-
Student Finance
Hi, My daughter has just finished her first degree but has also gained a place to study medicine on a four year degree starting in Sept. The course is intense so she will only be able to work a few hours each week to earn some cash and she will only get a tiny official student loan; so I have to support her as much as I…
-
Existing loan affect getting another?
Hello, I'm in the process of purchasing a car and may need to take out 5k on finance. In the near furture I may need to apply to take out a 10-15k loan for something else. Can anyone advise me if having the 5k loan affect my chances of getting the further loan? I ask because if it were to affect me getting a second loan I…
-
Loan company asking to see my credit file?
Hi all, I wonder if someone has some advice for me. A default has just (5/6/11) appeared on my Experian report from Honours Student Loans, an account which I finished paying earlier this year. It says that I defaulted on 18/05/2007, over 4 years ago! When I rang they said they had no record of the account defaulting.…
-
A trap - but what kind of trap???
Morning all, Took a loan out (well another refinanced one) last October. Got a call yesterday from my local branch (and the chap who had sorted it with me). In short I've been good, no overdraft useage etc etc and apparently they can re-jig the loan at much lower interest. Now I know they aren't inviting me in to lose…
-
Credit Report inaccurate - need help please
Please help. (obviously I'm a newbie so please be gentle!) :) I had an account with Creation Consumer Finance back in 2006, that after a few missed payments went to Red Castle Recoveries. They offered me a reduced settlement figure, and I paid it off on 13th November 2008. In April of this year I started paying for my…
-
Want a loan, will I pass score?
Hi, I appreciate none of you can answer the question of will I pass score, as every lender scores differentely. However what I am hoping for is some advice so I stand the best chance possible. I am looking for a loan of £10k and want to make sure I have done all I can to have the best score I can. I currently have a small…
-
Welcome Finance Loan HELP !!
I have a secured loan with welcome which is crippling me and isnt due to end till 2015 the amount owed is £10500 they have said that if i pay £3k they will remove the charge and move the loan to a personal loan and let me pay £70 a month as at the moment my hours have been cut, can anyone advise if they can do this as i…
-
Borrow or use savings
Hi everyone, I need to purchase another car circa around £4000-5000, now do i take out a loan or do i use my savings?? Any advice would be apprecciated
-
Being a guarantor!
A bit of info needed please if there are any wise people out there.. My girlfriend has acted as guarantor for a friend of hers, so far there has been no defaults on the account and everything has been hunky dory, but when she signed as guarantor they used her debit card details as a means to claim money if the account…
-
How long to update a fixed credit rating problem?
I have been talking to Nemo, and they say it will take a month to update my credit rating with them, after I pay a missed amount that as things stand is in dispute as to who made the mistake of missing it (I swapped bank account's, it was all set up, but for some reason did not get to them), as they only update the…
-
Natwest Personal Loan HELP
Hi. I'm after some advice if anyone knows :/ I already have a personal loan with Natwest with £2500 left to pay, I've just applied to up it to £8000 to consolidate my credit card and other debts which means I'd be better off each month. However I know that my credit rating isn't fantastic, I went through the application…
-
Can Someone Explain This To Me....?
I have just completed a Land Registry search to find out if someone who owes me a lot of money has recently re-mortgaged his house. The property was purchased in 2006, but can someone please explain what the following means and am I correct in assuming they have remortgaged in 2008 and 2010?: (16.07.2008) RESTRICTION: No…
-
Am I doing the right thing with this loan?
Hi just some advice please I have £9800 of debt split between Santander Credit Card £2500 25.5% APR Barclay card £2800 21% APR Barclays overdraft £2400 18% Mint £1900 21% apr next account £25% apr I have been offered a loan with Santander - after years of bad credit for £10,000 at 10% apr for 4 years I want to use this to…
-
Tesco Bank Loans
A bit of a rant this but I want some advise on if I have any comeback or complaint to a Ombudsman or something.. :mad: I currently have a Tesco Loan a nominal amount that I want to increase the value of so I can purchase a car, The current loan is nearly finished and I have never missed any payments on it, so I thought I…
-
Want to change loan from barclays to someone else...
In the past year I have racked up a fair bit of debt. Owing money to family, £4000 in credit cards, £400 in overdraft, accumulating debt on short term loans e.g. wonga etc. I thought i was getting a good APR with barclays but turns out with a £6500 loan I will pay back £10,800 over 5yrs. Looking through this website I have…
-
loan to father
elderly father has got himself into a sticky situation, in a nutshell, re-mortgaged his house -interest only mortgage approx 10 years ago, term now up and bank would (and quite rightly so) like there money back, only problem is my father does not have the funds to pay. I on the other do, have a nest egg i could use, i do…
-
Wonga - Issues with recurring charges!!
I am totally livid at the moment, I got paid £150 short this month for purchasing extra annual leave. In the mean time Wonga have taken a payment from my card of nearly £500!!! This was not my debt but my partners, he borrowed my card once while he was in the middle of setting up a new bank account. This debt has been put…
-
consolidation loan
hi! over the past year i ve realised how stupid i have been with over spending and have had to completely changed my lifestyle now, which has been a good thing in a way, because i have seen how much money i have been wasting. problem is i have quite alot of debt and my minimum payments are nt really touching my credit card…
-
Provident loan on credit file?
Yesterday i sorted out all my debt and defaults. My partner had paid her provident loan last month. She checked her credit file (as we are getting back on track with things) and she noticed provident was there....but currently showing a 'u' status. I never thought they used credit agencies. But what does that mean? Im…
-
DFS charge...do I have any recourse?
A year ago, when I was still appalling with money, I took on an interest free credit loan for a new sofa, through DFS. I'd forgotten about the payments starting until a week ago. I then remembered it would be soon, and made a note to look at the paperwork to check all was in order. It's on my list for today...BUT, just got…
