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how to understand a welcome finance credit aggreement
hiya, would be grateful if someone could help me to work the following out (sorry cant scan and upload it as printer has died) total amount of credit: £750 duration of agreement: 36 months amount of monthly payment: 43.63 number of monthley payments: 36 APR (variable) 73.65% total charge for credit: £820.68 accep fee: £75…
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Financing the tuition fees for a part time MA whilst working
I am 35 and working full time (on a pretty high income) and am thinking of doing a part time MA. Just trying to figure out the best way to spread the cost of the tuition fees. I'm guessing I wouldn't be eligible for a student loan (or would I), so basically wondering if there is some special way of getting a very low rate…
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Fair Credit rating for career development loan
Hi all, I have found out that my credit report is fair. As I can only apply 3 months before the course starts, I am anxious as to whether I will get the loan with a 'fair' report. Will they decline me if i only have fair? Thanks :)
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student loan deferment refused due to tax credits
Hello, I'm after some advice or wondering if anyone else has been in this situation. I've been refused deferment for my student loan as the tax credits I receive take my earnings over the thresholds. My tax credits are payments towards the nursery fees for my toddler, I am struggling to make up the difference as it is. I…
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student loan determ
Hello, I'm after some advice or wondering if anyone else has been in this situation. I've been refused deferment for my student loan as the tax credits I receive take my earnings over the thresholds. My tax credits are payments towards the nursery fees for my toddler, I am struggling to make up the difference as it is. I…
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what are the chances of me getting a 15k loan?
i'm looking into getting a 15k loan to pay off my existing loan (2.5k) a computer course i'm taking (5k) and my parents (8.5k (long story)). I understand that thats actually over 15k but I would really like to pay of as much as I can, that I owe my parents. I have a yearly salary of 18k and a credit rating on experian of…
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PAYDAY loan company overpaid and are trying to over charge!!
hi, im hoping someone here could help with this unusual matter. my partner has taken a payday loan (bad idea as it is) out of £100 with interest of £60 for one month and although i nearly sh*t myself when i heared the interest that wasnt too much of an issue as we can pay that. my partner thought some other owed money had…
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Peugeot Finance Advice
Hello I bought a car on Peugeot Finance two years ago and have never missed a payment. However i am currently going through some major finance issues which i need to address and with paying just shy of £300 a month for the car it is really causing me some issues. I have also lost my job (Friday just gone) which hasn't…
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Can't get loan withh 977 credit score! Help!
Hi all MSE's! I have a debt of 13 000 on my 3 credit cards (25% interest - auch!!!) altoghether from studying Masters degree, for which I could not get a student loan. I missed 3 payments in the last 2 years. Since September I landed a well paid job and worked very hard on improving my score to 977 on Experian. My bank…
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Pay Day Lending - is it ever ok?
I know Pay day lenders get really bad press because of high APRs that go like 3,000% or 4,000% Lets say there are lenders with 200% APR - are they still frowned upon?
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Loan Provider for a UK Citizen living abroad
Hi I'm a UK citizen living abroad. I'm in Australia as a temporary resident and plan to be here for 3 years. After that I'll be returning to the UK. I'm looking for Loan provider who will loan me 27k to consolidate credit card debt. I own a houes in the UK which is currenlty being rented. I am in full time emplyment and…
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Loan for £1000 with Halifax - Chances of acceptance?
Hi All, Just looking for a little guidance before I mark my credit report with an application! I'm looking for a loan of £1000 for some expensive car repairs. I've banked with Halifax since January this year which is my main area of concern as I don't know if that's long enough! My current status is full time employed, 19…
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handback car on hpp
hiya following bad advice i took out a car loan on hp in 2008 just as i began my nurse training, I now need a more suitable car as i have a child I have the funds to buy a new car but still have two years left on finance car is worth 2500 and i owe 2500, it is high purchase can I just hand it back update to date with…
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Bad credit loan- soem advice please!
Hello Hoping someone may be able to help... I am about to graduate from a degree in medicine- my first job starts as aDoctor in early august this year. cut a long story short...it's in a different part of the country, so to help with the move, buy some furniture and general expenses, etc (I am renting andwill continue to…
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Potential costs for ignore debt collectors
I owe a gym a 80 GBP final membership payment. There is an ongoing dispute of whether this is owed. I recon a decision could go 50:50. The details of this are not important. If a debt collector takes me to court and wins, how much will I have to pay?
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Warning for Tesco loan customers/potentials (includes UNAUTHORISED payment taken)
Hi all, I've had nightmares over the past year or so with Tesco bank relating to overpayments on my account. The first few were applied correctly, with appropriate interest rebates when I overpaid. Then one month, instead of going down, my monthly repayment jumped up instead of reducing despite the fact the term was the…
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City Finance Loan Scam...need advice!
I applied for a loan with 'City Financial' and pad an upfront fee of £65 for them to process the loan. they told me i am definetely garunteed a loan of £5000 and not to apply for any other loans in the process which i didnt. They sent out terms and conditions for me to sign and send back to them and they said that once…
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What do to debt?
Morning all, I'd like some advice as I’m a little unsure at the best way to move forward. I've got a below average credit rating and my finance has got an average credit rating however that didn’t stop us getting a good deal on a mortgage in January (fixed for 5 years at 5%). She works part time and I’m in full time…
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relation applying for loan in their mothers name ??
A member of my family is suddenly showing a lot of interest in her mothers house ie is it a bungalow or chalet whats it worth have any sold in the road recently is there a mortgage is there any loans and what name is it in Now the person in question is not that well off ,in rented flat and two children allways moans about…
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First Money Direct Ltd wound up
http://www.dailymail.co.uk/money/cardsloans/article-2139470/First-Money-Direct-Limited-broker-shut-offering-loans-financially-distressed.html Good riddance to them !
