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Cash or Credit Card, or Both???
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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Provident - non collection
Hi There I am just after a little bit of advice. My partner and I both have loans with Provident which used to be collected weekly without fail by a lovely girl called Alison. Alison has since left the company and we now have a new collection agent. Firstly, we had 2 weeks where no one came, I was religously stacking the…
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Anyone know anything about Zopa?
So...I was reading through BBC news a few days ago and found an article about a website named Zopa. From what I have gathered, its basically, a loans site, but the money lent come from normal people looking to make some extra money via interest by lending it out - no banks or bank charges involved. I was just wondering if…
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Advice on Santander loan
To provide context to this thread, a couple of months ago I took out a loan in store with Santander that was interest free with no fee, so I figured why not, what harm could it do (more fool me). Issues began when the first payment on the direct debit was taken from my account - without any prior information from Santander…
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Barclays Partner Finance double-dipping
Hi, I am looking for email details for Barclays as they have been rather naughty and forgot to cancel my direct debit once I paid them in full. I have only found this out after coming away on holiday, too far away to ring and clear it up. History I cleared the debt in whole on 31/5/12 and verbally confirmed there was…
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Moving House/ Driving License - Loans for unemployed?
Hiya folks, To give you a rough backstory before I ask my question: I currently live in a fairly terrible town for jobs [Luton], I'm on JSA [income based] for the last 4 months and I've been researching jobs in Aylesbury and intend on moving there relatively soon if possible. Now, Aylesbury does seem like a much better…
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post phd loan - switch banks?
Hi Hoping to get some advice on whether to abandon natwest ship. I have just become a doctor and my graduate loan taken out at the beginning of my studies 4 years ago is nearly paid (~£1000 left out of £8000, 8.4% in 2008). I want to take out another loan of ~£10000 to buy a car to treat myself for 8 years of graft!…
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Easier to obtain a loan from bank branch?
Hi Been lurking the boards for a while but never joined but I need some advise. . . After a few years of foolish spending if managed to get myself into stupid debt of around 15,000 (around 6 creditors). I've been making the minimum payments but generally respending the credit and once against incurring more interest. I…
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How long does Wonga take to send welcome letter?
Hi, I took out a small loan from Wonga (£12 to pay my phone contract) and have said to pay it back this Friday. I can guarantee I'll pay on time, so will the only letter they send me be a welcome letter? How long does this take? I want to get to the post before people I live with see it and think I'm in crisis or…
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Blemain say my payment is late but its on time
Hi, I hope some one can help me, I have a secured loan with Blemain Finance, my monthly payments are £162.63 plus £50 agreed arrears payment. my arrears are £495. my payments are due on the 7th of the month and I pay these on-line through Blemain's secure payment web-site. My payments have been on time to the day for the…
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A bit confused about getting declined
hi, i am a just graduated student whos 27 years old. I work just over part time hours in a bar and im looking to take out a loan of £3k to pay off my 2 overdrafts and pay for a holiday flight (overdraft 1:£1000, overdraft 2: £2,500, flight around £700) I will be getting charged £60 a month for being in my BOS overdrafts…
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Help with wife's credit record
hi I went bankrupt a few months ago and will be discharged in september. One of the debts I went bankrupt with was a joint account to the amount of £1500. This has not effected my wifes credit record and she wants to get a mortgage. If she pays it off, how long will it be before it no longer affects her credit rating? J
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The young can be very foolish
A foolish young man is lucky he has a job. He took out a credit agreement to finance a car(he is 21). He was doing well, though the car was a gas guzler. He was paying his loan Then he took out a second agreement to buy another car for work, cheaper to run on fuel etc. How a finance company allowed this I do not know. Now…
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Hello peeps 17 year old in distress
hi GUYS I'm a 17 year old male i just bought a 125cc motorcycle with the money i have saved up from work (£2300) it was pretty much a last ditched overpriced bid on ebay, which left me with £0. This means i can not start up my insurance and buy my helmet, gloves, boots etc. So I'm wondering is there some way i can borrow…
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Loan Advice
Hi all, I need some advice regarding my current financial situation.. I will try to be as concise and brief as possible! Firstly, this is the debt I currently have: * £1650 student overdraft (interest free - need to pay off over the next 3 years) * £100 on a credit card (I use this credit card often, and pay it off in full…
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Mis sold loan apr wrong
Hi, so I have been really stupid and took a loan for £2500 without reading the contract and as I have poor credit the apr is high. I didn't realise how high until my girlfriend found out and she wants to pay off the loan and I pay her back. Avoiding further interest. I have dug out my contract and have discovered that the…
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Payday loans early repayment.
Im unsure on early settlements regarding interest rebate on payday loans, I currently owe around 3000 pounds between 4 different company's, and have done for the last 18 months, yes its been a very miserable 18 months working so hard for so little and I could say I have well learnt my lesson with these types of company's,…
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Declined?
So I already have an existing loan with sainsburys bank of £1,000. This started in febuary. I tried to increase my loan in April and it was declined? When I phoned back to ask why, they just said that my answers did not meet their Criteria. So, if I need a loan in the future I guess I won't be able to get one. I've never…
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vauxhall motor finance
Hi, I recently visited my local Vauxhall dealers looking to get a good deal on a new Corsa. Their 0% finance deal over 5yrs looked inviting so after going through all the initial stages of choosing the car, extras, colour etc, the salesman put through my finance application there & then while I sat waiting (Nice cup of…
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Debt that isn't mine and now I can't get a loan. HELP?!?
Double post, sorry.
