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Possible ID fraud?
My son (22) found he'd had an unauthorised withdrawal from his bank account. The bank said he should contact the loan company who took the money (he'd never heard of it, let alone asked for a loan). He rang the company, who said his details didn't match their records & that he should write requesting a refund. He did &…
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Will the debt hinder my chances of a loan?
Hi everyone, I've asked this question to various people and always got a slightly different answer so I am turning you to you guys! I want to get a loan of around £5,000. I have good credit history, and a £15k a year job, but I do have two credit cards, (1 with approx. £1000 and 1 with approx. £2000) that have a friends…
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Co-op loan
Hey, Just thought I would share my elation that I have been accepted for a £10k Co-op loan. Worked out that this will save me over £250 per month. Bring on being debt free! If you haven't checked out how much you can save consolidating your debts, have a look...
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Tesco loan...a yes or a no?!
Hi all, long time lurker but 1st time poster! Quick & hopefully easy question for you experts out there in regards to my girffriends circumstances, & whether she's likely to be accepted for a loan with Tesco (or any other company!) she works full time, earns £12,500pa, has one credit card with a limit of £2000 & a balance…
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Tesco Loan, quick clarification on early repayment needed please
Lookedat other similar posts and now very confused by all this, hope someone cant point me in the right direction. Just been accepted for tesco loan, 10K/5yrs/11.5% total £10000 + £3026 interest repayable, £217.10/month Tried to get clarification from Tesco phone advisor but he was unable to answer the question although…
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Please help...terrified.
I hope the following makes sense. Six years ago my husband took out a personal loan with Welcome Finance(month is unknow was summer time ,we have no paperwork to verify exact date). It was for £1500. My husband made some payments but then due to personal reasons suffered a breakdown and to be frank it wasn't at the top of…
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Please Help - Is this practice legal?
I entered an interest free credit agreement for some photographs directly with the studio who took the pictures. About 3 weeks later I received a letter from another company (a collections firm) telling me that they had purchased the credit agreement and would be taking over the collection of payments. All of this before…
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If I pay 5k off a 9k loan...
:jI am about to pay 5k off my 9k loan, can i ask if the repayments will drop or just the term reduce? Many thanks x
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Very Naive...not sure what to do?
Hi, I've been very naive...please don't respond to this if you're going to judge me...I just need some helpful advice. I have been looking for a loan, and this morning I spoke to a company over the phone...they took the relevant details they needed for the application (at this point everything seemed fine). They said that…
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Loan for a deposit
Good evening Basically wife and I agreed to save for 2 years and get a large deposit for a house. 8 months in she is pregnant, and we have found the house of our dreams. Mortgage offer is ready to go, mortgage lender has agreed to portal our current mortgage at 2% which is excellent. And top up the remainder at 5ish.…
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Another 20 something in payday loan trouble.
Hi all, I've been reading around on this for a while, but thought I'd best just ask your advice directly! Okay first the background; My debt - around £2300 shared between quick quid, payday express and the money shop. This comes to a roll-over interest of around £450 a month (that's the interest on the debt, not paying any…
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Graduate Short Term Loan Help
Hi there, been using MSE for some time but alas there is no page dedicated to my current predicament! My situation is pretty simple; I'm a recent graduate; have a job lined up in the states which starts in October. Between now and then I have to move out to the states and get a place to live etc but don't currently have…
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flexible loan
As a last ditch attempt to avoid a DMP we are considering a loan. We need to reduce our current outgoings but our credit rating is pretty good. I cannot get a 0% cc because my income is now too low so DH would have to apply for a loan or we both go for DMP thus losing the good credit rating. We need a loan for around £10k…
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Hire Purchase - is my lender in breach?
Hi - when signing a hire purchase agreement I advised that the a/c from which the money was to be taken was different to that on the agreement (i.e it should come from a joint a/c rather than my personal a/c) Since then the lender has continued to take money out of the wrong a/c. Is the lender subsequently in breach of the…
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how to get out of of car hp ?
hi, we have 18 months left on a hire purchase on our astra ( 5 year plan £131 monthly) however we depearatley need a bigger car for our family, we can no longer get finance ( past debt problems) so i was looking at getting a car from my works salary sacrifice scheme which sounds perfect. Trouble is if we get the new car…
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Charged for loan application
I was recently looking for a loan online, today when I checked my bank account I had been charged £69.50 by a company called Loans Express. I can't remember using this site directly but did use a loans search engine which must of passed on my details to them as I wouldn't of agreed to pay any upfront fees. I have cancelled…
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£40,000 Loan
I need a £40,000 loan for various things, i am confident i can pay this back within 2 years, once a Property i own is sold, but obviously nothing is guarnteed, i am looking for something around £150per Month? Any Ideas?
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student loan default
Can anyone answer a question for me please. I defaulted my student loan, it is on my credit file as a default and i pay back £150 a month, but what i want to know is, can interest be added onto a default, as they add interest every month to my outstanding debt on the loan. Thankyou
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Dentist Finance
Hi All So I've just been to the dentist after suffering with my teeth for years. He has provided me information on Six Month Smiles and has quoted circa £1800, which I don't have. He has provided me with information on Dental Finance however, I have been refused loans and credit in the past and I am nervous that if I go…
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Should I walk away from Barclays resolve loan? is it a possibility??
Hi Guys, Back on the 4th of August 2005 i took out a Graduates loan of £6000 with payments of £116.68 a month I kept this up quite well until I went traveling. Unfortunately the post travel poverty got the better of me and I missed quite a few payments to the loan (2 or 3) I managed to get a job and barclays offered me a…
