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Some Advice Please
Hi folks, I was hoping I could get some advice from the forum members wealth of knowledge,. I moved back to the UK after 15 years abroad and have been back here for 13 months now, I was looking to get £6k car finance but after looking online and calling blackhorse it seems like you need to have 3 years address history in…
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Car finance-company states my name is not on the agreement
I rang my car finance company to change my address and they stated that they have a different name on the credit agreement. They refused to deal with me and wouldn't give me any answers or advice on what I should do. I have checked my credit file on experian and there is no record of the finance that was taken out in Nov…
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Cheaper Loan or stick with old loan ?
I have a loan with HSBC for 5k with 16.9APR which I have two years left to run so it will be paid of Jan 2014 I owe approx £4200 and at the end of the loan I get 10% of the loan back as long as I pay over the full term of the loan. I was wondering if it would be better to get a new loan with a better APR than continue with…
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Fair Credit Score?
Hi, First post! Just got my Experian credit report score thing and I got a score of 811 which it says is "Fair". I've never had a credit card, mortgage or loan as such, the only thing I've had is a £300 credit agreement to pay for a season ticket which has 4 months left and has always been paid. I'm living with someone who…
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Advice please, trying to get a loan
Hello, I am trying to get a loan for £2000 to pay off existing debts. These include a credit card of about £900, an existing loan with Zopa for about £500 and the rest will be used as spending money for my holiday. The total I am paying out on these 2 debts is £92.21 with NO missed payments on either account. The total…
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Debts of previous spous - please advice
Hi All, My partner is currently going through a devorce from her previous husband. Since devorce proceedings started, he has disappeared from the face of the planet and no one can find him. Since the debt collection people cannot find him either, they are now coming after her for in excess of £400,000 pounds. She was…
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Bankruptcy
I went bankrupt in April last year, I believe that for the first year of Bankruptcy I must not apply for credit, I was fine with this but my car is on it's last legs, I cannot get to work without a car, so my question is will I ever get credit again, will I pay high interest for ever...... Any advise welcome Thanks
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Pounds Till Payday PDL
Hi, I have a PDL loan with Poundstillpayday I am wanting to write to them. I am about to enter in a DMP. The address on their website is in Malta. Does anybody know it they have a UK address.
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paying off car finance early
please can anyone offer advice if i was to take a car out on finance of £2000 over 24 months with interest of around £303.32 if i was to then find the £2000 the following month to pay off in full and only had loan 1 month anyone know how much interest i am looking to pay please. Has anyone had any experience of doing this…
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Car Finance
Hi, I have car finance on a Vauxhall Corsa Club 1.2. I purchased through carcraft in August 2010 and I took out finance with Blackhorse for £5500 and the remainder or the deposit was through a top-up loan from All In One Finance (which Carcraft owns) for £3500. They said that Blackhorse were unable to give me the full…
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Advice please
I have a bad credit history but want to get an unsecured loan to keep all my debt payments in one place. However because of my bad credit history I know that I will struggle. Does anyone know anywhere I could get a loan from?
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Self employed - can I take out a loan?
Hello. :) I am hoping to take out a loan to purchase a new vehicle, but due to my personal circumstances, I am unsure if I will even be considered, and do not want to make an application, be unsuccessful, and damage my credit rating for the future. I hoped somebody might be offer me their opinion(s). In March 2011 I was…
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Acting as a loan Guarantor
Hi Can anyone please help with some information about what safe guards a loan company should take when accepting someone as a guarantor? For instance should they make direct contact with the prospective guarantor or are they just able to accept a signature on a form? I suspect it’s a very grey area within the consumer…
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Can I get a loan soon after moving house?
Hi, We have a good credit history, have had loans in the past which have all been paid on time etc. We moved house just before Christmas, thus increasing our borrowing on the mortgage. We kept the same mortgage provider and ported most of it with an extra mortgage for the additional borrowing. We bought the house with the…
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Help / Advice with ill advised loan
Please could i get some help/advice. This is my first post so please bear with me. I took out a loan to pay for a new boiler 2 years ago. At the time the payments sounded great - just £40.00 per month. However, i stupidly agreed to a 10 year term and i actually am only paying off £7 per month the other £33 is interest and…
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Urgent query regarding "early settlement"
Hi ya ! I have taken a loan from "Everyday Loans" in Hounslow, back in February 2011. I have now enough funds and am looking to settle the loan early but the company have so far not responded to my e-mail enquiry about an "Early Settlement Qoute". I have also called them to ask, they have claimed not to have received the…
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Wonga to build up credit rating?
I'm looking to build up my credit rating. 18, (turned 18 a few weeks ago) and i've done a few silly things by applying for credit in a short space of time. Thankfully, Vanquis have just given me a chance to build up a credit rating. Anyway, i was wondering, is Wonga a good place to build up a credit rating, Say borrow…
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High Interest Nationwide Loan
hi everyone some help required, My question is my husband has a loan with Nationwide which has a rate of 16% I asked him to ring up yesterday to get a settlement figure so we could swap to a cheaper loan of 6% from sainsburys but the settlement figure is exactly what's left to pay off? how does this work. the last…
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Negative Equity on a car
Guys, This is my first post and I have a dilemma with a car loan. I bought a car 2 years ago on 4 year finance (with FGA Capital). I've recently been supplied with a Company Car and decided to sell the car and settle the finance. To cut a long story short I have sold the car to a good friend for a figure approx 4k less…
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Advice on Redemption
In February 2007 I took out a £5000 loan broken down as follows Loan Amount 5000 Legal Fee 208 Broker Fee: 200 Payment Protection and Life Cover 974 Gross Loan 6382 Flat Rate 8.50% Term 60 Months Annual Interest 542.47 Total Interest 2712.35 Total Repayable 9094.35 Monthly Installment 151.57 The redemption date is 12th…
