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Loan timescale for unsecured Sainsburys Loan
Hi This is my first time posting, yet I am a frequent reader of the forums. i was wondering if anyone would be able to help me with this one... I am currently looking at taking out a personal loan, probably with Sainsbury as I have a pretty good credit rating and they seem hard to beat at the moment. I do not need the…
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Paying off Loan
Hi I have a £3000 loan which I want to start paying off as my payment plan is over 5 years. I didnt really pay must attension to it as it was a emergeny to pay for my wedding, as the money I saved got eating up when everything me and my partner owed seam to break and blow up the 2 months before the wedding ;-) Im not…
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Does anyone get success with these 'representative' loan offers?
Although I have a loan and don't wish to take out further loans or debt, I am thinking of trying to get a loan with a better interest rate and then means I won't pay as much back. However it seems that mostly it always happens that you get an increased rate in the end. :mad: We have a Tesco loan which has just over £15k to…
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question on ppi
i took out a loan with santander though am self employed for £20 000. as i am self employed shoudl i have this ppi. can anyone help? thanks in advance.
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Early termination of HP loan - is it worth it?
I'm just asking as I've read up on threads where quite a few people have had so many problems when terminating their agreement early. I've read through our agreement and it says that as long as we pay off £x amount, paid any overdue payments, and kept the car in reasonable condition, we could terminate the agreement early.…
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HSBC Loan % back at the end of the term
Hi, just wondering if anyone has ever taken a recent loan with HSBC and do they know if it pays a % of the amount borrowed back after the last payment. When I took the loan, i asked about early repayments and was told it wasnt advisable as i wouldnt get the % back from HSBC at the end of the agreement. Trouble is i cant…
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'New' Credit accounts.
Hi All Quick question, as i cant seem to find the correct answer browsing google. In reference to Credit reports and things that negatively effect it, i read a lot about what is refered to as new accounts. New accounts lower your score. Basically I was wondering if anyone on here knows what is classed as a new account and…
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HSBC LOAN % back
Hi, just wondering if anyone has ever taken a recent loan with HSBC and do they know if it pays a % of the amount borrowed back after the last payment. When I took the loan, i asked about early repayments and was told it wasnt advisable as i wouldnt get the % back from HSBC at the end of the agreement. Trouble is i can…
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Mooregate / Egg Loan break
I have just called Mooregate who Egg sold my loan to and asked for a 3 month break from my loan which is about 3000, I usually pay 200 per month, they said I could but it will cost me 600 as they add the payments onto the loan…. Is this correct as it sounds a bit expensive to me… thanks :o
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Early loan settlement
I took out a loan with the co-op bank in 2009 for £25000 payable over 60 months at 7.860% interest. My payments are £506.74 per month and my current balance is £15,764.17. I am trying to save up to pay this off early and phoned to find out an early settlement figure and was told it would be £16,204. Is this correct? I…
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Error on credit report - how on Earth?
I have recently tried to get a loan but to no avail. The first attempt I put down to being in a new job and not having enough current employment history. I waitied 3 months and tried my bank and they refused too. They don't give me any reason so I tried Equifax. It all looked fine until I noticed a very old Barclaycard…
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Managed loan issue
My wife and I got into some financial difficulty 8 years ago when she went on maternity leave and didn't get paid what she was expecting. To cut a long story short, we basically couldnt afford to pay all our bills and the HSBC offered us a managed loan because we had gone over our overdraft limit for a couple of months and…
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Debt Collectors
Hi all Newbie here. I have a question that has been puzzling me for some time. If a debt collection company buys a £500 debt for (say)40p/£ then the cost of the debt is £200 so how can they claim they are 'owed' the original amount of £500? This question does not relate to my personal circumstances,I'm just curious. TIA…
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Pawn Shop Help!!
Hi, I have just received what looks like a payment demand for just under £1400 from a pawn brokers for something that i am not too sure of. The date of the item is over 4 years ago and in my name. The letter states that: Dear Sir/Madam We write regarding the article(s) pledged by you under agreement number ###### on…
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My Lloyds TSB £7500 loan
Hi. My name is Steve and I'm 32. I stupidly took out a loan for £7500 in May 2010 but then lost my job in March 2011 and I can't keep up with the payments as I have not found a new job yet. The debt is now with Lloyds TSB collections dept. I recently received a letter from collections offering me the chance to pay off the…
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Change Payment Date on Loan
Hi not sur if anyone has any advise for me. Bit of a newbie to this site. I have recently changed jobs and gone from weekly to monthly pay. This means I'm looking to change my payment date on my loan to the start of the month, however they are being pretty difficult over it. I have even offered to pay double the first…
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Guaranteed rental as income for loan application?
Hi, hope someone can offer some advice... I own a leasehold studio flat outright, so no mortgage. I intend to rent it out as I'm moving abroad. The rental agency has said they can guarantee rent if I contract with them for a certain number of years, which I'm happy to do. I'm interested in getting a home improvement loan…
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Signed loan when ill
In 2006, I co-signed a £37K loan from Swift with my now ex husband to help clear mortgage arrears in 2006. I cannot recall doing this as I was being treated for severe clinical depression. However, after the divorce on 2009, the house was sold paying off the joint mortgage but leaving a shortfall of almost 14K on the what…
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Tsb settlement
Hi, I am trying to get a settlement with my TSB loan so that I can move it to santander. I have been asked by the bank prior to the appointment to get a settlement figure. I was on the phone to TSB and they mention a settlement of 10% but I would want around 25% to be worthwhile. Has anyone had any dealings with TSB in…
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Paying back loan on same day
I've been told i need to rebuild my credit back up after completing an IVA. I hadn't missed a payment during my IVA and all of it was paid back. I have been given the option to take out a very small loan and pay it back in my own time to help build my rating back up. Now, I have been approved for a small loan up to £1500…
