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refused a loan
today my husband and i were refused a load of 6,000 over 3 years, i have a bad history however my husband has got 989 in his credit score and has never mised a payment EVER!, our morgage is with the bank also and is for 27k, not much these days, and house value of 189k my husband due to his score went for the loan himself…
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Credit Rating query
Hi all, New to the forums as i'm a bit unsure about something and just after a little guidance. Basically i need to get a mac which is going to cost me about £1099 but i was wanting to get this on finance which Apple do offer, but it is done through Barclays at 14.9% with monthly payments over 2 years. I was hoping to go…
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Bank Loan, Home Improvement Loan or Re-Mortgage?
Hi, Just looking for some advice please. I currently have an endownment mortgage for £26,000 with approximately 5-6 years left. I really need to carry out some home improvments including a new roof, kitchen and bathroom. I have no savings for this and need to know what would be the cheapest option for me to borrow money.…
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Welcome Finance - question about repayment and interest
I took out a loan with Welcome Finance 3 years ago, and unfortunatey I am still paying it off. To cut a long story short, I am currently waiting for the Financial Ombudsman to make a decision on my claim against them - hopefully in my favour. What I wanted to ask is regarding the payments that I am paying them in the…
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ombudsman complaint - curious
Hi All, When I have made complaints to the ombudsman in the past and got a copy of my DSAR from the company concerned why do they have copies of the complaint and we dont get copies of what they sent to the ombudsman? I understand they should see what they have been excused of but shouldnt we have that same level of…
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Santander Loan
Hi, Just wondered if someone could explain something to me please I have a loan that was previously with Cahoot but got passed over to Santander. They have recently agreed to put me on reduced payments whilst I am on maternity leave but emailed me the below: "Your contracted monthly installment is £XXX, therefore as you…
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Cheapest Loan Rate for Just £5k.....
Hi All Wanted to know if anyone had any ideas of where might be best place to get cheap rate loan for just £5k?? Have looked at zopa and they are offering 7.8% so in 3 years payment would be £5601 Credit Union say you need to save money with them for 3 months prior, so does anyone else have any more ideas? Ideal term to…
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Please help
I am wondering if someone can help me as I am really worried. I have a loan with Alianze and Leictser which i have been paying back by way of a direct debit for the last few years. I recently receieved a debt collection letter to say that my account has been passed to a debt collection agency as they have not recieve the…
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Speed-e-loans
I need advice, i had an outstanding debt with SPEED E LOANS (SEL) I agreed a payment plan of 50.00 a month to be taken yesterday by debit card. They took the 50 as planned and the took a additional payment of 450.00. I have spoken to the Halifax who say there is nothing they can do as SEL had the card details. SEL say…
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loan struggling to pay hellllp
hi new to all this but hope some one can help my girl fried has a personal loan with her bank but has lost here job as we have moved and is looking for work now but we are struggling to pay the repayment dose any one know if we can have a payment break or get the payments reduced till she is back working thanks lee the…
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loan help please
hi could to with alittle help with is matter please .Im not sure if its posted on right board so please move if not. My FIL took out a personal loan afew years ago to buy a car after a year i think he sold the car to me . Very sadly he passed away two months ago we have been sorting his bills out and there is alot of debt…
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Bad credit loan
Do you guys know where i can get a loan of about £3500 for a car. I have bad credit and it is impossible for me to find any where. thanks
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Close Credit Management
Hi I had a past debt with a company called Close Payment Services, who then passed it to another of their companies - Broadway Recoveries. I have regular monthly payments to BR, and they offered me a final settlement amount, as they were preparing to pass the debtt on to another company. I agreed the amount, and paid it.…
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Loan Options for personal finance on 20k
I have been looking around for the cheapest options on a loan for a car costing 30k I have 10k and would need to borrow 20k options below 1. Option 1 'PCP' car finance loan would result in 6k deposit, monthly payments of £388 x 60 Months with a 9k Balloon payment at the end Totalling £38,280 (£6K + £23,280 + £9k) over five…
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e-credit plus subscription?!
While nosing round for a loan i apparently i signed up with these and applied for 1k in credit!? Which i must admit i dont remember doing at all, nor do i remeber signing anything to ok it all but never mind the teams on it and my moneys back in today. Anyway just a small warning to anyone thinking of signing up firstly…
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Statements from Cahoot
Hi, I had a loan with Cahoot which has now passed to Santander a couple of years back. I want to get copies of my statements prior to the changeover but not sure if I should contact Cahoot or Santander? It was online but since the switchover, I no longer have access to log in and see them online. Any advice who to go to…
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Natwest Loan
My wife has a Natwest Personal Loan. The loan was over seven years and the gits tacked on PPI and loaned her additional money to buy the PPI. She didn't speak to me before signing up and we have failed to recover the cost of the PPI because she didn't send the paperwork back to our PPI lawyer in time. We have now come into…
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More stress
Hi all A quick question.. I was given money by my father 5 years ago as an early inheritance and he is now taking me to court as he wants it back, hes claiming it wasnt a gift but a loan!. He gave me this may years prior to me getting married and so if they decide in court I have to give it back (which i dont have!) can…
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Loan in another name
My GF uses her mums account, i recently used this account to get a wonga loan. I couldn't deal with what i had done so i fessed up. The account owner hasn't told wonga that the loan wasnt made by her and wants it kept running and paid by me to boost her credit rating. I dont have the funds to pay back the loan. And i don't…
