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Can I get a student loan for a part time degree if I already took out a student loan?
I went to university in 2004 and I took out a student loan. However I didn't complete my degree, I dropped out after one year. But I have never repayed the years loan because I have never earnt over 15,000 a year. I am now wanting to do a part time degree in sept and I want to know whether I am entitled to a loan or not?…
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Tripling the APR on a new loan with the same company
Hi, Have had a loan with a company for the past 2 years which has just completed the payment on with no defaults or missed payments at all. I needed a new loan and they have now tripled the APR on the new one as they say my credit rating has since gone down. I have been advised that this is wrong and that legally the new…
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Loan vs Credit Card
hey guys, I need some major advice (and quickly preferably!). My better half (the main earner in the household) has just been paid his holiday pay but it just hasn't streched far enough; with two weeks to go until his next pay day we are struggling for money for the next two weeks. My OH has already exhausted his overdraft…
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Outstanding Finance help
Hi All Can anyone shed light on if a finance company can chase you for the interests on an agreement after you have actioned a VT!? I returned a vehicle to the finance company a couple of years back ( about 3 years ) i was advised by the company that there was £15.5k left owing on the agreement ( i got made redundant and…
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Student loans website is crap
Hi I recently found out you can check your outstanding balance etc through a website. h t t p://w w w. s t udentloanrepayment.co.uk/ But this website appears not to be that great, in my case, it displays a balance but even though contributions were taken from my salary for the last 3 months, the total hasn't budged and has…
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welcomeloansuk what next?
https://forums.moneysavingexpert.com/discussion/3995275 Still not got my refund off welcomeloansuk even after doing all they asked,i waited the 14 days then sent a notice of action (found a template) to there legal compliance officer and its gone ignored. I sent all requests signed for delivery and have proof of delivery.…
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Apply for a loan or wait?
I currently have several credit cards totalling around 20k of debt. A couple of them are on life of ballance rates Barclaycard and Halifax at 6.9% and 4.8% respectfully these have around 4k each on them, the rest are on cards with Barclaycard, Capital one, santander and and have 3k 7k and 1k respectfully. My credit files…
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Anyone know an honest poor credit loan firm!?
Hello folks, I have awful credit. Many different reasons have created the mess I am in but that is for another post. I want to get a loan for around 10k to clear my awful pay day loans and other problems. I earn good money now but the arrears etc are deep. Now before anyone says 'you might use your cards again etc' take…
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Where do I go from here with Santander?
Hi all, hopefully this is the right board. Its not a loan, but a credit agreement, which I thought might be sort of the same thing. I'll keep it brief and punchy: 1) I buy a ring for my wife through Ernest Jones Jewellers, agreeing a 9 months credit agreement with them via Santander. This is in September 2010 2) 8 months…
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Required to keep the same current account?
I have a loan with my bank and I'm struggling to repay it. In the conditions of the loan, it says that I have to keep the same bank account and pay any salary I earn into that account. Does anyone know how enforceable a term like that is or what its real implications are? I assume I'm better off switching my current…
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Co-Op loan interest on interest is it right?
Hi People, Right this is my first loan with the co op and the last! Got a loan for 8k to buy a car, over the telephone at 7.4% 6 months ago and agreed to the fixed payments of £159 over 5 years, Got the paperwork through and chucked it in the drawer as you do, well as I did!! Paying the payments quite happily over 6 months…
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Please help - Forum newbie
Hi.... OK. I'm full-time employed. I have a salary of about 17500 which will rise to 24500 in sept. I have no debts other than an overdraft of which I am using about 80% of at present (about 1700). About 6 years ago I registered with a debt management company. I paid off all my accounts over a year ago now although there…
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Missing data from Equifax
Hi guys does anyone know why data would be missing from my credit report from Equifax, I have been paying off an Argos card debt for a year now and its almost cleared plus I had a repayment plan once with a PDL. Neither of these have shown up I thought it would be the sort of thing that would though? And does anyone know…
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HP ripped off?
I traded my car in to stoneacre Ford and bought a 9 month old car from them. They gave my bare minimum for my car and i had been offered £500 more from a non ford garage to trade in. When we were talking about what was affordable he went away and came back with a figure of £250 a month for the new car. I told him this…
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Help my mother please
I'm from the uk Please can i get some advice. My mom is 60, this is how the story starts. The council pointed her to a landlord, which we rented from for about 2 months, but he didn't pay his morgage off, and had problems so with around 1-2 weeks notice, we were kicked out. Then we were put in a tempoary hotel me and my 4…
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Pay my loan off early
Hi guys I have searched the web over on this topic and come up empty, so posting here in the hope of some advice and success or failure stories before making my decision. In February 2012 I took out a loan for £3500 and now showing £2650 left to pay. I have come into some money so want to pay it off early but obviously get…
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cancelling a payday loan?
is it true that you can take out a payday loan and cancel within 14 days and only need to repay the amount borrowed? what about any interest? does anyone have any experience of this please and why wouldnt lots of people be taking advantage of this? thank you.
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credit report + sole trader debt
I was checking my credit report the other day and to my surprise a corporate credit card supplied by HSBC isn't on there. The card is in my name personally as a sole trader and still active. Does anybody know if there is a reason for this? I presumed since the debt belonged to me personally and not a Ltd company (ie a…
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Nationwide loan reversed, but payment taken!!
After being refused for a loan by Tesco, I went on and applied second time with Nationwide; was accepted, signed an agreement electronically and within a week got a letter saying that the funds have been issued. Waited a week and no money in my account, decided to give them a call and were told that the money has been…
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Letter from Northridge Finance, credit refused - scam?
Morning mse-ers, I wonder if you can help me: my husband has today received a letter from Northridge Finance saying that his recent application for credit has been refused and says the Credit Reference Agency used on his application was Equifax Europe UK Ltd. It says we can obtain a copy of the data held by them and gives…
