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Outstanding Loan Disappeared from Credit Report
My OH took a loan out with HSBC almost 10 years ago when he was a naughty teenager which he didnt pay back and it got passed to debt collection etc. The last paperwork he recieved said it was frozen at £17,000 and if he contacted HSBC they would reduce it and accept a lower settlement figure. Well he never contacted them…
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700+ credit score and loans?!?
hi, ive just got my credit score an its 733, im looking to get a loan to pay off small debts, settle a providental loan and home improvements. all previous debt has been settled, with a phone contract and credit card (upto date) the only ones ongoing! does anybody know any good loan companys that ill get a good rate if…
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Loan support for students going to non-UK university?
Can anyone offer any information on whether there is any £ support or grants available for degree courses being taken at a non-UK University (eg Ireland or Netherlands)?
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Are they pulling a fast one?
We're in the process of purchasing a new car. We've been offered 2 deals but something doesn't add up Trading in my car Car worth 10,500 Finance outstanding 10,900 New car 22,990 floor price but they say have dropped it to come up with this deal? 1000 - deposit 52 months at 495 or because i said the monthly figures were…
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Student Loan sold to Mackenzie Hall?
Really hoping someone can advise me about this. I've had two letters in the past month from a debt collection agency called Mackenzie Hall. The first was addressed to the occupier, asking if I lived there. I ignored it. The second is addressed to me. They are demanding that I pay nearly 4k in the next ten days. It says the…
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CCD Consumer Directive and older loans
Hi. Hopefully this is a simple question but I have a First Direct loan which I took out in Feb 2008 and the payments are fixed at around £183 per month. I would like to pay frequent partial payments to reduce the term of the loan in gradual steps so that over the next year or so I can look to slowly pay the loan off. I…
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Loans for those in service?
Hello all, I am wondering if anyone has had any experience in attempting to get a loan when in a service job, i.e. Army, RAF, Police etc. I'm not sure if there are any dedicated companies/loans that would cater for this? Any suggestions?
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Default letters
If I asked a company to send default notice letters and they say they are not obliged to keep the letters and then sent me template letters would this be right? I would have thought that they would have to keep them as surely these letters would be included in any DSAR? Cheers Martin
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Large Loan - is being a credit card tart the best and cheapest way?
OK - the examples given on the cheap loans pages all seem to be for under £10k. We're looking to get a large amount of finance, not to clear existing debt (we're lucky enough to currently be debt free (we use credit cards but pay off in full each month) but for a number of home improvements and want to know the best way to…
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Loan dilemma
This is for a friend and she would like some advice. My friend bought a house a few years ago and split up with her partner in 2006. Between them they lost the house and ended up 26k in debt. Her ex hasn't paid a penny to Northern Rock and for the last few years, my friend has paid £50 a month to Northern Rock. In January…
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Refused credit
I applied for a loan which has been refused. I have never been refused credit in my life! I owe on my mortgage and already have another loan which come to roughly 90k. I have never missed a payment, have no credit cards, I have 1 store card with a nil balance. I have lived at the same address for the last 7 years and am in…
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Car finance... desperate for help!!!
Hello all, could really do with some advice please..... I bought a car on finance from a local company who have caused me nothing but problems; the car was a nightmare from the off and the company were full of promises and no action...or just fobbed me off all the time. To cut a long story short the company recently went…
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Mis Sold Insurance??
Hi All, I dont know if I have a case of Mis Sold insurance. When I took oiut my mortgage a few years back I was told it was a good idea to take out Critical Illness Cover & Income Recovery Insurance. Having recently looked into them it seems to me that the Income Recovery Insurance would cover me if I become ill. I feel…
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Improving credit score, Mobile phone contract
Hi everyone i hope you can help me :) Im looking for a loan to pay off a current loan balance on my car, with the remainder of the loan to buy a new car. My credit score is 802 (fair) and i am looking to get my score above 880. On my report are 3 open accounts, all satisfactory with no missed payments: The original car…
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Overdrafts - Advice please!
Sorry if this is in the wrong bit of the forum. I tried to find a section for it, but Loans seemed the most appropriate. I'm hoping some helpful forum users can help me! I'm currently with HSBC, and 2 months ago I took out a £50 overdraft with them. I was then charged a £25 arrangement fee. I now need to extend my…
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Aspire Money
Hi all, My details where passed to Aspire credit today by Experian's Credit Expert. They called me just now and tried to hard sell me a small loan saying that it would show me in a better light on my credit file in order to continue with an application for the bigger loan I am trying to get. (The only reason I am not…
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joint loan
I would really appreciate some advice, i have recently seperated from my husband of 12 years, we have 2 children and he has left me with the marital home (which i am taking over mortgage payments for) he has now moved to his parents home. we have a joint loan via the natwest, we took it out as a debt consolidation loan…
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Previous tenant problems
Ok im not sure if this is being posted in the correct area so forgive me if its not. The problem im having is that the previous tenant who seems to have been in quite a bit of debt (many bailiffs turning up unannounced seem to confirm this) seems to insist on causing a few further headaches. I've found that he has now…
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Home improvement loan
I completed on my mortgage last thursday (1/9/11) with santander. Today I applied for a home improvement loan with Santander and have been rejected, no reason given, but not passed credit check. I'm still on electoral role at my last address as apparently my new local authority wont update their roll until december :(…
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Loan with a 313 score
Hello there. According to equifax, my credit score is 313. The only RED against me is not being on the electoral role, which I've just submitted my details for, so fingers crossed that'll come through first. It also see's that all my payments are up to date, but knows I've struggled in the past which have required…
