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student loans
Been looking into mine and my OH's student loans. At the moment we both pay out about £120 a month from our pay (PAYE). We've got no quibble with the total amount of the loans (although it's scarily high!), but I think my OH should have been entitled to bursaries rather than loans. I know that due to my families income, I…
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Is it 'vital' to tell your employers that you need to pay student loan?
Or do your employers automatically know from HRMC acknowledging them?
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The Bill of exchange act
I've just read this on another forum..... Can anyone shed any light, is the following true;
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loans for poor credit score
hi all just looking for a bit of advice i got my credit score from credit experia and it was 695 which is classed as poor :( i have never missed payment oor had any ccjs i already have one loan with the halifax and im looking to take out a new unsecured loan for 20 000 does anyone know any suitable companies my score is…
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flm loans
Hi i am new to this forum and i wonder if you can help me i am a gaurontor for a loan although the borrower pays every month she pays a day late and the direct debit bounces will this affect my credit rating in the future with the late payments
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Loan requests
Is anyone else getting requests from an email address namely sixtiesdoll@live.co.uk asking for loan details? I think I have been spammed but maybe we are all getting it. Anyone?
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Best way to get a loan of £20,000 with 0% interest (employed)
Official MSE Insert: If you've arrived from Google, our fully researched Personal Loan guide may be helpful. Back to the original post... Hi, I have been reading webpages by Martin on cheapest credit card loans and long-term loans and they have helped a lot. I thought I might lay out my specific plan here so forum members…
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Money Owed by Ex
Hi :) I split up with my partner last year. During the time I loaned him money out my student loan. The first amount I made him sign a loan agreement, he then got into money trouble and I loaned him more without a new agreement. On top of the original agreement I had a chart that he signed every time he gave me money.…
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payday loans help!
Hi I have managed to get myself caught in the payday loan trap and have three loans that are due next week. My question is do I contact them prior to the payment date to let them know I will be unable to pay or wait until after and they contact me? Thankyou
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Urgent loan for person with poor credit
Hi there, I need to borrow GBP1000 urgently to cover some payments that would otherwise bounce today and incur high charges as a result. My credit rating isn't great (400 - 500 depending on source) and I've tried to increase my credit card limit and tried to get an overdraft to at least partially offset the damage these…
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Monthly loan payment window (30 days?)
I know that when a loan is taken out the first payment cannot be taken for 30 days, so the soonest a first payment can be made is on the 31st day (it was in my case) but is there a certain window of time after those 30 days to make the first payment and therefore each subsequent monthly payment?
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Debt Consolidation Loan
I'm looking to take out a personal loan to consolidate debts, which include one overdraft, one credit card, and pay off an existing personal loan which has 14 months to run. All of the numbers add up to make this both possible and realistic, however I am a little concerned with regard to the following situation. I have the…
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Northern Rock Loan
Hi there hope you can help here. In July 2006 OH took out a £25k unsecured loan with Northern Rock over 10 yrs. Because he didn't want their PPI, they upped the interest rate to 9.9% telling him that it made him more of a risk. Personally, I feel that was sour grapes on their part )not making so much profit) and…
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City Financial - Fraudsters!
My partner in trying to apply for an unsecured loan was approached by a company called City Financial. The man he spoke to over the phone called himself Nick Dawson and spoke with an Indian accent. He told my partner that he was guaranteed for a £4000 loan but wanted him to pay £115 up front (which would have been the…
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Never had any debt-will i be disfavoured?
Hi, Looking at student loan accounts, and more importantly, overdrafts. Ive never had any debt, so not sure if i would have a credit rating. Would this affect the amount i could get a loan on? Also, how long after do you have to pay a student overdraft back? each year or after three? -I know this question may need to be…
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Toothfair finance
Hi, I took out a £300 loan with these people. I had trouble repaying due to loosing my job and a few weeks back the debt was at £457 and of today its now £600 they have been sending me texts for the past 2 weeks saying if I dont pay by today that they would add £350 worth of fees, the texts themselves were quite…
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Repaying a Loan Early?
If you've got a loan, and you pay it early, are you paying off just the remaining capital (plus an early redemption fee), or are you paying every penny you would have paid anyway, plus the fee on top?
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Noddle linked address problems
Hi, Just wondering if anybody has had problems with the Noddle credit report not dragging through linked addresses from the callcredit system? I've moved flats recently and updated my address. My latest credit report only contains my current credit accounts and no linked addresses (so my closed accounts are not showing).…
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UPDATE: Ex Boyfriend "Relationship Debt"
Regarding my post: Ex Boyfriend Debt - Advise please? (Sorry it won't let me post a link because I am new) I have had this email (below) with the full agreement attached and, absolutely horrifyingly, he's CC'd it to a colleague at my work (who countersigned it) So now I am going to have to have a chat with my HR manager in…
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Loan Interest differs from Agreement
Hi there, I've had loan with RBS since 2008. My agreement states interest rate of 9.9%. I've just recently found out they've actually been charging me a rate of 14.89%. I wondered how I could never get the figures to work out but thought it was just my terrible maths skills so I sent a SARS request to get a look at what…
