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Lewis Group and Settlement Figures
Hello guys, my first post so hope its in the right bit! Many many years ago I took out a loan with HSBC, this was defaulted and went to debt recovery. I was paying them £40 a month forever! In 2009 The Lewis Group contacted me and advised me that they now owned the debt and nothing would change, I will still pay them £40…
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Overpay or settle early?
Hey Guys, Just a quick question for you helpful lot. I took out a unsecured loan with my bank (Lloyds TSB) for £15,000 nearly four years ago. The last payment of £404 is due in July. I have never missed a payment. My online banking says there is £376.82 left to pay on the loan although it does state that if I wish to repay…
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Wonga Payment Issue
Need some help here, I made a payment through wonga's website to pay off my loan early the transaction has been declined on the website but the money has been taken from my account. Now the bank say that the payment has been authorised and is waiting for wonga to approve this but when I call wonga they want me to send in a…
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Loan and CC into one longer loan?
Long story short, I suck at money. My partner and I got a small personal loan to pay off our CCs last year, and guess wot, he managed fine but I didn't. Been crying myself to sleep over the last few months worrying about what to do and I've been sent to see a counsellor for depression. The basics are (I can't log into my…
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What level of credit rating gets you the best APR?
I'm looking to take out a personal loan within the next couple of weeks, and decided it would be a good idea to check out my credit score, which I did via Experian. It was pretty high (541 I think) but surprisingly not as high as I'd thought it might be as I've never missed a payment on anything. The only thing that…
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Easiest Place To Get Payday Loan
MSE Official Insert: Don't take out a payday loan without first reading our Payday Loans guide. ---- I know that most people will tell me i'm mad for looking into a Payday loan, but i am in a bind. Had some major tax problems with my wage and ended up £600 short, which i am assured will be sorted next month (Rebate). So as…
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Help getting accepted for a loan
I'm after a bit of advice on how I can improve my chances of getting a loan. About me... Earn over £30k per year Been with my employer for over 3 years I have 2 credit cards: American Express with £4,700 credit limit - I use this for a lot of day to day spending (and for work expenses) because I earn 1% on everything I…
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Home equity loan, was 30k now risen to 200k
Hi Just had a chat to my Aunt (85) she took out a loan for one of her brothers for 30K about 20 years ago this loan has now been sold to bank of Ireland and they claim its now worth 200k, this loan is due to be paid in full in a few years time. It just sounds wrong, she will be forced to sell her house and have very very…
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Balance transferring to current account to pay off loan?
Hello All I made a few mistakes during my early 20's which really stunted my finances. Namely taking out a £10k loan with Egg to spend on a car... I've learnt from that mistake now! 8 years on I'm down to the last £2k left to pay on the loan with £0 on credit cards and £650 in the bank. When my loan was with Egg I was…
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Help me do the right thing! Loan application approved
Hi there, Sorry this is a bit long. I’m after some advice about a loan I was recently approved for. I cumulated some debt was I was in my late teens/early twenties, and haven’t been great about getting in sorted until the last couple of years. I’m now down to about 5700. Since November I’ve been getting my credit report in…
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Car finance for 18 year old with guarantor?
Hey all, I'm a 18 years old. I have a job, which in which I'm earning around £140 pounds per week. I'm looking into car finance, but unsure if I would be accepted for it? The finance on the car is 0% and is paid off over 60 months, at around £120 per month. I've been trawling the forums and noticed guarantors coming up a…
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really struggling with Wonga :-(
Hi Guys, I've read this forum for long periods of time looking for help & advice. I made the mistake of taking out a few Payday loans a few years ago. After a while, I managed to cut them down, but as of August last year I've been stuck taking out my full amount on Wonga. So each month I'm paying back a total of 1100…
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charges on secured black horse loan
can anyone tell me if i can still claim back excessive charges on a blackhorse loan? new to this any help much appreciated
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Student Loan Repayment
Hi all, I graduated in 2010 and have now been working full time for over 8 months in a salaried job earning several thousand pounds over the £15,000 threshold for having to pay back your student loan. I thought the repayments would start automatically, they haven't and I haven't paid back a penny the whole time I've been…
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PGCE Over 25 bursary
I was wondering if anyone could help me. I am starting a primary pgce in september and will be 2 when i start the course. however, i will be 25 two weeks later and heard that over 25s may be eligible for a bursary. Does anyone know if i will sill be eligible even though i wont quite be 25 when the course starts?
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After trust deed... PPI WELCOME>>>PLEASE PLEASE HELP
Hello... I need help please. I was in a trustdeed and was discharged in december. Included in my trust deed was a welcome loan. I took the loan over 3 years and paid for 1 then things got out of hand and i had to enter a trust deed. I recieved a letter from welcome asking me to claim back my ppi in december. I filled in…
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VW Finance Purchase Fee
Hi, I hope someone can offer advice. We recently used VW Finance Services to finance a used car and signed the paperwork in the dealership. We have now received a copy of the agreement where they have included a "purchase fee". I do not remember this being pointed out - I didn't sign the agreement, my partner did (she did…
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Default by Wonga Pay Day Loan
Hi all, Around about a two years ago I took out a short pay day loan from Wonga for around £300. My debit card registered to pay them back was stolen before the due date of the loan payment. I phoned them to tell them my card had been stolen and I gave them my new card details. They totally ignored this and tried to take…
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Everyday loans are horrid!!!!!!
My partner had a loan with these people a few years ago before we were together, they were at first being paid by a debt managment company, who were charging him an obscene amount of money for the service so got rid of them and reset the debt repayments ourselves. After 7 months of arguing back and forth with Everyday…
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Pay off loan or save in an ISA
Hello, As the thread title suggests, i am trying to determine which option would be better in order to clear my debts. I have a £8000 loan due to expire in Sep 2015. I have an additional £380 a month so i want to know whether i put this into an Isa and get interest or pay the loan early and pay less interest on the loan.…
