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Second Credit Search Made
Hi all, To cut a long story short I applied for a loan with Santander on Sept 05 and was declined. I appealed against the decision and I see they have run a second credit search on Sept 29 (so they are obviously looking at the appeal). Will this secondary search be seen as a negative effect on my credit record and once I…
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quickcashloanuk
does anyone know anything about this company:(
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Early loan repayment
This might have been asked loads of times , sorry if it has. Have 29 payments left on loan. £7k total. Early settlement offer of £6,700 but this would mean i lose the £1,300 bonus at the end. Does this sound right? How can it be that the only people to lose out paying the loan off 2 and a half years early are us. I even…
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More Financial Ltd
Hi, i hope someone can help me, i had a call from more financial to offer me a loan they took my bank details and as soon as they said they were a broker and there was a fee for £69.50 i declined and said no i dont want that im not paying for a loan. Then you know whats next they took £69.50 from my account after me saying…
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Is there a way to see Statute Barred defaults?
My credit rating isnt great. In a previous life (at least 8 years ago) I defaulted on one or two credit aggreements. I've not been in touch with them since then and i'm fairly confident they are now Statute Barred. Every so often I receive letters from debt collection agencies, which i ignore (I believe that's the best…
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Always refused credit
I've always been refused credit over the last few years and am starting to become a bit paranoid about it. I got copies of my credit report and as far as I can tell there is nothing wrong. For what little its worth Credit Expert gave me a '999' rating (I know it means nothing though). Essentially I'm on the electoral role,…
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Negotiating with Minicredit
Hi, I have an overdue loan with Minicredit and wondering if anyone has any tips for negotiating a settlement with them. The original loan was for £380, I have offered them £650 as a settlement but they said the minimum I can give them is £750. They offered to take the £650 leaving £100 left to pay, however interest would…
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Going over Student Loan threshold in middle of deferment period
Dear all, I've got about £8,600 of pre 1998 student loan debt and because I'm earning just below the threshold have had my loan payments deferred until June 2012. Question is; what happens if I go over the threshold in the middle of the deferment period? Do I have to inform the student loans co and start paying back the…
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Missold loan
Hi guys, I need some help 5 years ago (When the banks were lending WILLY NILLY to all and sundry and then bailed out by US THE TAXPAYER) I borrowed £25,000 I have since blown the lot on high class escort girls, cocaine and swanky holidays. I stopped paying shortly after I got the loan, and the bank have just written to me…
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Barclays Partner Finance is Making my Mum Suicidal - Please HELP!!
[FONT="]If someone can help me that would be great - I don't know what to do. My dad suffered a huge stroke last September and is 'locked in' as a result - he is mentally fine but can only move one eye, he cannot even swallow, and after lengthy stays in hospital he is now in a nursing home. When his accident happened…
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Ending a HP vouluntarily
Hi all, I have a HP for 48 months of which I only have 8 remaining. I do not need the car right now as I am working abroad so I was thinking of ending the agreement voluntarily. Trouble is I have done some excess mileage on the car totalling about £2500 and some body work which may cost another £400. Added the cost of…
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Charges being put on a mortgage- is that possible?
Hi, don't know if this is the right place to post but would just like to take use of anyone's knowledge on the following...! I left my partner beginning of this year. We have a mortgage which redemption statement last month was £118,000, house on market at £135,995 (don't know if figures are important here but just giving…
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trying to settle on loan, paid off now have extra interest to pay?
Hi, I have a Career Development Loan from Barclays bank. At the end of August,(20th) I phoned up to get the settlement figure to pay it off. (£6478) I was told that the settlement figure is calculated every day to account for the daily interest. I was give the figure, and paid my cheque posted to their address. I didn't…
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Loan Low credit score
Hey, Last week I applied for a small loan of £5,000 from my bank, I was expecting to get the loan no problem but it turns out I was declined! So I checked out Experian for why this was, My report says I have 2 defaults for Cabot Financial, One for £692 and another for £439 which I had completely forgot about. They are both…
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MSE News: Bank lending increases - but for how long?
This is the discussion thread for the following MSE News Story: "Banks made more credit available to households this summer but have warned the eurozone crisis may hit future lending ..." Read the full story: Bank lending increases - but for how long?
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Missold loan? Leading to bankruptsy?
I'm not sue if anyone can shine a light on our situation. In 2005 my friend got an unsecured personal loan from Lloyds TSB for £3,000 At the time, she was on income support and had been for a few years with no other source of income living in social housing accommodation. She told them her circumstances and the loan was…
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Debt Assistance - Please help
Hi, I am currently over indebt and was wondering what options would be available and how I can get my debt sorted efficiently and speedily as possible. I currently have: 1. Loan with Provident of £2500 (about £4700 with interest) 2. Vanquis Credit Card of £490 outstanding 3. Overdraft with Natwest of £800 4. Pay day loan…
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Welcome Finance Nightmare
Hi All I've been struggling to pay off my debts for a few years now. I'm really not the best with numbers and in the past have tended to be afraid of the post and just ignored the letters. I've nearly paid off my Welcome Finance Loan from a couple of years back - The loan shouldve been repaid in full in May I think this…
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An advice on what to do wuld be sweet ;]
Hai, my name is Jay, I'm 19 yrs old. Have a passport of Lithuania, but live in UK for the last 3 months and I'm sure I'm staying here for the rest of my life ;p I've moved to UK at July 5th, and started working at 9th of July aswell. Since then I'm staying with my sister's family, and I have this little problem - her…
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Loan and being terminally ill
Hi, Was hoping someone could give me some advice, my father in law has been diagnosed as terminally ill, he is 72. My wife and I have been helping sort out his finances. He lives with his wife and daughter and they still have a mortgage on the house they live in (all 3 names are on the mortgage), they have some equity in…