered with TPS and reply STOP to the texts but they still keep coming.Anyone else having problems?
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Ordering from Next online - beware
Afternoon All, I've been online shopping for the best part of 11 years now. Apart from some late deliveries I haven't really had any underhand experiences. Until Now! A few months ago I ordered some curtains from Next Directory Online. I was given no choice at the checkout except to sign up online and pass my credit card…
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Really quick daft question re loan app
Hi all, just a quick question. This is a really dozy one so apologies! Form asks for how many people living at address then next question how many employed people at address. For the first q, do they mean adults or inc children?! Told you it was a daft question!
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If my wife has £50k in a savings account in her name...
would her credit rating strenghen? ie to get a loan Its money she is looking after for her mum form her nans will many thanks
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Mr lender
Hi, I know it was stupid but in desperation i took a loan out with Mr lender. Paid back quite a lot but then fell into arreas... explained this too them but got constant calls to work, mobile etc and they were rude to my colleagues that answered the phone and also told them where they were calling from!!! long story short…
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Zopa Loans - Low Rates
I have been lending in Zopa for a while. I have not been lending massive amounts of money. The rates I can achieve lately are much lower than I have achieved in the past. Any top tips to gain a better rate?
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Loan - Early Repayment
Hello all, I will be purchasing a car in a few days time. I wish to take a loan of around £7-7.5k out to pay for it, spread over 5 years. I would like to make additional payments each month depending on how much I need to spend (most of my salary is disposable). My understanding is that the bank will reduce the loan…
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Lending money out-how to make it legally binding?
Not sure if this is the right thread but here goes; A friend of mine is prepared to lend the sum of £4000 to a trustworthy friend. And I advised that a contract of some sort shouldn't go amiss. My question is; -can they draw up their own contract? If so what details need to be recorded and how should it be worded?…
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Getting A Name Removed From A Joint Loan
Good evening all:) My soon-to-be-ex-wife and I are currently negotiating the financial aspects of our divorce. We currently have a substantial joint loan with Lloyds/TSB and I am very uneasy about having a financial clean break but retaining a joint commitment. After all, what is to stop her seeking an IVA out of spite and…
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Refused a loan from my bank
I applied to have a debt consolidation loan of £10,000 from my bank Alliance-Leicester (Santander) They have written to me stating they can not give me a loan due to information on me held by Equifax, Call Credit and/or Experian. I have checked all of my credit files with these credit reference agencies and there is NO…
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Help Needed I've Been Stupid
I apologise if this is posted in the wrong place but.... I was made unemployed in Oct last year after an accident, and decided to take a out a payday loan to get me by (foolish i know). I was off work longer that I thought I would be so had to take out another payday loan to pay off the first one. It then spiraled abit…
