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Loans for bad credit
i have got 3 payday loans and 3 credit cards which total about £5,000. I have a bad credit rating but am now in a good financial position and would like to consolidate my debt and pay off £300 pm. However, because of my credit rating i cannot get any loans! any suggestions?
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Halifax won't lower loan payments ref me to CCCS?
I was made redundant last year and my husband has been paying my loan of £256 a month (original loan was £15k) over 7 years it's now at 4k ending sept 13. We are struggling on just his wage so called Halifax to lower payments but they won't even consider it unless I go through a debt manager company which is the last thing…
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Car Finance / Loan / Hire Purchase
Hi Fellow MSE'ers. I really need a new car, the old one has finally died at the grand age of 17 with 178k on the clock.....anyway, I'm not financially favourable to the bank at the mo as I am paying off new windows, doors and boiler. They all end in the next six months however, without a Car I can't drop the kids off at…
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No Credit History Loan?
Are there any legitimate no credit check loans that are safe?
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Barclays Select unauthorised direct debit
Can anyone advise with a problem I have with Barclays Select. We are in default with a loan but have an agreement via Cashflow (upon the advice of the CAB) of £18.00 per month which is paid by standing order. However, Barclays took it upon themselves to set up another direct debit, without my knowledge or consent, of…
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Pensioner in need of a loan
Hi, I am a pensioner, in that I am 61 and retired, my income from my pensions is about £1,200 pm, however, I need a new roof, and have too much money coming in to get a reduced one or help from the council etc, I am happy to pay it myself but have no savings as such, own my own home and the only debt I have is to my credit…
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PPI with Abbey / Santander
Just a quick question. I was recently made redundant, I cant find any of my PPI Terms and Conditions with Abbey / Santander. I have had a loan out with them and then renewed it a few years back, no missed payments or anything like that. its due to finish in November, but was made redundant earlier this month. Its a Joint…
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First Response car finance
Hi all I'm new here I wondered if anyone could advise me on a problem I have with my car. I bought a car last year through a company called first response. They were the only company that would give me finance as my credit was poor. Since then I have gotten into severe debt and now have a DMP with CCCS. Anyway back to my…
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Identify fraud?
Hi I am wondering if anyone can help me, I found out today that money was taken yesterday from my bank account by Wonga.com (i have never used this company or any other company like it in my life) 7 separate times totaling nearly 800 pounds. I have never had anything like this happen to me before and I don't really know…
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Student Loan from SAAS - am I eligible?
Hi everyone! I'm from Romania but I have been living in Scotland for 2 years now. After finishing a half year full time course in 2010 I moved on to a higher one that I'll finish this June. I have been given about £250 bursary monthly for both courses. I wasn't expecting bursary because I have not been ordinarily resident…
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LLoyds irresponsible lending
A friends work colleague has managed to get himself in debt with lloyds tsb. He is a simple man, not much common sense and has held down a factory job for the last 40 years (been there ever since he left school). Makes around a £1000 a month if that. Due to this his mother and my friend have control of alot of his…
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Swapping secured to unsecured
Hi there, just wondering if anybody knows the rules for swapping a secured loan (on house) to an unsecured loan.....total is under the normal £25000?? for unsecured, with Barclays?? Thanks
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Repaying Lloyds TSB loan early
Hello, Just wanted a bit of a steer on this! I took out a loan with Lloyds last week for £12,000. Since then Tesco have offered me a loan at a much more favourable rate (6.1% as opposed to more than double that), so I am going to repay the Lloyds one with the Tesco one. I'll be ringing Lloyds later in the week - when the…
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Old loan query
I'm having bother trying to get PPI back from what I paid of my loan, The lender have stated there is no record of me on their system, the 3rd party who bought the debt say they should have the CCA but dont, and yet persist on asking me to pay the rest of the loan I had. So I want to know just where I stand, legally if…
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refused load
hi i have an overdraft of £4000 that i'm currently using with the halifax, i want to turn this overdraft into a loan and pay it off but the halifax are refusing to lend me the money. they would rather take me for the interest as it pays better than the load, is this right? and what can i do?
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Credit reports, innit.
So out of curiosity i have had a look at my free Experian report. now there is one late payment on a loan repayment from 2006. Everything else other than this single payment is green/satisfied. yet my overall status is caution. is it just this one payment dragging that down? all other stuff like being on the electrol roll…
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Bank Loan and Responsible Lending Code
Just wondered if anybody could advise me about a bank loan i took out in 2005. The first loan was for £5,000, and i intended to buy a car with it on completion of my test. i was sold PPI, which was "lent" to me, added to the 5,000, and they then charged interest on the whole amount. Also, i failed my driving test, and…
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Finance of CAR
I took Out Finance for new car with one of the big company in which i took out cover against scratches and damage to seating covers But i went to get valuation and advise a price but not told if it includes the cover for the package As am bit lost not sure if should take further action or what my next step should be Can…
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Nationwide quote APR
Afternoon all, I have done a soft search on Nationwide loan and being quoted an APR of 12.9%. Does this APR mean I am likely to be accepted if I go ahead with it or is it too high? Thanks
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Loan Question
I've one month left to finish paying off a loan 12 month term (never missed a payment) and now need another for various private reasons on a 36 month term basis once the initial one ends. Just asking if anyone has had any experience doing so, is it as simple as calling up my existing loan company and asking them? do they…
