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Shawbrook Bank
Hi all, Just a quick note, I'm thinking about taking a secured loan out through Shawbrook Bank as they are offering a very competitive rate. Has anyone taken out? had loans? any issues? good service etc? As they are fairly new I'd like to know if anyone has anything I should be wary of. Thanks very much
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Credit scoring - I don't understand it?
Hi guys. Just been discharged from a DRO and first time ever seeing my credit scores. CallCredit have me down at 334 and Equifax 283. I understand this is low but how do I find out how low? How many points do I need before I get to good? What score is good? Thanks
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Anyone with a low Experian credit score ever gotten a loan
Hi, I've seen a lot of people say they have 999 Experian scores but get rejected for loans based on obvious things like debt to income ratio. My question is has the reverse ever happened. Has anyone with a poor score ever got approved despite it because the factors which made their score low might not be so bad.
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How to move forward with this..
Hi to all :wave: I'll try and keep this brief: Loan taken out with Santander in 2008 with PPI protection. The applicant fell ill with a serious condition later that year, informed the bank of the situation and initial outcome was positive (repayment plan, etc). Repayment bacame too much as no income/hospitalised. Relatives…
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Quick question
Ive set up a repayment plan with a PDL but since i set this up ive had to stop the debit card linked to it thx to a broker fee(now replaced with a new card),the 1st payment is due tomorrow. Now ive read on here that some PDL companys have managed to take money off the new card linked to the old cards account. I dont want…
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Loan repayment
Can someone give me some advice please. In 2006 I took out a £25,000 loan, repayable over 120 months, with a total repayment at 7.7% per year of £36,028. This was a monthly set repayment of £300.24 per month. I did not start receiving annual statements from my lender until 2010 and this showed my monthly payments (£300.24)…
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Likelihood to be accepted?
I am about to graduate from University (next week!), but have just had my car written off in an accident. So I need a loan to cover the amount for a new car. I have a job offer to start in September at around £20K (final figure hasn't been confirmed yet, but it is at least this amount) and I work part time at the minute,…
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Loan help
i have a number of debts that i want to pay off all together so i have one monthly payment going out. my credit rating is in a bad way and wondered if anyone knew of any loan providers that would consider me? Thanks rb281
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Proper paperwork for loan from relatives
Removed by OP
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Payday UK
Hi all, I've just applied for a loan on https://www.paydayuk.co.uk . Has anyone used this site ? I got accepted but when they were asking for bank details then wanted my card number,account number,sort code....and CVV number !! There is no need for them to need the CVV number,right ? Having this means they can use my card…
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Extraordinary response from Barclays to my instruction to cancel a cpa
First of all, this is my first post here, but I have spent some time recently reading all the good advice posted. Thanks for that. Anyway, after much soul searching and talking with the National Debt Line, I decided that the only way to deal with my debt situation and continue to feed my child was to break the PDL cycle,…
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Santander
Hello I have a car loan with Santander and I'm very frustrated to find that I get charged £30 for every change no matter how small. I just wanted to post to warn people not to fall into the trap I find myself in so that they can choose to go elsewhere hopefully and save themselves some money, as that's what it's all about…
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Does having debt reduce your chances of getting a loan?
Hi everyone, I just want to know: Does having other loans (credit cards) reduce your chance of being approved for other loans - even if you keep up with your repayments? Thank you for any replies!
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cahoot loan taken over by santander - APR increase?
Hi all, I've been a lurking guest around this site for some time and i'm just about to sort out taking action on some PPI for loans and cards over the last 5-6 years. While browsing I came across a thread for Cahoot Flexirate loans and some refunds for interest increases so I've checked out my loan details. Now mine was…
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Stuck in a loan
I'm trying to help my best friend... She was in an abusive relationship which she has now managed to get out of but 5 years ago her ex managed to get her to sign loan papers for 34k which she is paying approx £475 per month. She has been paying this for 5 years I called the loan people yesterday for a settlement figure and…
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Consolidating....
Morning all, I have an issue which needs the forums expert opinion on. My fianc! has debts totalling £22k which is over the following: Credit card1 £5500 Credit Card2 £5500 Unsecured loan £11000 The problem is my wages covers all the bills which then leaves me with nothing for the month and after WTB (Wife To Be) pays her…
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partially satisfied default notice
I have made an offer to Blair Oliver and Scott (who have agreed but i have not paid it yet still have 4 weeks to decide) who took over a halifax loan when it went into collections. It has been being paid at £79 per month but the original loan agreement with halifax was £149 a month. Anyway there is £5911.79 left…
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Help with a loan application
Out of interest. Yesterday I rang Halifax to enquire about a loan. When asked what amount I required they asked what it was for, I replied it was for a number of things. Then they asked for a breakdown of what was being spent on what. Obviously I just gave an estimate of what was being spent i.e. £6000 on a car, £1500 home…
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Information they need when applying for a loan
Out of interest. Yesterday I rang Halifax to enquire about a loan. When asked what amount I required they asked what it was for, I replied it was for a number of things. Then they asked for a breakdown of what was being spent on what. Obviously I just gave an estimate of what was being spent i.e. £6000 on a car, £1500 home…
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Can I take out a bank loan with no proof of income?
This isn't as stupid as it may sound. Me and my partner are both students. I am due start my secondary PGCE in September and will need a more reliable car for getting to placements which can be anything up to 50 miles from my home address. However, we would need to take a joint loan out for this. Because I will be training…
