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car finance, no car and owing £4742.66? where now?
I got hire purchase from welcome for a car 5-6 years ago. I approached them 3 years ago as was only receiving half income due to maternity. They couldn't or wouldn't lower my payments and so re-financed it! 6 years later the car had a repair bill that I couldn't afford and so I was going to be stuck with a rusting piece of…
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Different APR rates?!?!?!
Hi Everyone, I'm fairly new to the site so was hoping someone might be able to help me: I have just applied for a £10000.00 loan over 5 years through moneysupermarket.com and saw that Santander / Alliance & Leicester were offering a rate of 6.3% APR, which saw the monthly repayments at around £193.00 (which is the same…
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Expenditure form
Hi im not sure if this is the right place to post this but here goes anyway, A few years ago i had a debt that was sold a few times and as i didnt keep up the agreed payments and in the end i was taken to court, the court knocked off £2000 in charges and i sent an income and expenditure form to them, The outcome was that i…
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yes loans
I got i contact with yes loans after finding them online, phoned them up got told yes youve been accepted blah blah blah and paid my fee of £69. whatever pence. since the weekend (when the phone call was made) ive had emails/txts/letters of varying loan companies which are not suitable for me (gurantors etc). Today i have…
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How do I calculate Interest
£6000 at 7%pa for 5 years I would like to know how to simply work this out on my own rather than use a calculator for learning. Thanks all
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home improvements - best way to borrow cash
We have 7 years left on our endowment mortgage which amazingly is is still doing rather well but it is a job related endowment. It isnt a massive mortgage in fact by todays standards it is very low. We are just about to do an extension which will house a new kitchen and we also want an ensuite wet room. We need to borrow…
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bad credit score loans?
Hi, i posted on here in relation to a PCDL a couple of weeks ago. I dont have much hope on getting the Barclays PCDL having been rejected from the Co-op. I got rejected from the co-op on the basis of credit score. Is there a loan I could get for no more than £10k that isn't from a "dodgy" place that I wont spend a fortune…
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Applying for a Personal Loan after just moving house
Hi, I need to apply for a loan to consolidate my debt of around £12k. This will save us in the region of £150 per month in payments we are making on credit cards. We have just moved house and have got a new mortgage with the Abbey (santander) and I also bank with Santander so was going to apply with them. What do you think…
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Can I get a loan ?
Hi, I'm self employed and things are slowly building up but I'm in desperate need of a car, but I'm not earning nearly enough to get a loan. But I do have inheritance coming through at the end of november of around £6800. Is there anyway I can use that as a means of getting a loan now. Jamie
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Unsecured Loans.com
Stupidly and I had my doubts but went ahead anyway desperate times etc.. I handed over £59.99 to unsecuredloans.com. They said that I had been approved for a loan for the amount I wanted which was great they told me all the repayments etc.. But then came the texts have this payday loan, have this one, let us claim back…
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Personal Loan/Motor Finance Interest Query
Hi, Hope this is okay in this section, however I'm wondering if anyone can help. I'm looking at purchasing a new car and was asked to get a final settlement figure on my current car/loan as it is classed as a Personal Loan (wasn't aware, thought it was a car finance part of Arnold Clark). Where I'm really confused is the…
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Help with loans, credit score etc
Hi My partner is currently trying to get a loan for £10000, he has a credit score of 916- Is this a good score??? Will he be able to get a good loan deal with this kind of score? He has 1 loan and 1 credit card aswell as a catalogue account. He earns about 19500 before tax and we are currently renting privately. Any help…
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Any advice for a newbie please?
I received a card this morning for me to phone a number so I did. Turned out to be a collection agency for a Catelogue I had a few years ago whila at my old address. They said I still owed £45 and could I make payment on it as the Catelogue had not had a payment since 2008 ! This is the first I'd heard of it - I thought…
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when is a bank wrong in doing a credit search?
hi all, my husband recently switched banks and it was his sole account. we did not apply for a joint account at any time and have never had a joint account. checked my credit file today and the bank in question has credit searched me on the same day as my husband (checked his file too) when I never gave permission for a…
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Changing your loan repayment date
Hi everyone, I have had loan with my bank for around 3 years. So I'm 3 years into a 5 year term. My employer has recently changed my pay date as it has been taken over by another company. I have managed to change the payment date for all my other finances i.e. on payday - so all my bills and outgoings get paid straight…
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'Query Outstanding' on Equifax report
Hi All, Looking for a bit of advice about my credit report, and hopefully someone here can help. I took out a loan with Sainsburys just over a year ago, and had an issue where they took the first payment a month earlier than agreed. I contacted them straight away and they told me to get my bank to just return the direct…
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Dreams/Creation finance problem!
Shortly after my wife and I moved in together, we decided to buy a new bed from dreams. As we weren't that flush at the time we opted for the pay nothing for 12 months interest free option and then it was up to us to pay the full amount by the set date - this was our biggest mistake! After realising that the 12 months had…
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Capital Finance One/Ioweya - WAR
I’m after a bit of advice. First, a warning: there are factors in this story which infer that I have made some stupid decisions and mistakes. I acknowledge these and am in no doubt whatsoever as to my own responsibility for the mess I am in, so I would be grateful if any advice that was offered was free of judgement and/or…
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Buy now pay later options
I have seen loads of buy now pay later Argos and loads of catalogues do it such as Very.co.uk Have you lot tried it? You can buy what you like and pay later for example next year with free interest on it? Have you lot tried it? whats the catch on it?
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HELP - i lent £10k to a friend who wont pay it back? What can i do legally
Hi all, I stupidly lent a 'friend' 10k over a year ago because they promised that id get £500 interest back from doing it in 4 months time ( all workd of mouth). This friend i only knew for a year and i know he has lots of properties and a business. I know where his previously partner and kids live. his mum and dad and…
