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Credit File and Loan Payments
A while back I defaulted on a loan account with £*** as the default/delinquent balance on my equifax credit file. However strangely the Current Balance shows as £0, and the status is showing as Settled. Have they given up on me? I am now in a better financial position and want to clear off all my debts, past and present, I…
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Too late to reclaim PPI?
Hi everyone, I'm hoping someone can help me. I have a HFC loan which has roughly 1300 quid left on it to repay. I took it out over 7 years and have paid back nearly 18000 pounds already. I did write 2 years ago using the template from this forum re reclaiming the PPI and they refuted the claim. Although I could have gone…
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Loan Template
Hi, have been advised to post a new thread so here goes! Outline is: My house mate needs to loan some money from me, were friends and have known each other awhile, and at present no one else is in a position to lend it them. They have a house for sale as well as paying rent on the property we share and there outgoings are…
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Need a unsecured loan. can anyone help?
Hi guys, thanks guys
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reason
what is the difference between unsecured bad credit loans. why their interest rates are so high ?
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A salutary tale...
I thought I'd share a recent experience with all of you money savers here. I've been a lurker on here for many years and often read tales of woe thinking "I've a good handle on things, that couldn't happen to me" Guess what, it just did happen to me, and from an angle I never considered. I'm married, 50, reasonably well…
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Loan quote check?
Hi all, Im looking to apply for a loan to consolidate my debts, and if possible help me cover wedding costs. Does anyone know if companys are able to do a credit check on you and then advise what they are able to lend you rather than giving them a figure that might be too high? I dont want to apply for too much if its…
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First direct loan application
Are they easy to get, as you have to be an existing customer? Want 7.5k @ 7.5% over 5 years....earn good wage into FD Account (40k) Will I get it with typical APR.....any experience shares?
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Student Loans Statued Barred
I hope that someone can help me? My husband took out a student loan pre 1998. He last deferred 28th February 2005, we then moved abroad for 5 years and forgot to contact them. When returning to the uk the student loans company (link financial) demanded that we pay the full 6k back immediately (there has I understand been…
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Cygnet Financial Services Limited
do they report to credit reference agencies? i understand they are acf car finance subprime arm. anyone have an idea of current interest rates they charged?
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Poor credit rating but need a loan - any suggestions?
We are a couple in our late 40s. We realised nearly three years ago that, when the credit card merry go round stopped, we were living beyond our means by about £300 per month and resolved to do something about it. We got rid of credit cards and organised a loan to consolidate some debts and began to budget accordingly.…
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PPI offer
Can anyone offer me some advice? My bank has has offered me a PPI refund, but because i still owe on the loan they are saying the payment i will recieve will go straight to my oustanding balance. I am quite happy repaying the loan off. Can they do that or can i choose to see a cheque through the post? cheers Nat
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Natwest personal loan -- have I overpaid?
Hey all, A few years ago I took out a Natwest personal loan (£2k, 5 years, ~17.7%, £50/month). In my online banking, the loan showed up as personal loan, balance £-3k. I assume the extra £1k was for the expected interest, and a quick loan calculation agrees with me. Over the years I have made a few overpayments in online…
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Applied and accepted for a loan - should i apply for another?
Hello Hopefully someone can shed some light on this. I've recently applied for a Tesco loan for £15k and accepted at 8.4% as advertised. I've now realised (and I thought I researched it!) M&S do £15k for an advertised 6.9%. My questions is, can I, should I apply for the M&S after already been accepted for the Tesco one?…
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Lending Stream
Has anyone had any dealings with lending stream loans?
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Paying off loans with new credit card 0%..is it possible
Can anyone tell me if there is a way to take out a new card to pay off bank loans on 0% interest as there is to pay of credit card transfers? Thanks
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Paid off old loan to take out a new one ( well i thought i did )
Help Needed Please :-) I originally had a loan with no problems, i decided i wanted to borrow extra money. So i applied successfully for another loan, and i was given the settlement fee needed to pay off the old loan and the remaining balance was put into my account:j within four days. Great within the four day the money…
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Capquest help? (if wrong section then sorry) :(
Okay so i recently got a letter from Cap quest. I have never heard of them whatsoever and they say their client is Capital One. I had a credit card with them 2-3 years ago. I had some problems paying for it but in the end we settled a payment of £10 A week for 2 years. Anyway that was a long time ago and now the letter is…
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Credit score help
This showshow naive i am...... I wanted a loan for £10000 over 5 yrs. I enquired with M&S, Tesco and A/L, i also enquired to add to my mortgage with A/L, and enquired for a credit card with tesco and M&S....stupid i know...hindsight and all that. I was just seeing how much each would cost, little did i know that these…
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Credit Rating V Loan Advice needed
Hi Guys I was wondering if I could have some advice as not sure whats the best thing for me to do.. I have 3 credit cards that I am only paying off just over the minimum each month which isn't getting me anywhere, I only bought my house 12 months ago (single mum of 2 aged 36) so have been waiting for my credit file and…
