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Assessment of affordability
Does anyone know if banks are obliged to keep records of the assessment of affordability carried out at the time an unsecured personal loan is offered?
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Declined on a Loan
Hi Guys, Newbie here so be nice! Let me explain the situation: I went to get a Credit Card (Student) from NatWest about a year ago - and was declined on the Basis that I was not at the right address on my electoral role. Indeed I was very annoyed as I'd just moved and asked the council to amend this, of which apparently…
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Defaulted Loan Showing on Credit Report
I recently got rejected for credit from my bank and was advised to check my Experian credit report. I did this and found everything on there was a nice green colour saying "satisfactory" apart from one which was the first ever loan i took out which, to be fair, i cocked up on badly, however the loan however was paid off in…
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cahoot flexi loan advice needed please
hi, First time and very anxious poster. I will try to make a long story short. Took out a cahoot flexi loan in 2002, had no trouble paying back loan was well within my budget, in 2007 suffered a messy and expensive divorce coupled with cahoot whacking up interest started to struggle to repay and had to rely on drawdowns…
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Borrowing a loan to pay off existing loan
Hi, Currently me and my partner have an unsecured loan with northern rock which we took out with our mortgage 8 years ago.Since then we have moved our mortgage but we kept the unsecured part of the loan as we needed it to put down a 15% deposit on a new house.Problem was that the interest rate went up by 5% on the…
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Payday Loans entry on credit file
Evening all, Looking for a bit of advice on Credit file entry by Paydayloans I've had several over the last year and fortunitly thanks to the help of the board im all clear and not going back there ever again. Each loan or defer of loan that i had with PDUK has put a credit account on my file, they all show settled as i…
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Tesco Bank paying off loan early - calculation help
Hi guys I have read a bunch of posts on here and asked a Q or two regarding this and I am still confused. I have a tesco loan that I am paying back 2.5 years early (of 5 year term). I phoned to get a settlement figure and was quoted 1443.20 including a charge of 68.88 for early settlement (with full outstanding balance…
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Ndr/toohfairyfinance/speedcredit
I took out a loan for £400 from speedcredit. I ran into difficulties in paying it back. I've been contacted via email and texts up to 10 times a day regarding this. Have tried to email them but i get responses that seem generic and harrasing. Have read a little about them around the forums and its clear that they are…
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Credit card for £20k car loan?
Hi all, Some months ago I stumbled upon a suggestion on these boards for a car loan to be obtained by taking out a credit card with 0% for 20 months or somesuch. In backing up that general suggestion, there was mention of a specific card -- all I recall is it had a credit limit or transfer limit of about £20k. Can anyone…
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advice on northern rock loan please!!
Afternoon all, Me and my partner have an unsecured loan from northern rock and would appreciate any advice on where to go with it! We bought our first house back in 2005 and opted for a 'together mortgage' (part mortgage,part unsecured loan) form northern rock. We sold our house in 2009 and unfortunately only managed to…
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Co-Op bank
Just wanted to pass a bit of information on about this bank. You can make your own judgements as to whether or not they are in the wrong but I would appreciate due to the sensitivity of this that any negative comments are kept away. A very good friend of mine committed suicide last week, I (and his parents) have since…
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Joint loan with EX!!
My ex and I still have a joint overdraft which has long been converted to a loan and passed to a (second) debt collection agency!! This has been going on for ten years and by and large it has only been me paying it and a very low,slow rate! The loan companies say he is difficult to get hold of and so don't pursue him and…
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Black Horse Loan
I have a Black Horse HP loan for a vehicle, due to an unexpected tax bill tried to defer 1 months payment of £352.12. T & C state that I could do this once in a 12 month period, with interest charged for the period each payment is deferred and " reasonable admin Costs", thought it was still agood idea until I contacted…
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Can you reduce a Barclay's loan repayments
Hello all long time lurker 1st time poster here. Was hoping for some advise really. My other half has a personal loan with barclay's I think its around 10k some thing like that. She has been paying it off for years but she has come to a point now where it is just to much with all the other bills to pay i.e. credit cards…
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Student Loan - Still in School - Pay or Borrow?
Hi all, Currently I am in my second year of law school. I've accumulated the princely sum of $125,000 in student loan debt plus $8,000 in accrued interest thus far, with one year to go. The loans are a combination of Federal Unsubsidized Loans at 6.8% and Direct/Grad Plus loans at 7.9%. This debt is only from law school…
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Should this 10K loan have been granted?
Hi all, My mohter (who is now 74) was asked by a family member 3 years ago to be a gaurantor for a car loan finance agreement from a car show room. 3 years on and he's stopped paying it and we've since discovered that she isn't the gaurantor at all, she's taken the loan (a car loan) in her name for a car in his name. My…
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Credit Agreement without an agreement number
Hi, My partner has a fixed sum loan agreement which at the time he signed the pre-contract agreement at the time of purchasing a conservatory. A few days later a carbon copy and accompanying letter was received which said please find enclosed a copy of your finance agreement signed for and on behalf of "xxxxx Finance".…
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Secured loan
It's not normal I ask here for help, but today I am. I'm looking for a secured loan, to secure on my property for 15 - 20,000 if this amount is possible? The loan is for some home improvements I wish to make for a conservatory and internal restructuring of my property. I also have about £5000 in unsecured debt, which I…
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payday loan helpp!!
Hi, I recently lost my job due to sexual harassment off a member of staff. I am now on benefits, waiting on Income Support to be sorted. Please do not judge me for being on benefits. Anyway, I got a payday loan from PAYDAYUK in March, I lost my job before the repayment date, with what happened at work i wasnt very stable I…
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Wonga Loan
Hi, after a bit of advise. Took out a wonga loan 4 days ago and spent it on a huge family birthday present, they thoroughly deserved it. I'm in the process of getting a loan from a credit union for me travelling around the world, they are requiring a bank statement. I'm looking to do it between the dates of wonga showing…
