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Borrowing from Zopa
Hi, does anyone have any experience of borrowing from Zopa? I would like to borrow about £3-4k for a planned purchase, I know my credit score is low due to previous problems which are now resolved and under control and I have worked out how much I can afford to repay. I would like to know if they're reliable and I am…
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Advice on CarCraft loan in dispute
Ok, a little bit of advice needed please. Firstly we made a huge mistake ( no criticism needed, we've covered all that ourselves!) by buying a car from Carcraft / CarShaft. Hubbys car but I was with him. Hubby is severely dyslexic and has Irlens (diagnosed since the purchase) and I have health problems which mean I have to…
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help with black horse issue on secured loan
hi hope this is in the right section i have a problem with black horse finance and require some advice please i am currently in arrears with my secured loan with black horse finance i originally put an agreement in place to pay £250 a month of my secured loan which was to cover my payment and arrears and was told no…
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Payment plans for payday loans?
I have 2 outstanding payday loans with Payday UK and Payday Express. To settle them will cost me £1000 in total (£500 each). Does anybody know whether these companies provide payment plans to make it easier to repay these loans? Alternatively, can anyone recommend a good strategy to pay these off. I have tried to obtain a…
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Help Me CCJ
Hi all Im new to this im filling out a n244 and wondered if i could get some advise. What order are you asking the court to make and why? set judgement a side. I moved from the address this CCJ went to on the 6th of January 2006 due to getting a divorce, so i never recieved any letters so was unable to defend myself. The…
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Applying for loan after refusal
My husband has just had a loan declined by Sainsburys (although they have given him a number to call for acceptance of a loan with APR of about 17% from a sister organisation) Applied for 6.8% originally as advertised. Looking at finances again, we could probably sort the money out differently and he could apply for less…
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Credit help and advice, pls?
I was married in Dec '10, we had a big wonderful wedding. A lot of which we used credit cards to pay for, no.1 because we didn't know how much we would need for an upfront loan and no.2 for consumer protection from VISA. All went fab and I was pretty much convinced that when my existing loan with my main bank ended (final…
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I know this about Student Loans...BUT...surely this isn't allowed?
...I still don't think that the student moneysaving bit of the site is the right place for this query. It's more of a general loan enquiry that just happens to involve a student loan. I wonder if anyone can help or offer their thoughts? I've just had a tussle with HMRC and the Student Loans Company. I've been repaying my…
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Better to get £20k loan or two £10k
I was wondering if anyone has any experience in 'spreading their debt around'? We currently need to get a £20k loan. My research shows that the interest rate is higher on larger amounts so I wondered if I would save myself money getting two £10k loans. Has anyone done this? Also does anyone know if this has a negative…
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ADVICE Please on Log Book Loans
I know there wz a thread about this but cant find it I remorgtaged my house 3yrs ago for my daughter to start a business I trusted her and let her have the money £120,000 well she spent it I am being evicted (sorry about spelling) Yes I know its my fault......... The house is going up for Auction I have to move out in 4wks…
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CCJ advice
I had a minor bump in my company car in 2008, my companies insurance were handling to claim really slowly, and for some reason i got a court summons through in my name for the accident. I spoke to the insurers, forwarded all the paperwork i'd been sent and left them too it - as I wasn't responsible for settling the claims…
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Where do i start?
sorry, this will be a long post covering quite a few subjects I have two loan accounts with LxxxxxXXX. On both of these i have PPI, albeit not through choice. At my first loan application there were three people present. Me, the advisor and another member of staff to 'ensure she does her job properly' The cash element of…
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bank loan and redundancy
Being made redundant and receiving 4000.00, have a loan with my bank rang them up to explain and claim on my PPI sending forms to me. But someone said they can take my redundancy payment to help pay off the loan HELP
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Please let me know what you think is meant by this
What do you think is meant by this on a loan taken today.. You have the right to withdraw from the credit agreement within 14 calender days after you receive written confirmation that we have executed the agreement. If you withdraw after receiving credit, you must repay the credit within 30 days and repay any interest due…
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HSBC Loan taken today - How does the interest work?
I took a £7000 personal loan over 60 months today and the loan has drawn drown.. I only plan to have the loan for a month (max 3 months). The interest is front loaded - from what i have been told I can repay the loan at any time and the interest i'd pay is for the period i've had the loan + 2 months...does anybody know if…
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Unbelievable set up fee with GE money!!
Hello Hoping someone can help. . . My parents bought into a holiday club some years ago and took out a loan to pay for this. The loan was with GE Money for £10,000. As the maintenance fees have risen and my dad lost his job they could no longer afford it and they tried to sell the holiday club points back to the company.…
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question regarding Natwest Student Account?
Hi, just a simple question.. I have a student account with NatWest. And, have been using the overdraft to help me to live as my actual uni loans didnt work out to be much.. they gave me 500 first term, upto 750 last term, and now i'd like to go upto 1000. For the second time i had to just go into the bank and request to…
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Re-claiming PPI and it's effect on my credit status?
Hi First, couldn't seem to find a way to post this on the reclaiming forum as it says 'thread closed'! Perhaps i was looking in the wrong place. sorry. Question 1; If i was to try and reclaim my ppi from a loan that was closed 2 years ago (closed by taking another consolidating loan (no insurance)), how would this effect…
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Urgent advise please?
I just posted over on Debt Free Wannabe. I wondered if anyone here can help. I owe a family member just under £4000. She needs it back asap and is expecting it any day now. Is there any possible way i can get a loan or something similar, with a bad credit rating?
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Wonga.com - Is thier call centre 24hrs
Hi I've just got off the phone to the collections team at wonga to try and set up a payment plan for my loan, they told me i cant do this until my loan due date, but then told me i could ring at one minute past midnight on the due date so i could speak to them before they attempted to take the money from my account. Can…
