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Credit File Mark - 6 Year Ordeal....
Hi Martin + Blog Members, Wondered whether anyone else had this problem with Barclays Bank or any bank and if I have a leg to stand on in requesting compensation and if so how much to request? In 2005 I took out a personal loan, in 2006 there was a mess up with one of the direct debit payments where the money seemed to…
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Witnesses to loan
My daughters husband who works for a bank admitted that the witnesses he got to sign were not present when she signed it. They were both bank colleagues. Is this legal. Sue
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Payday loan company encouraging you to gamble
Just got this e-mail through from a company called 'PaydayWad'. Have to say I am totally disgusted. They are basically encouraging you to take out a payday loan so that you can have a bet on the footie! I don't mind the companies suggesting you take out a payday loan if you have some major unexpected expense or something…
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Applying online for a loan
Hi all, I am just in the process of acquiring my first bank loan. I am attracted by the low 5.9% APR that Sainsbury's currently offer. However as stated "this may vary depending on personal circumstances". Therefore my question is, will they display my personal rate during the online application process or even prior to…
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loan to buy a property?
Can anyone help? I am paying up my mortgage and need £10,000 of my own funds to buy a property, I have managed to get a loan for this, is it allowed? I have the rest of the money from my house sale. I don't want to get to exchange of contracts to find its not legally allowed. I would appreciate any help or advice. Thanks:j
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Rate Setter Loan
Hi, I've been looking at consolidating some of my credit into one loan of £21,450. My Experian credit rating is 849 (Fair). Having spent a lot of time getting my credit score up to this level I don't want to ruin by applying for credit to no avail. If been looking at comparisons through some soft checking and one that has…
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Txtloan?
This morning I noticed a card payment taken from my account for £117 by a company called txtloan. Didn't recognise it and so looked into them and discovered that they are a "payday" loan type company. I have never even contacted one of these sort of companies let alone borrowed through one. The 0871 number on there website…
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Can I go bankrupt?
Hi All I was wondering if anyone can help me? I lived in Jersey for 3 years and took out a loan. I became extremely ill and moved back to the UK but because of my illness I am now unable to work full time and so I am unable to pay the loan back. I was hoping to go bankrupt but Jersey does not accept a person going bankrupt…
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NATIONWIDE soft searc
hi ive recently made 2 applications for cc's RBS accepted. MBNA declined plus a nationwide soft search i just want to confirm that the soft search leaves absolutely no footprint on my credit score, as i want to do another soft search for a loan thanks
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Credit Rating & Business Loan
Hi all, I'm about to launch my own business which doesn't require a massive startup loan although I will require a small-medium amount. However, I'm concerned that I may not qualify for any business loans due to my credit rating. This is the only issue I can think of that may prevent getting accepted. The reason being, my…
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Career Development Loan?
Hi All, I am currently working part time however I am interested in doing my nvq in hairdressing. I started this when I was younger but had to leave before I completed it, something I have always regretted doing. I have thought about doing it at college but I would not be able to work as well as the course would be full…
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Career Development Loan.
Hi All, I am currently working part time however I am interested in doing my nvq in hairdressing. I started this when I was younger but had to leave before I completed it, something I have always regretted doing. I have thought about doing it at college but I would not be able to work as well as the course would be full…
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Early Repayment
I have a loan with M & S. Can I repay it early using my LLoyds TSB credit card then balance transfering onto a card with 0% for transfers?
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Is anyone who can help me ???
I needs help someone who realizes in loans in the uk. Last few months have been a nightmare for me, and further because of the problem are still not resolved. I simply do not have any ideas, I'm close to a nervous breakdown, I have no strength to fight it. Money for these problems, I started to get sick, nerves and stress…
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Paying Secured loans Early
Hi Everyone. I am taking early retirement this summer and will be getting a lump sum. I have been on a debt management plan for 5 years. My mortgage is with the Halifax and I also have two secured loans with them which I wish to pay off to ease the financial burden I have been under for the past 5 years. This will come…
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Advice needed, please help.
I bought a car on finance 5 years ago, they messed up the direct debit day up so the first payment was late. I payed this and sorted the direct debit day out. I couple of weeks later I got a 46 pound charge from them. I phoned up to complain and they said between the garage and the finance company there was a problem with…
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Natwest says loan paid out, but it is not in my account?
Hello, First time on here so please bear with me. I applied for a loan on Friday with my bank Natwest whom I have been with for nearly 40 years. It said agreed in principle I think and then I signed the agreement on line so no paperwork was needed and a message said the money would be in my account the next day. Anyone who…
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change my secure loan to unsucure loan
Hi all, i am new to this please does anyone now if i can change my secure loan to unsecure, this is due to me selling my house cheaper, i really need to get rid of the house due to recent divorce, at the moment i am financially connected to my ex husband and need to get rid of house and change the loan to unsecure, i have…
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M&S car loan
Hi. I'm new to this please be nice? Has anyone managed to get an M&S car loan at the headline rate of 6%? With an Experian credit rating of 999/1000 we were offered 9%as apparently we don't meet the credit rating to get 6%! It seems that M&S don't follow the lead credit rating company. Shocking - is it surprising the…
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Natwest Loan Help!!!!!!
I had a loan from Natwest for £8000 back in October 2011, the repayment is £195 per month. So far, in 8 months I have only paid £746.34 off the total balance, and £817.10 in interest!!!!! I am getting charged £100+ per month in interest alone, For every £195 that I pay towards my loan, £100+ of that is interest, is it me…
