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Student finance interest problem
Hi I am on the final year of a 3 year degree course, my brother finished a 2 year course in 2011. He got a letter a couple of weeks ago breaking down the interest he pays on the tuition fees and maintenance loans for the 2 years. He borrow roughly £3200 per year for tuition and £3500 per year in maintenance loan so a total…
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48hr Finance plc
I have recently been discharged from bankruptcy and also seperated from my wife. I decided I wanted to make a few changes where I live so filled in a loan form on line. The above company contacted me today to say I have been accepted. We talked through amounts and payment scales and I assumed that was that. I was then…
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Car Loan for Disabled (Unemployed) Person
I'm trying to find a safe lender so I can buy a car. I am disabled as is my partner and we both get DLA (Mid rate care but lower rate mobility) and we want to use the mobility element to pay for a car. I think it works out at about £35 pw which should be enough to pay finance or a loan. We can't get a bank loan as my our…
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MSE News: Payday loan customer charter to launch
"Borrowers could be better protected against payday loan companies, after lenders agree to improve Codes of Practice ..." Read the full story: Payday loan customer charter to launch
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Can't get a new loan
Hi I wondered if someone could help, I currently have a loan with Sainsburys which I owe 4900 on, I phone and asked if I could borrow more as I want to purchase a new car as mine drinks so much petrol so in total with the 3300 extra would have a total loan for 8200. I asked for it to be extended so I would be paying the…
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Need help getting a loan
Hi, I recently applied for a £3000 loan through tesco as I am currently in my overdraft (due to university, limit is £2000) so wanted to pay this off and also I need the rest of the money as I am moving house so need help with deposit etc. When I put my application through I was declined due to my 'high level of…
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use mortgage to fund new business
We are looking to buy a franchise and have access to £40k to fund this, but will need another £40-50 k working capital. I have approached the mortgage provider to see if they will increase the limit on our agreed facility (we have an offset mortgage) for the "home improvements" and they have agreed to do this. This will…
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My loan application having effect on partners?
I have an average credit score at the moment and have been looking to sort out an unsecured consolidation loan. My wife (who, annoyingly (!), has an excellent credit record) has also been looking for a small loan for herself for another purpose. I'm worried that when it comes to the credit check on her loan application, my…
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which type of loan?
hello, I hope this is the right place to post (apologies if not). I'm recently divorced and my ex and I agreed on him keeping the house that is now mortgage free. He paid me a sum of money upfront and we agreed that he would pay me a further £30,000 when he retired in 3 yrs time. Unfortunately the judge refused to sign the…
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Really need help. 82 year old nan being harrassed by Credit Resource Solutions
Hello there, My name is Emma and this is my first post. I joined today because I have a dilemma. About 3 years ago i took out Car Finance with (Hartwell Ford) for a car that was £7000 the loan paid back in full would come to around £10000. My nan was supposed to be the guarantor for the loan. We went down to Hartwell Ford…
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Is it worth getting a financial adviser?
I know Martin says credit card is cheaper and it is if you're good with finance, but trying to clear £300 a month of credit bills, with around £600 in standard bills like mortgage/water etc every month left me with about £100 spare (but not really) a month. Over my overdraft every month :( Loans seem to be more expensive…
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Please Help
Over three years ago I purchased a car from Carcraft who mislead me whenthey explained the monthly payments of the car during what they classed asthere Budget Buster Scheme. They stated that I could purchase any car on theirforecourt for £99.00 a month and as long as I returned the car back to thembefore the 12 months I…
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Small Payday Loans
I know PDL aren't the answer to everything but does anyone know of one that I could get just £50-70 to next week until I get paid (not using Wonga), I can't ask family as they are all broke as well. Thank you,
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Loan payment holiday
Hi guys, was just wondering, if you take a month payment break from a loan does it affect your credit history? (Agreed payment break with the company) Thank you
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Loan repayments too high! Can I change?
Hi all, after uni I got myself into debt and after a while of being overdrawn, and having several credit cards to pay off I thought that the best thing to do would be to get a loan for £11500 to pay off £314 a month over 3 and a half years. I really thought about the amount versus wanting to get rid of the debt as soon as…
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consolidation loan
hi,........i have a mortgage with 52k still owing , but also have a dreaded secured loan with 22k owing (please dont give me the speech about how dum i was to take the secured loan out ! believe me i already know). my house is valued at 75k ....was wondering if the house sold for say 60k would i have the short fall to pay…
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Consolidation Loan
Hi. Over recent years I have gone through a financially difficult ,and in truth overextended, period that has resulted in two very significant defaulted credit cards with a combined balance of £18k. Getting to this position has been my fault but also has been made worse by the likes of MBNA applying 38% interest (from an…
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Bank of Scotland loan, £1K needed to pay off a credit card
My account is with BOS - Ultimate Reward - for which I pay £12 a month for some reason, and £1 per day my account is overdrawn by more than £300. I also have a credit card with them for just under £1000. They've twice offered me a loan at the till to pay off my card, however have then told me that I don't qualify due to…
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credit history
i have recently fell victim to the rejection spiral i am trying to apply for car finance and have applied to 3 companies without realising this effects your credit history. I applyed so i could work out a budget etc. The first application was fine but i would have to buy a car with that dealership and they didnt have any…
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repairing my credit file
i have had poor credit over the last 4 years, since then i went to brighthouse 8 months ago and got myself something from there, i have always made my payments to them and since then i have been able to get a couple of payday loans from payday uk and the money shop and also now ive been accepted for a phone contract, my…
