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Best loan for Fair credit - HELP!!
Hi there, I'm looking for a loan and have signed up with Experian to see my credit score, trying to go about it all the right way so not to get turned down. My credit score is listed as 'Fair' at 809. Can anyone advise me as to where to go for a loan where wont' get turned down, as I don't want to dent the Fair credit I…
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MiniCredit - GOD BEWARE OF THEM
This is posted on behalf of my partner to warn others to beware of this company. My partner tried to roll back his loan for one month went onto their site to do so, unable to sign on due to system update. Their system was unavailable for the whole day, he spoke to them 3 times that day and was told they could not take a…
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Loan Help
Hi, Currently owe around £4,000 to Lloyds where the interest rate is 17% . Ive heard a lot, especially on here about 6%/7% loans etc. would I in any way be saving money by taking out a new loan to pay off this one??? Just trying to get it paid off as quickly as I can. My monthly payments are around £190 but I make a…
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Unsecured loan Pyramid Finance?
Hi, first post on here, has anyone heard of w w w.pyramidfinance. co.uk? Had a call off them as I am looking for a loan, used search engine and they must have my details? Has anyone experienced them before? Thanks.:cool:
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declined loan don know what to do next?
Hi I am a mother of 3 under 3 and passed my driving test in april been saving since then. Managed to save a little but not enought for the kind of car I need to cart my 3 around in. My husband applied for a load and was declined I dont know why as we have held a bank account with alliance and liecester for 5 years, I have…
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Should I get a 2nd loan fot consolidation?
Looking for advice on clearing debt, we have about 60k debt not including mortgage on various C.Cards, one 15K loan, one £3K loan for a boiler, £1800 loan for laser eye surgery, and about 5k in overdrafts. We always pay on time and never default and can afford min payments, I am looking to re-mortgage and my advisor said…
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How much longer to improve credit rating to get a bank loan.
Hi all I am new to this. Since the start of last year i have been working to improve my credit rating as i was suprised to get for an overdraft. I am now only 22 so it was a case of having not much of a credit history. Since then (18months), i have opened a mobile phone contract in which i pay monthly. I have 3 credit…
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Payday loan Huge instrest charges
I took a loan out with CashGenie for £150 nearly two years ago , had so many problems due to my gamling problem neve anymoney , i now have carterforbes on my back who now want the sum of £1361 :mad: they say the lowest they could go is to £600 I keep saying i dont have that money lying around at the moment . so can i do a…
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Tesco Loan Settlement figures don't add up? Help!
Hello! This is my foirst post on here and am hoping somebody might be able to shed some light on what's going on with my Tesco Loan. I tool a £25k loan out 16 months ago for a period of 120 months. 7.9% apr and £302 a month repayments. in the 16 months i have paid £4832 never missed any payments, never fell behind etc..…
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barclays secure loan early payment
December 2006 I took out a secured loan with the above to pay back over 15 years for 35,000, I am currently re-mortgaging to consolidate my loans and have been told that the early repayment charge is 14,000 so I will need to pay 36,000 out to clear the loan rather than what is left to pay. I feel like I am being stung for…
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Early Repayment - Lloyds TSB Loan
Hi All, Being made redundant soon and getting a nice redundancy payout. I currently have a loan with Lloyds TSB which I'd like to repay with some of my redundancy money. My loan currently has 10 monthly repayments left to run of £216 each. My question is should I repay it in full, make a large one off repayment of nearly…
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Loan Dispute
Please help. I took a loan from RBS over 10 years ago. According to my records the last payment to them was due in 2009, which I duly made. They have just contacted me and told me that I had another year to pay! I have asked for a copy of the agreement (as I no longer have mine!) and they have not got a copy of the…
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Credit search help?
Hi I've just received an Alert from a CRA stating that someone has performed an 'Outstanding Debt' search on me. I believe this relates to a Statute Barred debt, that one of the debt-buying sharks has bought. Can I get the search removed under the Statute Barred mantle, as I understand it has a severe affect on my credit…
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DEbt collection
Hi all I had an account with hsbc when i went to school here (2 years ago)where i had an overdraft that, i know no one believes but that i forgot to pay back left london hastely due to personal circumstances (berevement). I paid everything back two weeks ago to metropolitan, as i by accident found and old balance sheet…
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Car Loan Help Please!
Hi I have been looking for a loan for about £3k to purchase a new (used) car, my credit file is in good shape and I have never missed a payment or had a default/ccj but my application has been declined? I think this may be due to my partner who has ccj's which are being paid off monthly. Does anyone know of a similar…
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Creditors & Their Responsibilities - HELP!!
Hi everyone I am after some advice on the responsibilities of a lender when a borrower faces financial hardship. In a nutshell, this month I am about to default on a payday loan with a company who are unfortunately notoriously bad when it comes to helping customers. I have had the loan for a long time, continually paying…
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council planning probs
i own a small exempted caravan site just 1 acre, i hold a licence from the camping and carravanning club, it allows any unit to stay up to 28days consecutively. in theory u can go off for one night and return fo another 28days. although no u cant asdthen u find u r in breach of the council rules. it seams the biggest…
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Bank Loan
I took out a bank loan just over a year ago to consolidate some debts. As I am under 25, the best rate I could get was quite high. I borrowed £4000 and I am paying it back in monthly instalments of £130 over 4 years. That was through my own bank, Barclays. I am aware that this isn't a great rate. I am now in a position…
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loan to someone who cant afford it??
my husband a few years ago was on his computor looking at his bank account page and a window opened up and got his attention, saying he had been preapproved for a loan of £12,000 and all he had to do was press a button and it would immediatly be in his account, as he was disabled and on income support and only had one of…
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Texts & calls
Over the last few days my wife has got several texts and several phone calls to her mobile telling her that 'her loan application has been approved' and 'accepted in principal' etc. These are from companies including YES loans, City Financial, Bad credit loans express. We have not applied for anything and have checked both…
