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Nationwide Loan terms and conditions
Below is a quote taken from the Nationwide "who can apply for a loan" section of their website "If self-employed, applicants must be homeowners and be able to supply 1 year's audited accounts" What would you take to be the definition of "homeowner" please?? My wife owns two houses jointly with me. One is rented out, the…
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Loan Settlement Offer
Guys, I need some advice please. I posted this on my debt free diary but didn't get any replies. Any help would be appreciated. I have just received a letter from one of the companies I owe money to. The loan was taken out in 2002 at the peak of my foolishness. It was £10000 to buy a car. Ridiculous... I handed the car…
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Got Loan From Santander- Is Interest Rate ok?
Just got a loan from santander. 20k over 5 years at 14.9% apr. meaning i pay back 28k. In their adverts i see they are advetising around 7% so why have i been charged nearly double? they said its based on my credit score. is that true? Also the loan has been accepted but from now till the time the money comes into my…
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emergency money
please could someone give me some advice i need to get hold of £200 i cant ask family i have a bad credit score and i dont work i am on tax credits as my partner works is there any hope?
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Nat west refinance
I have a loan with NW which has a outstanding balance of today at just under £10k which is costing me £378 i asked about refinancing it i realised it was going to cost me more but the payments would be some £170 cheaper. .................They werent interested i have no defaults no late payments ever, If i was going to…
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Hire Purchase Small Print - Exercising My Rights, will it effect my credit score?
Hi. I have just taken out a Hire Purchase Agreement on a new vehicle. The total value of the finance for the purposes of this forum is £20k, including all payable interest and acceptance fees. (Which I personally think is disgusting!) It was highlighted to me by the Finance man at VW, (despite him telling me VW Financial…
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Do i have any chance ?
hi I have a poor credit rating bankruptcy ended in 2008 since then no problems. I now want to borrow about 5000 pounds I have a good salary and no debts but no one will lend to me. Any ideas..I am a tennant and do not want to provide a guarnater. Thanks
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Good Credit Score....but refused a loan????
Hi there, Can someone please help me - I have a Nationwide Account and was offered, exclsuively for me apparently, in my online banking offers on various products such as credit cards, loan etc etc. So I applied for a loan as I have some credit cards and a loan I want to consolidate thinking I was eligable due to this…
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short term loan
Hi I've just been made redundant (voluntary, im very happy!) but i don't get paid my redundancy until 13th July. on the 20th June my bills come out as normal, but i will only be getting half my wages paid in on this date, so need £1500 short term to ensure all my bills etc are covered until my redundancy is paid. those…
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Will there be an issue getting a mortgage?
Hello, I am thinking of taking out a loan of 10k with the bank. My credit is perfect and I dont see me having any problem doing this however im wondering if i wanted to get a mortgage in say the next few years will getting this loan affect it in anyway or will it just boost my credit if the repayments are made on time etc?…
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Need a car for work
Hi all, I need to purchase a car for my new job that starts next month. I will be given a £3,000pa car allowance which rises to £6k after 3 months (paid monthly) the deal is, at present I am not working (claiming JSA) and do not have good credit due to being laid off so have a few late payments. I know I can afford the…
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Think I may have been missold a car loan
I bought a Peugeot 207 on finance from WLMG March 2011 now i went to check on my status of my loan and the result they gave me was far higher than expected, the loan was for 55 months. The salesman said it was a straight 10% apr nothing else, and i kept asking as there was a 20.55% apr written on the paper next to the 10%,…
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credit score 699 when over credit card limit twice? which loan
hi i have got 2 credit cards i wish to get a loan to consolidate not sure how to go to my score is 699 i went over my limit twice once in oct 11 and once in dec12 when will this not count against me? am i best to wait till they are off or do it now and who with x
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Should I extend loan to make life easier?
Hi, I current have a loan which was for a car which started at £6100 but according on online calculators is around £4200 now with 15 months left out of 24. I also now share a house with someone unlike when I took the loan out and was living at home. Due to all the bill rises etc I can now only just pay everything and get…
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Help for a student that can almost see the light at the end of the tunnel.
Hello and salutations to all, first post here so hope this all goes well. Apologies in advance regarding the length as I feel this may be a long one, I will try to crop out unneeded info though. Firstly, I am currently in debt to my university to the tune of £1600 occurring from a stupid, stupid decision on my part. (For…
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has anyone heard of IBAS? Any opinions or experience?
Hello sirs, I know I may be asking a question that isnt common here, but has anyone had any dealings or experiences, or things they have read on the company IBAS? I did post before about us being guarantors on a company that is looking to fold - the bank supplied us with our paperwork and now we have to negotiate with them…
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Advice on a loan until property is sold
Hi I wonder if you have any advice for my wife and I. We need a loan until the property she inherited with her sister is sold and I've got a new job. The sale recently fell through as our buyers buyer can't get a mortgage, but the buyer remains committed. The property is back on the market but may take another 3 or 4…
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Loan advice needed
Hi, I am about to rent out my house so I can live with my boyfriend. Before I do this I need to have the house decorated (painted) and I also need new carpets and a boiler.! I have a friend who is a painter and decorator who has given me a very good price to do the painting, but would need to pay by cash as he is self…
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How can I get a loan?
Hi, I'm 19 years old still living at home with my parents, however, I need a car in order to be able to travel to and from work. I have only just passed my test therefore was trying to get a loan in the region of £4000 over two years in order to get myself a car for around £2000 and use the rest of the money towards…
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Loans with good credit
Hello all, A friend of mine has good credit, this is pretty much due to not having loans and so on. He wants to take a loan out of between £3-5k. But he doesn't work and is 63, so is it possible for him to get a loan from somewhere? Also, if he aks bank for this amount, will it affect his credit rating if they decline? Any…
