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Small loan help.
I'm looking to borrow around £2500 as I'm looking to buy a new car on 0% finance but I need a 30% deposit to achieve this. This loan will make up the shortfall and will greatly reduce the monthly payments on the car. I want to repay this over three years if possible at about £80 per month. What would be my best bet? The…
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Thanks MSE and Rate Setters
First post but a worthwhile one of thanks. This site was recommended to me and as a non finance expert its been as valuable to me a torch in a blackout. Great to hear Martin on BBC 5 Live this week and I'm even more confident using the site and advice when BBC 5 Live have the confidence in Martin. Anyhow I don't ever have…
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Problems getting a loan even with a reasonable credit score
Hi, I'm looking for some advice. I'm looking to borrow approx 15k to consolidate debt. My husband is in an IVA and we want to pay off the balance with it. I have a reasonably good credit score (903 on my last check). I never miss payments am only using 11% of my available credit. I have approached Santander, Natwest,…
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self-Employed, Solvent, but imposible to get credit
Hi, I'm looking for a bit of advice or help. I've been self-employed for nearly 8 years now, i am solvent and have over 40k running through my current account annualy. But still i cannot even get the likes of a store card, overdraft or credit card. My bank has told me that it seems unreasonable that i'm not offered an…
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what are the chances of Barclays accepting me?
I have recently opened a new account with them last month. I want to apply for a £3000 loan. My disposable income each month is £400. Any feedback?
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Personal loan for a masters degree... good idea?
Hi all, Right, will try to keep this as brief as possible. I am currently wokring part time and I am am also part time self employed (ESOL teacher and private tutor respectively). My income is about £12000 pa gross ( I only work about 20 hours total per week as I have bi polar affective disorder and have been working…
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Car Loans - Non regulated loans
Hi I took out a loan for a car with Northridge Finance in Jan 2008. The deal was for an Aston Martin purchase with a balloon payment. The figures are: £103k total loan value, 48 x £1k per month payment and a final payment of £50k. My next payment will be the final one before the balloon payment is due. I have worked out…
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consolidate debt and launch business?
Im a single mum with a stable job and a promotion this month in software account management. I've always been afraid of debt but have had to rely on an overdraft to get by for 3 years bringing up a child alone without support. I used to run my own business and my parents over 5 years have invested around £1000 into a new…
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Creation personal loan acceptance?
Hi :) applied online for a creation personal loan, gave an instant acceptance decision and email followed with log in details stating ..... "Thank you for your application for a Creation Personal Loan. We are pleased to tell you that your application has been accepted" ..... been online and signed the agreement, all now…
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Help me MSE - you're my only hope!
I'm really at the end of my tether here, debts are rapidly mounting up, debtors are growing more and more impatient, the future is looking pretty bleak :( What I currently owe: £3,100 Student fees (need to be paid in about 4 1/2 months or I'm kicked off my course) £1,200 'Online bills' (I'd rather not say what this is for,…
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Shopacheck Data Loss Email Scam?
Hi I'm sorry if this isn't the right place to post this. I received the following email today - I am writing to advise you that two IT backup storage tapes containing data from Shopacheck's computer systems from October 2010 are missing from our offices. We want to alert you to this because these two storage tapes contain…
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Does Paying off a loan benefit your credit score ?
Hi all I have 2 more payments to make on a AA loan then im finished after 4 years, will this have a good impact on my credit score as im looking to apply for a credit card but may wait a few months. Cheers
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anyone had any dealings with H&T Harvey and Thompson?
Had my LBM Nov 2011 and signed up with Payplan. One of my creditors is H&T - I stupidly took out some payday cheque loans a while ago when things were bad. I included them in my DMP and they have had contact from and first payment from Payplan. However they continualy phone me and I each time I speak to them they say it is…
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Tsb charges
Hi all I will be honest I'm in the donkey doo,out of work,due to sickness grounds,ssp run out in nov,still no benefits having dispute with employer about a return,possibly ? I've got cc and loan with Tsb,cc is covered by ppi which they are great on, the loan not so much as they said it a pre existing condition,not what I…
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Views on car leasing??
Trying to weigh up the pros and cons of this. We need a reliable car for work, currently running an old banger which is beginning to cost more than its worth in repairs. We are preparing for applying for a mortgage later this year, we have no debts but think the car might give up the ghost before then. We have done some…
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Need to borrow about £4k
I need the money to do up the garden a bit. Whats the best way for me to do this. my credit rating is pretty good so I could probably get a small loan, but I don't like the big interest rates they charge. Is there a cheaper way. Could i ask my bank to give me an overdraft would that be any cheaper?. Or even open a credit…
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Confused about credit scoring!
Hi everyone, I'm new to this so bear with me- I have been looking into applying for a loan, but when I have used the Smart Search facility on moneysupermarket.com it is only showing me 1 lender with a high rate. I was also recently declined for a credit card (which advised me to look into my credit file- I have done this…
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I've just be asked to lend some money.....
to my neighbour AGAIN!!!! In a previous thread I told how, yonks ago, he was desperate for money, and I caved in and lent it to him. As so often happens in these situations, he never paid back as agreed, and I wrote the money off and slapped myself for being so stupid. However, last year he finally paid up with interest…
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Purple Loan/GE Money Double Problem
Have raised a couple of issues with GE Money following an alarming annual statement in September last year (2011). My loan was taken out in 2002 but following a marital break-up I was left with the payments (even though it was a joint loan) along with arrears (where my ex hadn't paid his share). It took me 3 years to get…
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wonga
I am currently setting up a payment plan with wonga, but I have heard that they can just take out the full amount from your bank account if you default. Does anyone know if I close down my bank account but open a new one with the SAME bank, can they still access this new account because of the continious debit card payment…
