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Payday loans.. sick of reading....
I have been looking on this site for a few months now.. just sitting reading and never writing.. I have decided now to have my say.. Im sure alot wont like this but here goes.. I have read so many post on here about people who take out payday loans and lose their job or become sick and cant pay back and then moan about the…
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Loan with one old settled default?
Hi I spend a lot of time reading these forums and a friend of mine has asked me to ask a question for him if you wouldn't mind. He earns 32,500 a year. He lives in a rented property which he pays 400 a month. He has 1 default on his credit reports which was settled in 2007, it drops off july 2013. Ofcourse a default is a…
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overdraft advice
Hi Everyone, I was hoping I could get some advice and a few thoughts on my situation.. I started a new job on 31st May and my payday is end of the month. The cut off for payroll is the 18th of each month. I got told today that the H.R. department at my new job entered my bank details incorrectly and now its too late to…
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Payday loans: defaulting on payment plan
Hi folks, I'm in the process of setting up a debt management plan to try and dig myself out of the spiral of debt payday loans and my own stupidity have gotten me into (and continue to!). I have around 7 lenders I owe money to. The most being Wonga which is around the 1200 mark. My plan is to follow the advice of a poster…
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ccj advice
My husband took out a loan with welcome finance in September 2006. the agreement was to pay back £225.26 each month for 36 months. He paid each month up until around April 2008 which to my reckoning means he paid 19 payments and still had 17 left to pay. He has received a ccj letter today and I'm wondering if he can…
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Unauthorised Credit searches on my report
Hi, I just signed up with checkmyfiles and am viewing searches made to callcredit. I have taken several pay day loans but I have 'credit searches' from a company called Cim Technologies Limited. There is no initial 'enquiry' check recorded just 'credit check' I googled them and it says they are 'fairy finance' who I know I…
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Need to borrow £60K to buy a property, but can pay back after a year
Advice, please. In a year's time I will be able to afford to buy this £90K property outright. But at present I can only pay a deposit of about £30K so I will need a mortgage or other loan. Can anyone advise me where I should look? The property will be a second home but I would not wish to let it before the loan was repaid.…
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Car Hire purchase
After some advice. I terminated my car agreement at which I had paid over half so owed nothing in relation to that. It states when returning cars that they need to be in reasonable condition in relation to the age of the car. My car was 53 plate car and to me at least and feel majority of people was well within its…
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Career Development Loan
I'm applying for a CDL to fund my masters course, starting this September. I was under the impression that since I've been unemployed for over 3 months (doing unpaid internship type placements) I was eligible to apply for 100% of the course fees. However, I was just checking CDL application pack and it states "the loan can…
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Ex Boyfriend owes money
Hi Guys, Sorry if i have posted this in the wrong section but i wasn't sure where this query can be put.... To cut a long story short i was with a bf and ended up having to bail him out of debt to a tune of £2800, we split up eventually 4yrs ago and i had to take him to small claims court to get him to repay the money. He…
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Paying Credit Check Companies
Is it really worth £14.99 a month to have full access to Experian or similar agencies, I am all for trying to boost my credit rating, just wondering if anyone else has a subscription??
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cancelling experian /credit expert
I foolishly signed up for the 30 day free credit expert trial to check my rating 2 weeks ago, within days I was on the phone cancelling, i was told my membership was cancelled and if i wanted to start back up again i just had to sign in! I've been getting spam emails off them since, so today i decided to click unsubscribe…
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Help????
Im having trouble trying to Get information from Black Horse Finance i took a loan out which was payed off in full and destroyed all paperwork. However i do believe i was misold PPI and since then i have contacted them asking for the account Information which they keep refusing to give surely under the credit act they…
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MSE News: Government: Why we're putting £38m into credit unions
Official MoneySavingExpert.com insert For full info on credit unions, see the main website's credit unions guide. Back to the original post... "Lord Freud, Minister for Welfare Reform, explains why the Government is investing in credit unions..." Read the full story: Government: Why we're putting £38m into credit unions
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Problems Finding Cheap Loan (Unemployed)
Hi All, I'm currently unemployed/training to be a counsellor with 2 placements and have just over 4k of debt (2.5k credit card and £750 on two bank overdrafts + £900 personal debts). I'm being charged a fortune in fees totaling over £100 a month and would like to reduce this as well as having the opportunity to pay the…
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HSBC Graduate Loan
Hi All, I took out a graduate loan from HSBC in 2006. At the time the they had an offer on whereby the interest on the loan would be paid back to me once the loan had been paid off. The loan is due to end in September, I contacted HSBC who asked me to come into the branch with my loan agreement form. The problem is I…
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MSE News: Workers turn to payday loans
"Workers are increasingly turning to payday loans firms because their wages run out before the end of the month..." Read the full story: Workers turn to payday loans
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PPI and Credit management services
Can someone please advise what one can do if a ppi claim from a bank paid into your account by the bank and the bank advises that this account is being handled by the credit management service and requires you to contact them to authorise before you can take that claim.
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Car loan is crippling me!
Ok, new on here so dont quite know how it works. I'll explain the problem and perhaps others in the situation can comment or advise. Three years into a car loan my circumstances have changed. Im self employed at present so dont find getting credit very easy. (not that I want it any more) Anyway, the long and the short of…
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rbs loan and ppi
hello, rbs have just paid me within 3 days of accepting their offer on my ppi, as it was in a loan chain they have give me 3 lots, totalling around 5k, and currently have a loan with them for 5.2k so was gunna clear it, now the payments they sent today are without the interest, anyone else had this? and know when they…
