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Borrowing advice needed
Ho guys, I am in a predicament and could use some advice but dont know where to go.... I currently have a decent credit score, but everytime I have applied for consolidation loans or credit cards for 0% ballance transfers i get turned down. I am desperately over stretched and I assume this is why they are refusing my…
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Default Notice
Hi I am a newbie so forgive me if i have posted in wrong forum! I have recently been sent a default notice by Mercedes in which I owe 2 months = £891.56, which I am not disputing but a paragraph reads on the back "You will need to pay £0.00 if you wish to end this agreement by the date shown etc..." I therefore wrote to…
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Help With Loans For A Rented Deposit
Hello I`m wondering if anyone could help me with my problem . I need to move to a new property , and the new flat council does not have a rent deposit scheme or anything like that. iv spoken to the credit union they are unable to help me as i have to save with them for 13 weeks and are only able to give me £200 . Im moving…
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Credit Default
This is my first time posting and I hope it is in the correct section - apologies if it is not. Around April 2011 I received a letter from Cabot Financial services stating that they are trying to recover a debt of ~6k which they had purchased from Barclays that had defaulted in 2007. This was a complete shock to me as I…
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Loan options for over 60's
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Looking for a loan
Hi folks, I appreciate that threads similar to this are posted often, but unfortunately I can't find the answer I'm looking for. I'm looking for a loan for £4000 to clear some other debts so that there is only one bill leaving my account every month which will enable me to keep good control of my money. I have a good job…
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What are my chances of getting a loan to buy my first car?
Ok, so I'm looking to buy my first car at some point before September (firstly cos getting to work (almost 10 miles away) is proving to be not the easiest of things, especially when I'm doing night shifts and secondly to build a no claims bonus. I have a full time job (admitedly not far above minimum wage but still…
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unsigned credit agreement - help!
Hi, A while ago I had a problem with my monthly direct debit for my car insurance and the finance company didnt receive the money. Also I had moved, due to a fall out with the people I lived with when the policy was set up and forgotten to change my address with the insurance company. Both the finance company and the…
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How to work out monthly interest on a loan?
Hi all Can you help? I am looking at 2 of my loans and what to work out ways to pay them sooner. One of my loans is at 16% apr. I have £5,061.71 left on it with 27 payments left. The minimum monthly payment is £186.10. Now my wife has been able to round this up to £200 a month but when I called up the loan company to work…
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considering a loan to repay existing loan and credit card
Hi all, I am considering getting a new 3 year loan of £11k, to repay an existing loan (£6.6k) which has just under 3 years left and also a credit card (£4.4k) which is currently on a 0% deal until December 2012. My repayments on the loan are £200 a month, which was originally 9.9% APR and I'm repaying the minimum (around…
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Will I still be able to claim
I am still re-paying my career development loan back? I only owe 1700 now and am due to start Uni in September 2012. Will I still be able to claim student finance while i still owe money on my career development loan? Cheers
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Link Financial - what now?
Back in October I was contacted by Link Financial regarding a loan which wasn't mine. I suspected at the time that it might have been related to some ID fraud that occurred with my details (and took close to 2 years to sort out), but it appears not to be. Despite the fact that: 1. I have never lived at the address that it…
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CCF never assigned settlement to account - now i have a default!
good evening all Intro: last week i received a letter through the door from a company called clarity credit management requesting that i called them straight away. so i did, and they said i owed a company called creation consumer finance (CCF) £1300. History: January 2011 i moved into a new house i bought some new sofas…
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Advice Needed Regarding Getting a 20,000 Loan
Thanks for stopping by. I am looking forward to apply for a 20k loan and before i go with it, i wanted your valued input on my situation and what procedure should i opt for applying it. I'm self employed and live in rented property, i guess that alone will make it harder for me to get the loan. Beside that, i have not…
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Natwest / cap quest
Hi I had a loan with natwest which i was paying on debt managment plan and then they suggested i do it direct which i have for about a year and 3 years previous through debt company. I started getting phone calls from cap quest last week refused there security questions as didnt know who they were and they wouldnt tell me…
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Advice on Car HP Agreement
Hi All, I am hoping someone can advise me on a slight problem I am faced with. In April 2012 I took out a credit agreement with Santandar Finance for a new car, bought from a main dealer. The credit went through fine, and I am unto date on my payments. I work for the NHS and have done for 10 years - everything has been…
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How to fund life-changing move?
Hello everyone! After being unemployed for the last 3 years, I have been offered a job in mainland Europe. Very excited about it all, but am unsure as to fund this potential move. I have a feeling that if we walked into a bank and said "I need to borrow money to leave the country for ever" they would laugh us out the door!…
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french caravan loan
help i need advice i bourght a caravan in france from a caravan park and i was unable to pay for it i contacted the park and finance company the caravan park offerd to take it back and pay the finance off now the finance company has now demanded 8000 pounds which is outstanding what can i do as i dont have the money a…
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Declined for a loan
Hi, I am very new to the forums, but in dire need of advice! For the last 5 years myself and my partner have had to scrape by financially, as I have been at uni training to be a teacher. I have recently finished and we have worked out that due to financial struggles throughout this time we have gained nearly £12k credit…
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Bank statement demand
Hi I have been asked to submit my bank statement by a solicitor acting on behalf of the Halifax. Am I legally required to do this? Just because they are "solicitors" surely this isn't a legal requirement except by way of a court order? Thanks Adam
