-
how do you get bad stuff off credit file!
Hi I have a pretty good credit file apart from a couple of nasties which are dragging it down I am scared are going to stop from getting a mortgage/loan - how can i get them off? any advice 1) Jokers called Robinson way - bought a debt from a property I let out, I bought place in 2006 and its been tenanted pretty much the…
-
Loan and moving house
I am moving house in a week or so. I have recently had my car written off and may decide to take a loan to add to the insurance cheque to buy a newer vehicle. Will my bank have an issue loaning me the money if I have very recently moved? I have been with them for 15 years. My credit history is good but will the electoral…
-
Line of Credit
A Canadian friend of mine says that he has a line of credit, which he has used to fund s a house purchase which he rents out. He used his own home as collateral. He says it is better than obtaining a mortgage because it is more flexible, the interest is lower and you only pay as and when you draw on the credit, leaving a…
-
still paying a car finance loan after 11 years, HELP!
Sorry if this is in the wrong place i wasnt sure where to place it. My husband had a car on finance from a guaranteed finance garage on the 4th August 2000, screen price £2699, the loan was taken out with a finance comany, my husband spoke on the phone with finance people while at the garage and they told him the total…
-
Started temp job. Difficulty getting consolidation loan?
I want to consolidate my debt into a loan of £4000. I have only started my job this month and earn about £12500 per year. It is only a temporary contract (although it is likely I will get a permanent contract down the line). I don't think they normally ask if the job is permanent or not. Will I have difficulty getting…
-
Santander Loan Declined - Appealing
Hello all, About an hour ago I recieved a letter from Santander declining my loan application for £7800. I was very surprised by this and to some degree a little angry. I monitor all the credit agencies and I have no missed payments on file, no defaults and no CCJ's. I have outstanding credit totalling £161 with a history…
-
Santander - cancelled loan
I applied for a joint loan with my partner through Santander just over 4 weeks ago. We were accepted and completed the loan agreement as soon as we received it. Over a week later a letter was sent to my partner’s old address because he had a loan with them at his previous address saying that he needs to send proof of…
-
Student Loan Help
Hi, Hoping someone can confirm the following and allay any potential concerns: I studied at Uni between 2001 and 2005. I work in a Sales job where my basepay is £19,000 but my bonus pretty much doubles my annual pay. The bonus is paid every 2 months, so 1 month i will be paid £1,583, the next £3k-£4k. The most I've been…
-
Payday Loan Payments
As payday lenders seem to be able to assign interest and charges on a whim what are the implications of paying small amounts every day by standing order? You would have a record of all the payments but would their system be able to cope with it?
-
New Here + Advice Needed
Afternoon all, hope everyone is having a nice Friday! I need some advice on a situation my Wife and I are in. A couple of years ago we contacted Immediate Financial about helping us pay off some loans that we both had, and were having trouble paying. (All bank loans) They contact each of our creditors and bargained…
-
Help
Hi guys I'm new to this, I need a £1000 for equipment for new business I have set up, I have bad credit from past. Does anyone know of any lenders??
-
What do I have to do for a small loan?
Hi peeps! I need a loan for £3600 and quickly. I've made a verbal agreement to buy a car from a local franchise dealership, but I've been looking at the figures and I'm sure I could do better but I feel like I'm banging my head against a wall just trying to get rates and info. The balance to pay on the car is £3588 to the…
-
ADVICE NEEDED: Overpayment on a Loan or settling early
Hi, I am hoping that someone may be able to give me some advice before I go into the bank to ask, as I would like to have an idea of my options first... In May 2010, I took out a personal loan with HSBC. It was a loan over 3 years (36 months), paying £150.74 per month. I believe that the APR on the loan is 19% (does that…
-
What happens next?
Hi, I applied for a RBS loan last Friday & received paperwork through on Monday which I signed and sent back. When I applied, I was asked if I wanted to pay off a previous loan, to which I replied "yes". Yesterday, I got a letter with a settlement date. Does this mean they received the signed paperwork I sent them? Will…
-
cheque fraud
My sister's ex paid a cheque made out in joint names into his personal account and she never received her half of the money. The bank have admitted that they were wrong to process this cheque and if she took it further they would pay her half of the money and try to recover it from her ex. I realise that the bank are not…
-
Arrears on secured loan - repossession of property
I've just discovered that my sisters house is likely to be repossessed due to arrears on a secured loan. There is a hearing next week. She is ill and has ignored all letters:( She has a secured loan plus a mortgage with another company. If the loan company repossess what happens to the mortgage? I don't have a clue when it…
-
easy finance advise please
Hi all need some advice. originally applied for loan with elephant a couple of weeks ago.was contacted then by "easy finance", and agreed 4k over 10 years, paid the £50 fee, then was sent out the (petty basic) it has to be said paperwork. i returned this then received a text message saying it had been approved and to log…
-
Credit Union Loan
Hi everyone I was wondering did anyone have any experience of getting a credit union loan? My friend has just been rejected for a loan, and the reason given was she missed 2 payments in Dec 09. Due to Christmas and holidays, she simply forgot at the time, but repaid the 2 missed payments along with her January payment. No…
-
Previous Tenant Owes Money
I'm writing this on behalf of my nan, so I don't know all of the details but she is rather bothered and asked that I did a bit of research. She moved into her new house at the beginning of 2010, and from that time, has recieved letters from a company saying that the previous tenant owes a lot of money, approx 13000. We…
-
Loan Advice Needed!!!
Hi Everyone Please could you offer your help and opinions with my dilemma. My partner and I currently have 3 loans. 1 is due to end Nov 2013 and has 5k left on it, its costs £200 a month 2 is due to end Nov 2014 and has 8k left on it, it costs £171 a month 3 is due to end Nov 2017 and has 15k left on it, it costs £337 a…
