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7K loan to replace debts
Hi, I am looking to get a loan to pay all my debts off which comes to a total of £7200. I bring home more than 1144 a month and after bills which exclude the debts, 725 is expendable money. Annoyingly a few months ago I did have one late payment due to being short of 20p. But other than that I have had a fairly good credit…
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Welcome Finance have defaulted !!
Who can you go to to complain about Welcome Finance as the Financial Ombudsman can't do anything since they have defaulted. The FSCS are dealing with PPI but my complaint involves so called arrears on a loan that has come to the end of its term
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2.3k Loan, 6k cards, advice?
Heya, very useful website and I'm looking for a clever and cost effective way to clear off my debts, I've got the following: Credit rating: Fair (Not on electoral role brought it down, recently moved house) 2k Overdraft (Currently costing me nothing, I graduated and have student account) 2.3k Loan, 8.9% (More on this in a…
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Loans for Self Employed
Hi there, I was wondering if anybody could help me here - I am self employed and have 2 years of tax returns so far (I guess it will be 3 soon). Now, the first year's income was pretty dire with start up costs etc, and slowly getting better. My income in the 2nd year was about 8k, and this year will probably be about 10k.…
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Welcome Finance Problem
Hi, I've taken out a loan with Welcome in 2008 for £2500 and have made all of my repayments on time appart from 3. I missed July 08 payment but made this on 20/08/08, I missed Oct 08 of which I made part payment of £50 on 01/12/08 and I missed Jan 09 which I paid on 02/02/09. My contractual amount each month was £136.18…
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Payday Express Cleared out my account!
To cut a long story short, I had a payday loan with payday express in approximately January, got into trouble and approximately 4 or 5 weeks ago put it onto my debt management plan with the CCCS. The CCCS have informed them, I have informed them (many times, by email & recorded delivery correspondence) and all has been…
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Bank cannot provide copy of Agreement....
Morning all, I got some advice over on the debt-free wannabee board as Moorcroft Debt Recovery are chasing me for a First Direct Loan I defaulted on I have my reply from Moorcroft and would appreciate anyone's advice on what I should do next! Please bear in mind that my loan started in July 2007, 3 months after the ruling…
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Which is best among these for running shoes : Adidas,Nike,Asics or Reebok?
I'm planning to buy a good pair of running shoes,not the ones used for track running but the usual warn up shoes,which would a be a good choice?
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Loans of £20,000 for a house
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Business Loan Advice
I am running a Cleaning business from last 3 months and not making any profit, as i am not expecting it at the moment but i want to borrow unsecured business loan around £15000 to buy a van, expanding my business and marketing purpose. I am running my business through a limited company and could pay easily £400 a month on…
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26 trying for 15k over 2 years
Im trying to get a 15k loan over 2 years. I have a credit rating with experian, equifax and callcredit all around 820. have 1700 left on two credit cards which i pay well over minimum each month and i get 32k after tax my outgoings are 500 a month and the rest is disposable income. any ideas why im getting refused i worked…
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Loan for law school
I took out a loan to go to law school with NatWest (the only bank that offers the loan) - the interest has almost oubled the load and I have to pay back £500 a month! The loan is 2 separate loans and when I asked to consolidate it to reduce payments I was refused. I dont know what to do - will another bank lend me the…
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Experian Credit Score 760
Hi. I checked my credit score today and it's now at 760, is this a decent credit score and would creditors lend to me. Im just wondering as i'm looking to get a loan but don't want to apply incase i'm rejected and it leaves a footprint on my report. Thanks
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Payday loan issue - please advise!
Hi, I'm new to this, so apologies if this is in the wrong place. I am in the process of beginning a DMP so am waiting to hear from creditors. I have been signed off sick, so am currently on benefits and my income has reduced drastically. One of my creditors is wonga and i missed the payment last week. This isn't a problem…
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Dad wants to buy Mum out of her share of the house, solicitor says no!
Hi all, I hope I have this in the right category, if not I am sorry. I need some advice for my parents, basically they are both pensioners who no longer wish to live together. My dad wants to remain in the house they own with no mortgage while my mum wants to move out. My dad wants to buy my mum out of her share of the…
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25k consolidatory loan needed - no chance?
Hi all. Please be patient as I am asking for advice from those who know - rather than holier than thou criticism for the mess I'm in. I have around 30k on credit cards. There is good reason for this but it doesn't add to the post so I won't go into it. I currently pay around £750 per month in interest and, of course, the…
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Short Term Loan Options
Hi All, I've got myself into a bit of a pickle and not sure on the options. I have bought a new car, well to be correct I have placed a deposit with a private seller and due to pick the car up on Saturday morning, all fine there. The problem is that I had planned to sell some shares to finance the purchase and just…
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Loan applications i have not made
Hi I hope you can help me. Recently i have been receiving letters and phone calls about loan applications i have not made. Today i was rang about a loan for £3000 for debt consolidation and payday loans. The original loan was declined so had been passed onto them. I have spoken to the company (cant remember what they are…
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Looking for loan
Hi all:) This is my first ever post so please be patient.:o I'm a student who is unemployed but looking for work, and have a bad credit record thanks to all those bankers whacking up my interest rates at no notice!:mad: I am looking for a special type of loan (around £2000) for personal but very important reasons. All the…
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Help needed please re: Broken mobility car. no-one accepting liability.
Hi, this is being asked for a friend of mine who is in a bit of a predicament at the moment. 11months ago her 90yr old gran got a car via mobility as my friend is her carer and really does do everything for her including taking her to her many doctors appointments and shopping etc. About a month ago the car just died!…
