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Loan advice please
Hi Soon to made redundant (not a biggie, since I was planning on early retirement anyway and this way I get a useful lump sum) BUT: We want to move down country: We have about 210k in savings, plus we own outright a house worth 125k. Ideally we'd like to buy the new house before selling the old for the sake of convenience…
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Bank loans???
Why did my bank offer me a personal loan seconds after refusing me a homeowner loan, despite the homeowner loan being agreed in prinipal. We've been in again afterwards and other members of staff can't understand the logic either. Seems wrong to me, they just seem to be getting more interest from me for loaning the same…
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Private loan for life partner - gone wrong!!
Bit of a sob story,but hey ho... In early 2010 my 'then' partner was in the throes of starting a small business. Because she had bad credit I took out a private loan to fund the start-up costs, and we had an informal agreement that from business revenue she would pay me the amount required every month to cover off the…
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Avoiding Early Settlement Penalty
Hello, First post!! I have a loan with RBS which is on 14.9% APR and have approximately £13000 outstanding on it. I phoned for a settlement figure as I have a lump sum coming next week which will pay half off it, and have a new loan with Nationwide at 6.4% for the balance (which I am delighted with!). Anyway, the…
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CCJ served while I was abroad :-(
Hi everyone, I am working to repair my credit file :-s - its hard! Awhile ago I had a Halfords store card, I had about £350 spent on it and then the lender went bust and sold the debt. The new guys wanted everything paid up in full but I was a student and couldnt afford it. We were working on a repayment plan and then they…
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Idiot takes out payday - Pays 2700 on 240 loan
Hi all, first time poster who's trying to get their head out of the sand financially. Firstly I'd like to say that I've been a grade A idiot by starting to rely on payday loans when my partner lost her job thinking nievely 'it would all work out'. It didn't, and as my PDLs built up I buried my head and will honestly say,…
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Need advice regarding clydesdale/barcleys
I took out finance on a pc in 2001 for £846, a year later my husband and myself found our selves in money trouble and so went to payplan to help us, Now since 2002 we have been paying clydesdale/barcleys and to date we have paid £1,812.24 and they are still saying we owe another £704, \ive tried asking them how this is…
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debt collector asking for admin fees to be paid?
Hi. I hope someone can help with a small query. I got a letter from a debt collection agency a few months ago about a small outstanding amount allegedly owed for a mobile phone bill from 5 years ago. Given the length of time involved, and the fact I have no recollection of the debt nor any previous contact from any company…
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Taking out a loan to help towards a MSc
Hi I just wanted to know if anyone had any advice on the best loans possible for helping towards further education Kind regards
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Advice on a loan for consolidation
hello forum im after some advise please. im looking for a loan to consolidate my debts, but i dont know which companies to try and what there scoring is etc. my equifax file is Fair, almost good @ 398. i earn approx £21000 a year 2 years ago, my credit was low and i took a car out on loan with very high interest, stupid i…
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Loan APR help please - in shock...
I'd be really grateful for some advice. Bit stunned, but have a horrible feeling I've been very naive. I have been wanting to change my car since starting a new job six months ago far from where I live. Currently I'm spending about £600 per month on petrol. Having got my credit cards sorted out in Oct/Nov (0% balance…
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Wonga/Payday Express - Why don't they play ball?
I've two loans from these companies which are over £400 each. Payday Express, I have e-mailed, called and wrote to but they have ignored me. I defered the loan and paid £110....however, I am scared they have taken another £110 which they did last month with two payments of £80. Wonga, the same and very unhelpful. I have…
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Welcone Finance
Hi, please can someone give me some advice. I had a loan with Welcome Finance and the length of this loan was 48 months, the 48th month being Dec 2011. I called their complaints team and confirmed in dec that i had made all payment. This was confirmed so i cancelled my direct debit. i have since had a very nasty man…
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Pounds2Pocket 12 month loans
Last year I took out a 12 month loan with pounds2pocket. I did this as I applied for a loan but was turned down. I have a bad credit rating but not due to being in debt, this is due to being new to obtaining credit so I had no history to obtain a loan from my bank. I went on a few review websites and all the people posting…
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Payday Loan phone application
Why do some payday loans require you finish up your application over the phone? I was going to go through one, but decided to hang up after they said they would call my work. I know they said they weren't going to tell them who they were when they do, etc...but I don't want my work knowing about my personal things just…
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Any advice on shifting A.P.R. by Alliance and Leicester?
Hi all, I guess this is fairly light weight compared to most of your concerns, but I recently applied for a personal loan at A and L, which had a "typical" APR of 6.3%. This low APR was my sole reason for applying to this bank so imagine my surprise when the loan papers landed on my mat with an APR of 12.2%! I'd love to…
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Personal loan or DMP?
Hi all, I currently have £9000 on 3 credit cards. Since I have been in CC debt, I have only been paying off the minimum and not addressing the debt. I am self employed and whilst things tick along OK, when it comes time to pay my tax bill, I fall deep into my overdraft and start to struggle. My bank have quoted me 11.9%…
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Marriage affecting credit rating? Getting a loan?
I have a bad credit rating. My debts are in my name (they aren't huge but I defaulted, not recently though) My husbands only credit is our joint current account overdraft - which is continuous, and a mobile contract. If he were to get out a loan by himself (he is working full time) for around 4k would he be affected by my…
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Defaulted Quick Quid Loan HELP
I got a loan from Quick Quid some months ago and am struggling to pay due to being out of work. I have contacted them asking to settle the outstanding debt of £492 over 4 payments and the least they said they could was over 2 i just cannot afford this. Has this already affected my credit rating and what can i do about this…
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Unsecured loans £25K - Where to go????
Hi I'm currently worrying myself sick about the money I owe. I've had a string of really bad luck over the past year and unfortunately I have worked up £25k in debts. This time last year I only owed about £5k. There's nothing un-toward about the borrowings I currently have but I am paying out almost £1000 per month with…
