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Debt that isn't mine and now I can't get a loan. HELP?!?
I'm in a sticky situation so i'll start from the top. Last May I received a letter for a company called Lowell saying that they had taken over my credit store card with Argos with a £486 debt. I had apparently taken out at my Grandad's address which I had lived in for a few months before he passed away. I phoned them to…
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lost receipt bank statement as proof of sending
can anyone help me rectify if you can prove youve sent something through post office delivery if you no longer have the receipt ???? i paid for the delivery using my bank card the cost was of weight and recorded nxtday delivery about £13 amount is shown and that it was at post office local to me. this was sent almost a…
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Refinancing loan?
I have a Nat west loan with an outstanding balance of £10k its costing me £378 a month and is basically crippling and im going into my OD every month, Im wondering on possiblilty of maybe asking about refinanancing the loan as i could looking at it reduce the payments by almost £170 plus a month, i know its gonna cost me…
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Pay Day Loan
Is there anything you can set up to ensure you get declined for pay day loans? It seems that they will lend to anyone regardless of credit history and my brother has got into trouble over this. Im trying to help him but with so many companies out there it will be hard to protect him unless I can set something up to blanket…
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3 years accounts
I have sent off my mortgage application with my last 3 years accounts. I have a deposit of 20% but I dont know what they look at as far as accounts go. Net profit is 31K, 11K and 47K loan is for 181K over 24 years. Hows my chances on those numbers? Thanks
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Wentworth direct is a scam
You apply for a loan and they post you a letter saying you have been accepted. They show you the APR they are offering (15.5%)and ask for £70 to finalise the loan. 2 days later you get a call from some bloke offering you a £500 payday loan at 4000%. They only have a po box address in Gravesend, Kent and will not let you…
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Payday Loan
HI, I recently took out a payday loan. The repayment was due on Friday and i had the funds, however in-between getting the loan and paying it back i changed banks and payday uk had my old bank details, (This account is now closed). I was going to phone them on Friday however i received a receipt from them saying it had…
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What really is the best comparison sites?
Looking for a small loan over 12 months -any suggestions for best comparison sites for this type of loan Cheers F
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Advice Please
I have a less than average credit rating with unsecured debts totalling approx £10,000. Minium monthly payments on these are costing me 2/3 of my salalry and will take god knows how long to clear! I have worked out (using an online loan calculator) that even if I could secure a loan with APR in the region of 20% I could…
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OH offered loan bigger than annual income - Future ability to gain credit?
Hi all, My OH has been offered a 'top-up' loan from a bank beginning with B.. They have pre-selected him to receive up to 15k. He is looking for a car to buy at the moment so will be looking to take out some sort of loan but not 15k..! My question is, his annual take home wages are just short of £15,000. I know potential…
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Minicredit missing loan need advice ASAP....
Hi, I'm currently in the process in dealing with the company minicredit.co.uk. I will post the main communications shortly just need help on what I need to do at this moment of time. Main issue is the company is saying they've paied a loan into my ac and have started charging interest yet my bank says no funds have been…
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Nationwide 'Soft Search'
Hi all Sorry if I am starting a new thread, Im looking for a loan of £1500 over 2 years for new furniture for a new flat I am moving into. I have a 'poor' credit rating due to 1 Overdraft default due to my employer becoming insolvent and another loan which I cleared which will drop off my Credit File in August. I have two…
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Secured loan - broker worth their fee?
Hi, I'm after some advice from the forum (always had help before so the first place I come to!). Basically our mortgage deal (£164k on £225 home) has come to an end and we have looked to borrow more to pay off debts (8k credit cards, 9k tesco loan with 2 years left to pay but is crippling me). I have a ccj which I acquired…
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Types of Loans
Hi; Am having to take out a loan as a last resort to buy a new car, just wondering whether anyone can give me some advice on the best type of loan to take out? Totally clueless with anything like this so any help will be greatly appreciated :) Thanks in advance
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Moving abroad - any consequences for remaining UK based loans?
Hi, I would like to know if anyone has any experiences in taking out a UK loan, and then moving abroad afterwards. I'm heading abroad as my skillset seems to attract much higher salaries abroad, so I'd be better off even taking into account costs of living. I do intend on being as up front as I need to be with all my banks…
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25k loan to go travelling
The payments would be £350 a month over 7 years roughly 5 grand would be in the bank to cover the loan in the year I'm going away Think it's stupi or? The way I see it is your only youn once... I want to see the world and the job I'm doing in England I could get payed $21 an hour in Australia an make $000's commission. I…
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Credit rating confusion
Hi, I've recently tried to get a new mobile phone contract, but it's been turned down based on my credit history...this is the first time I've ever given much though to my credit rating. I've been renting for years, I've had mobile phone contracts for years, I've bought many things over the years and have paid monthly, and…
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Confused in obtaining credit
Right, lets start from the beginning. In the last 2 months I have recently been approved for a mortgage with Halifax for £117,000 and still waiting to make the first payment. In the mean time, I need a new sofa so after choosing a sofa from Harveys I decided to use their credit company Ikano for credit as I dont have the…
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Agreed in Principle...then approved...no more contact?!
Hi there, I applied for a 10,000 loan with Hitachi Capital a couple of days ago online. The decision was referred, then a phonecall the next day asked for bank statements for last three months sent to their referrals (I assume underwriters) department. Then this morning I received an email to say it was agreed in…
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Santander Early Settlement on Car Finance
Santander car loan
