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Loan declined - any other options?
Hello, I was gutted to find out that we were declined a joint loan with my bank (Halifax) apparently due to low credit score. I was really surprised my husband recently got a new c card for 0% transfer - and mostly as we'd recently been offered a remortgage deal with Santander who told us the credit check was all ok. THey…
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Split Loan?
Hi, I'm new to forums but have a question. I am about to borrow £20k and can get a loan with 8.3% APR. Is it possible to split this into 2 x £10k loans with different lenders to take advantage of 6.7% APR (saving about £500 over 3 years)? Any advice will be appreciated. Thanks. :cool:
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Good evening all ... Newbie with a question about loan contracts here
:hello: Baaaaasically... I took out a loan five and a half years ago with Natwest, it was a business loan originally which( unless anyone asks i wont go into the full story) was then split into a personal and business loan but with only one payment taken out of my business account, sounding strange eh? well it is ! the…
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Compelling Personal Reasons for student finance Wales
Hi everyone! I am in a bit of a panic this afternoon about whether or not I will get my compelling personal reasons granted in order for me to get a tuition fee loan this year. Here is a run down of my previous courses: 1.I started uni in Sept.2006 (BA human resources). I fell pregnant in October and left in May 2007. I…
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Student loan help!
Thank you in advance to anyone who can help with links/tips etc. Here is my situation: I am a 21 year old British-born citizen who lived in Canada for 3 years ('07-'10) while my father worked there (he got a police transfer.) I studied at Mount Royal University in Calgary, before returning to England last year (July '10)…
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wonga scam
hi there i took out a loan from wonga , they put me on a payment scheme for £ 70.00 per month , then couple of days later went into my bank account and took £ 345.oo after many calls and emails they not refunding me any money if wonga aint a scam i no other people with same problem with wonga , has any1 else had this…
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Debt collectin agency want my money
Hi, My problem relates to insurance policy I took out in 2008-2009 with TESCO car insurance. I sold the car nearing the end of the policy and sent a cancellation letter of the automatic renewal they write into every policy. Months later I receive a letter at my postal address -where i do not live- from my credit card…
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Unrecorded Loan!!
Hi All, This is my first time in here and I urgently need help with unrecorded Loan. I bought an expensive watch about 3 months ago and they offered me loan to pay for the watch in 9 instalments. Now I have recently checked my bank statements and there is no money coming out for this agreement. I went to the shop and they…
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Loan v Balance Transfer
Hi May be a stupid question, but advice I have seen is to use balance transfers rather than loans to repay debt. I have range of overdrafts I want to consolidate - can I use a balance transfer process to achieve this - or do I need to have all debt on a card to transfer it Thanks for your help
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NAtwest loan amount changed??
Hi, To cut a long story short, we are claiming the PPI back on a loan. Now it seems not long after they got the original paper work 2 amounts were deposited in the loan account (by the bank not us) & also the loan amount has been reduced as well (not the ppi amount). there has been no contact from Natwest, any idea's?
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Good credit record but can't get a loan
Hello everyone, I would be really grateful for any advice as I am tearing what is left of my hair out! My problem is this: despite a good credit score (964 with Experian and 476 with Equifax) which are rated excellent and good apparently, I can't seem to get any credit. Due to various changes (redundancy, becoming…
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Equity Release Early repayment charges
I am considering an ER lifetime mortgage. I have been told that early redemption charge is linked to FTSE UK 20 YR GILT the maturity value offered is 4.33% I know if I settle early the current value is used to calculate charges. Where can I find information on trends in Gilt yields and how are they affected by interest…
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lombard loans
anyone had experiences good or bad re taking out loans with Lombard
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Loan
Hi Can anyone advise? I paid up my loan in 2009 took it out in 2006 and I have lost the agreement - Have asked the bank to send me their copy (I have the agreement number) they say they cannot find it. Are they legally obliged to fulfil my request seeing as they said they can see my loan on the system but cannot find the…
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Help!!!!
Applied for a loan with M&S last week - was declined The loan was for £16K, and would be used to pay off my existing loan (£10K from my own bank (Bank of Scotland) which I took out last year - if I continue paying it off I'll owe just over £12.5K, but if I pay now I'll owe £9.3K) and my impending wedding - I've been trying…
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Anybody dealt with Zopa?
Hi people. Firstly hello! This is my first post on the forum and i'm interested to see the sort of response I get :) Basically, i'm in the market for a loan. I took out a loan with Halifax about 2 years ago over 4 years, but i'm paying horrendous interest on it. We also owe a relation some money, and although we've paid…
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Advice needed asap - legit or a con?
Cashloanservices . co. uk rang me, i didnt contact them ( apparantly i applied for a credit card a few months ago) - they said i have been accepted for a loan, i asked all the questions..... do i pay any upfront costs, does the apr stay the same for the duration of the loan - i told him i wanted to see the contract before…
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Experian Credit Report! Advise Please.
Not sure if this is the correct place for this thread. I run a limited company, we have been going for just over two years now and all our accounts are good. We were sourcing a new supplier and they ran a credit check on us; we use a credit checking service ourselves "Credit Safe UK" and on there our credit file is very…
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creditsolutions4all Advice needed
has anybody tried this site??? feedback please we need at least £1500 fast my hubby is the stay at home dad and i work part time have only been working with the company for 3 months... any suggestions please
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Loan now out of IVA
Hi everyone I finished my IVA but it has not yet been removed from my credit score (due off in October). I just wondered if anyone knew of a company that would lend me some money? I need £3k as I need to get a new roof for my home and my house insurance won't pay out. Thanks
