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Son's Debts
My son has taken out short term loans (I don't know how many) against his pay. He has lost his job but, he has used my address as the contact for the companies. Thus far I have had a couple of phone calls and about 5 letters. Regarding the phonecalls, I have told them he doesn't live here. The letters I have returned to…
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NRAM want to asses our income every 6 months
Can they do this? Originally we had a mortgage with Northern Rock with an unsecured loaned attached to it. 5 years ago we moved our mortgage to a different providor but maintained the unsecured loan with Northern Rock. Recently we have had telephone calls from NRAM asking us to complete statement of income forms. When I…
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any suggestions for my mum?
My mother lent (at no interest) my brother 60K to build an extension on the house they both live in. He had some strange ideas and the property now has 5 bedrooms but no garage. Being over 80 her needs have changed over the last couple of years and she wishes to move to more appropriate accommodation. Under the orginal…
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Loan advice please!
Hi all, wanting some advice if possible please! Currently have no other debt other than for my current car, however its been causing me no end of problems so I'm looking to get an almost new car. My current loan with Tesco is for £9800 (with a settlement figure of £8500) I earn £1400 a month (in my hand) and I'm looking to…
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Can you pay off a loan with a 0% credit card?
Hi folks, I have an outstanding loan of 4500.00 and pay interest on this as expected. However, is it possible to transfer a loan dept onto a 0% transfer credit card? Thank you
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Best way to borrow against my own money
I want to buy a property and I have the cash to do so. However about half the value is tied up in fixed rate savings accounts for up to 18months. What is the best/cheapest way to borrow against the property or the cash itself for 18 months? -- John
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Payday loans
I really need some money to tide me over until pay day. I received a text guiding me to a website, pocketpayday.co.uk (text is from moneyoasis.co.uk). They say they'll lend me 200 and I pay back 250 on pay day. Has anyone had experience of these people? Thanks
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pay off to borrow again?
hi there fellow savers.. ive got a question and would like your advice. im getting married in september:beer: this year and would need atleast 10k to get me through all the expenses(which includes clearing my OD, CC and a zopa loan) to start fresh. Im not looking for a loan for bad credit so please do read on.it might…
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Trying to get finance, three years on
Hi everyone! New to here so apologies if this is a repeat from everyone else’s problem. I know this looks lengthy but please please bear with me. In 2007 I did a lot of card hopping to make use of balance transfers etc. As some cards only allowed small limits, I ended up with more and more cards. I know, bad move. I was…
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Joint account loan
I am having trouble getting a small loan. I was just wondering if I would be more likely to get a loan for my joint account as my partner has a much better rating than myself?
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Rejected for a loan - is there any point going back to them?
Hi all - wife and I have flawless credit records, and were today turned down for a loan from the bank we hold our current account with. I'm actually quite angry about it but that's another matter - I was wondering if there is ever any point in approaching them (Santander) and asking them to reconsider, especially if we set…
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Is returning to university worth doubling my student debt?
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car finance help
we seem to be stuck in a horrid situation with no way out (that I can see) my husband drive a big car SSangyong Rodius, we took finance out (HP?) on this when he was working for a company that paid towards it instead of taking one of their company cars. we chose it as it fit the 4 kids in, towed the van and he only worked…
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What should I expect my credit rating to be!
Hello all, hopefully one of you will be able to give me a bit of info on my situation as follows... I'm 31 years old, and for the first time, i'm thinking about getting a mortgage. I'm saving at the moment for my deposit, but have no idea if my credit score will be good enough. The reason for this is that when i left uni…
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Loan or cash for car?
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Black Horse - Hillesden/DLC Default....this is a good one - need help!
Let me give you a bit of background..... I was a young lad (about 22) who purchased a car for £17k (I only have myself to blame) and around 1 yr later asked for the car to be repossed as I could no longer afford the repayments. In 2004 the account was defaulted by Blackhorse.....I made payments upto Jan 2009 of circa £50…
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Car on finance
I currently have a car with blackhorse finance on a hp contract but have only had it for approx 6 months but wanting to hand the car back as I have missed two payments and is no longer practical as we have a baby so just wondering what I could do to shift it ? The total i toke out was £17k and the car was £11k.They have…
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Can we take his guy to court?? please help
My now husband took a loan out for a "friend" of £10K (once all paid back was £16K) as he had a gambling habit and had some very nasty people chasing him (so he was told) as this was a life long friend he didnt hesitate to do it. Not long after this "friend" was arrestd and sent to jail for fraud - he tried to "remortgage"…
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pay day loan defaults
Hi everyone i just wanyed to let you know i had good success with payment plans with wonga. quick quid and tooth fairy fianance. the day i defaulted on all these which i meant too as i cancelled my card, i sent them an email and they all replied within 24 hours agreeing with the plan. I was really worried about doing this…
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Overpayment of a loan
I am in the process of paying off debts. Next on my list was a £10K loan with Santander which is over 5 years. The plan was to use freed up cash to overpay by approx £200 per month which is double the current monthly payment. However...we have just spoken to them and they say that there is no facility to overpay as we took…
