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Debt Spiral
Hi Guys, first post here, I've managed to get myself into a bit of a jam with the usual suspects, i this case quickquid. Long and short I'm due them £625 at the end of the month and £200 to wageday advance. the quickquid debt started when one of my flat mates moved out and left me short on rent. It started as a principal…
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Nursing Uni Student - Quick questions
Hello I have been accepted to University and am due to start a Nursing degree in January :j however I am a bit confused with the loan system. I currently live with my parents who both earn above the highest threashold to get given grants etc. I have just had a letter from the Student Loan company to say that I will recieve…
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Blackhorse want more.
I took out a blackhorse loan march 2007 over 62 months.with 60 payments on 1st of every month 1st payment 1 jul 07. all this is on the contract which I signed (I have a copy) I stuck to the T & Cs and paid on the dot every month with no mishaps final payment on 1st June.All payments by direct debit.I have just received a…
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Student loan PAYE payments when abroad?
Supposing you were to move abroad and had been paying off your student loan through PAYE here in the UK.. is it common to set it up so that you pay it off if you started earning Euros in another country? I've been paying mine off for 4 years now - it's gone from £15k down to £8.5k but it's going to take another 3 years to…
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Voluntary Termination of Car Finance - Deposit?
Hello All, Due to a high interest rate, the amount I owe on a car I purchased 1.5 years ago is more than the car is worth so I am looking to exercise my Voluntary Termination (VT) right. The car was financed through Personal Contract Purchase (PCP) but I am confused with regards to the initial deposit paid to the dealer.…
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BlackHorse final settlement % they might accept
Hi all, I had car finance with Black Horse Finance but got into financial difficulty and had to do a voluntary hand back on the vehicle. This left me with a £2000 deficit which I offered to pay back at £17.50 a month as I was out of work. I have been paying this for about 2 years now. I got a letter saying that my debt has…
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Loan approved.. Account frozen (natwest)
Hello ladies and gents. I'm after quick advise and maybe some reassurance that I'm not going crazy. Last week I applied for a loan with natwest. The total was for £13700. Part for a used car and part for a family holiday. I initially applied online where I instantly got an "approved". Woohoo... Unfortunately thereafter…
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ppi loan :)
just wanted to share my news, got a letter from yourkshire bank this morning telling me that they are paying me 2,500 back for miss sold ppi, if it wasn't for this site and some of the great advice on here, i wouldn't have botherd, and all i did was make a phone call, very pleased :) and thank you :T
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CreditExpert/Experian-Misleading
This is a warning and also I guess a request for advice... Both my wife and I are members of creditexpert and decided to use their lowermybills service to find a suitable car loan for my wife. We used the system to enter the loan amount £7500, her income £10000 etc and the system went ahead and chose two providers who…
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Lending to drunks?
Hello, Some advice please. I've got a close relative who is an alcoholic, not working, basically we've been trying to put his life in a straight line before he wastes it away completely. Hes just past 60 years old. As he never has any money he often turns to the local providant money lender where he borrows a money for a…
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Loan with 'fair' credit profile
Hi can anyone advise me? I had some very difficult credit problems a few years ago, and I am slowly rebuilding my credit profile. I don't have any debts any more other than a car loan, and I pay off my credit card in full every month. I have repaid all the problem debt and I checked my credit file today. It said I had a…
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Users beware quick quid texts
Today i Had 1 unwanted text from quickquid phone number 0808 101 1382. QuickQuid application almost complete! Contact 0808 101 1382 to provide us with another email address. Text QUID to 88802 to unsubscribe. this was at 17.30. at 17.44 they called me off the same number (not withheld) i hung up when i heard and american…
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advice for car laon, with car allowance from work, but with bad credit.
does anyone know of car loan/ leasing company for people with not a great credit rating. 5 years ago I was in a job where the bottom fell out of the market they changed the way we were paid and consequently my wages were unpredctable I got into debt not because I'd taken anything out I just struggled to pay what I already…
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Repaying early & avoiding charge
Hi all I've been thinking of taking a loan of £7.5k from first direct at 6.1% and paying my lloyds loan off (roughly the same amount outstanding). My reason for doing this is that a) I am saving for a wedding, and b) my student loan repayments will be starting in a couple of months (old style loans) so I want to roughly…
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Old default, just a quick question!
I have just applied for a car lease when maybe I should have waited but the deal is fantastic but short lived! The lease company uses Santander and I'm slightly worried. My Equifax file is clean, two cards, a bank account and mobile all good, no late payments etc. Credit ratio is showing 45% but I have cleared this but as…
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extortionate short term loans
Is there anything that can be done about the extortionate short term loan companies that are advertising everywhere at the moment. They are quoting 4214% APR. How can this be so acceptable and legal? Would appreciate some feedback to know where to start.
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Loan over payments
Hi, I've currently got a Sainsburys loan with a balance this morning of £13.728 at 8.4% which is due to finish in Nov 2017. I'd like to reduce the term of the loan and Sainsburys have said that I can set up a standing order quoting my agreement number in order to do this. I was thinking of paying an extra £50 a month to…
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Should I pay the loan off?
Hello, I am new to this forum so apologies if this isn't the correct board to post this on... My partner and I have recently paid off his loan as we had saved enough up to do so and still have some savings left. We are now wondering whether or not to pay mine off, which would mean being loan free, but with no savings left…
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Santander
Took out a car loan with Santander through dealer, did part exchange, and they would not do the transfer for my private number plate, which is a first as usually this has been done for me, so i did this myself when i took ownership, i have now just recieved a letter from Santander saying they are taking £30.00 from my bank…
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Green Leaf Finance - PLEASE HELP!
Hello everyone, Please help us! A month or two ago my partner tried to get a payday loan, silly I know but we are in a lot of financial difficulty and it was our only option. We did not visit a webpage entitled Green Leaf Finance Ltd however a few days later money had gone from our account to them - he did not get a loan…
