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When to apply for a loan. First time
Hi guys. I am need of a loan for some home decoration and a couple of new appliances ect. Right I am 20 and have been living in private rented accommodation since I was 17. Been in full time employment since leaving school. I’ve recently moved 3rd house now and have registered on the electoral register for the first time.…
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Mortgage-loan packagers/agents info required
Hi folks Wonder if anyone could please give me any details/info about "Mortgage Packagers agents" From what I understand they are similar to mortgage/loan brokers but more work is involved where the lender pays the agents for doing the whole bulk of the work. Such as Employers Ref's, House Valuations and so on, but any…
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Capquest defaul ????
Hi, I had an egg loan and in 2006 this was past to capquest. On my credit there are 2 defaults listed for this account one for both egg and capquest. The default for capquest is down as September 2008 but I don't understand why this would be the case. Would this imply that I defaulted with capquest as well or if a debt…
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Loan Payments showing as "U" on credit score
Hi, During 2009, I was made redundant and subsequently claimed on my PPI to cover payments on my loan for 4 months. I got a new job in Jan 2010 and notified my PPI providers to cease their payments, which they did. Since then, I have made all the payments in full and on time. From looking at my credit score, for the period…
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My sons loan.
Going back to December last year my son who is 17 was offered a job at a neighbours business. It was initially on an adhoc basis and then became more frequent to the point that in February he was pretty much full time. However after a few weeks of working full time he questioned why he wasn't paying tax or NI as there…
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Loan for a pensioner
Help! My mother in law has kindly offered to help us out with our debts. She is 76 years old and a homeowner. She wants to get a £20k loan to repay over 5 years. Does anyone know where are the best deals for this kind of thing? Or any other advice would be much appreciated. Thanks
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Sainsburys Loan Refused - Excellent credit score
Sainsburys told me the reason for decline was low credit score. Checked the companies they told me and it turns out I have excellent score. Why would this be? Also I called Santander, have an account with them for 17 years. They said I can apply with them as soon as I like as there is no waiting period. I asked what…
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Personal Loan Advise Please
Hi, Please would somebody confirm my understanding of the personal loan offer as described below? I am looking to borrow £4k over 5 years (to keep the monthly payments low). But am hoping to receive money in a couple of years time to repay the loan in full. The loan offer is with Barclays £4000 over 60 months Monthly…
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Help with grippling unsecured loan payments
Im writing this post to try and get some help and advice for my hubby, he has an unsecured loan agreement which is taking a huge chunk of his salary everymonth and he is really struggling with it and im worried as its getting him really down. The loan is with Tesco Outstanding Debt 15K (approx) Its not secured on our…
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Advice on how to deal with a default on my credit report please
I have a default from Oct 2009 with First Direct on a loan I had with them. After losing my job many many years ago (2003) they moved me to a repayment plan, which I stayed on and never missed a payment. However without telling me they handed my existing balance over to a collection agency a few years ago who I have now…
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unsecuredloancompany.net
Oh god. Can't believe I did it but I did! Because their website looks so professional I gave them a £59 fee today to process my loan. They told me I had been approved. They have given me a log in number to follow my loan's progress. What is the betting it doesn't materialise? It has totally taught me a lesson. Thankfully,…
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Microlend- my experience.
[FONT="]Hi there,[/FONT] [FONT="]I have been thinknig about posting this for a lnog time, and have decided I should. All name of contacts and details at Microlend have been removed below.[/FONT] [FONT="]I should point out that I settled the account with Microlend, and that I owe them no money. But, I hope the…
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10k debt with co-operative loans, i want to consolidate the 2 debts
somehow co-operative gave me 2 loans, one of 3k(interest included) and the other of 7k(interest included), i'm paying 124 a month for the 7k and 102 a month for the 3k, with my littlewoods account and other bils, and my miniumum wage 800 pound a month job is leaving my finances crippled yes i know i should't of taken it,…
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guarantor loans
Hi need help urgently. I recieved a bank statement today and noticed that some money had been taken out £173. I phoned the bank and have found out that my wife is guarantor (unknown to me) for her sister who took a loan out for £3000. This loan was taken out 3 months ago and her sister has defaulted on the loan, which is…
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40k in debt, what to do?
Hi everyone, when i was 19 (2008) the RBS gave me a loan for 25k. Stupid for them, but even stupider for me! It was at 19% APR, I managed the payments for a while. But then i got made redundant and activated the insurance on the loan. They eventually stopped insuring me when i was out of work (well i had nothing going into…
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Short term loan
Hi all, I need to borrow £500 for a short term loan. I am currently in full time employment but get paid weekly. The trouble I have is that I have smashed my credit rating to pieces but I can prove that I have an income. Any recommendations Thanks in advance
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Comet/Currys buy now pay later deals?
Hi guys, Apologies if this is in the wrong topic. I haven't had the chance to get to the shops yet, but was wondering if anyone knows if Comet or Currys (or any other electronics store) is current doing buy now pay later (ideally 12 months.) I know Currys used to it about 18 months ago because I bought a laptop on the a…
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Fastest Loans?
I need a loan fast.. around £500 and i need it before tuesday :( . Does anyone know anywhere where i can get one before then?, if possible. One that won't take over my life :A Thnx. PS, No credit cards -.-
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Help secured loan advice needed..partner left
Hi everyone... Myself and my ex partner took out a secured loan against my property in 2008. The mortgage is in my name and the secured loan is in joint names. We have since split up. I am now left paying for the secured loan (which is in joint names) Can anyone tell me.. A) Is he legally bound to pay back his half B) How…
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Need help changing my loan
Hi everyone, I current have a £6000 loan which I took out to pay for a new car. It has a very high interest rate at 26% but at the time of taking the loan out I was suffering from depression etc and my words at the time were 'I couldn't care less' (Mistake :( I know) My credit score was low at the time because I had missed…
