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Getting a loan on my mortgage
we bought our house for £115,000 in 2007 and since then it has decreased in value to £100,000 and we have paid £10,000 off it. Can I loan the £10,000 back off the mortgage even though our home value has decreased?
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Help with loan please...
Just applied for alone and have not been successful, the loan was £18,000 and I earn £20,000 a year how much am I allowed to borrow The loan period was for 60 months.... What is a reasonable amount to borrow in my case.... I checked my credit rating and it's excellent.... 980 with experian Thanking you in anticipation!
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HP -can it be paid earlier.
My new partner has a car on HP which is Just straight HP without any balloon payment. She's only just started with it and is happy with the repayment set up, but the interest is high because of her past divorce. Can she make payments which are higher than she has to pay each month, to clear it early? Thanks
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Being Harrassed by The Money Shop since getting a new SIM
I took out a brand new SIM only contract with Orange a couple of months ago. Within days of using my new number, I was receiving calls from The Money Shop saying I owed them money. I have never used the The Money Shop or any company like it. I have explained over and over again that they are clearly after someone else and…
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Tomlin Order
:(:( A Tomlin Order was agreed for £10,000 between Black Horseand myself. This was to be paid in stages and although I made several payments( £7200 ) because I was unable to stick to the repayment schedule theirSolicitors got a CCJ for £10,000 lodged against me. They also sought a charging order on my home for £2,800being…
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WARNING- Pay day loans
Anyone thinking of taking out one of these quick fix loans beware! IT WILL AFFECT YOUR CREDT FILE, I took out one of these loans after paying for a holiday a couple of months ago to tied me over, i payed it completely on the promissed date and thought everything was fine, until i came to remortgage and the high street…
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Legitimate payday loans
Hi guys, Does anyone have a list of legitimate payday loan companies(or simply suggestions),not including Wonga,Paydayexpress,and quickquid ? Most sites on google searches look dodgy or are brokers. Cheers. PS.I know they are evil but needs must just now :)
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credit card or loan?
Hi we go on holiday in 3 weeks and will have to borrow the spending money which we estimate to be around £1000 - 15000. We have a barclaycard which i believe is one of the better ones for spending abroad so will use that for paying and withdrawing cash. My question is about repaying it, at the mo it has £200 on it with a…
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Loan to an ex
I borrowed some money to my ex and he signed an agreement (which I produced) saying he would pay back each month for the next 2 years. However a year into the agreement he has cancelled payments and is ignoring my attempts to contact him. So I have put in a small claim online to Money Claim. He has not responded, so I have…
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Soft loan quotation searches
Apart from Nationwide and Zopa who we have already tried, any other companies do soft loan searches before a full application?
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Tesco loan High apr - should we look elsewhere?
Wife, self employed with excellent credit profile has applied for £10k loan with tescos because she has good and long track record with them. Their headline rate is 6%, After three weeks of too-ing and fro-ing They have offered her 11.5%. Not very happy. Initially tried an application with Nationwide using their "soft…
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documents requested
About 2 years ago me and my wife divorced, during the serperation i found out she had been paying a debt in both our names to robinson way for a debt originally held with hsbc, the debt must have originated over 10 years ago as i havent been with that bank in a long time. I decided to take over the payments because she…
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how soon to apply
I have a santander loan at 11.8% and £13000 outstanding 4 years. I did apply for a lower apr and was accepted for 9.9% but would like better so declined the offer this was 2 months ago. My question is when should i apply again to try to get a better deal without further damaging my credit rateing ????????
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Could I get a loan
Hi Guy's, Newbie here... Just wondering my credit expert file is showing a score of 315, who or where could I get a loan with this score? I am due to get married and need a loan of approx £2000. I work full time, have no defaults or CCJ's and my report shows 1 late payment... Any advice would be much appreciated. Thanks :)
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personal loan agreement
Just looking for advice on Tuesday I spent 45 mins on phone with hsbc to get a personal loan with my partner I was told at the end of conversation my application had been sucessful for loan with apr of 6.2% and to go to my branch to sign paperwork, therefore my husband took afternoon of work yesterday so we could do this…
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Loan v Credit Cx
[FONT=Arial, sans-serif]If poss please a little guidance or verification: Son works f/t (same employer for 3 years) and pay is about £975 net pcm. Same address for last 7 years. [/FONT] [FONT=Arial, sans-serif]Has an o/draft agreed at £1200 which stands at 'overdrawn £1100' and staying static as he is struggling to make…
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LIBOR rate on loans
We have a second mortgage on our house taken out some 7 years ago. In 2007 the provider wrote to me saying our monthly payment was increasing not because of the interest rate (as that was falling) but due to the LIBOR rate and the fact it was costing them more to borrow money. I checked my T&C's and they had infact got…
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Professional and Career Development Loan.
I'm supposed to be starting my masters at the end of Septmeber, and sent of my PCDL application to Barclays a couple of weeks ago. I got a response today saying that my loan application had been denied because "there are restrictions on my stay in the UK". I'm a British citizen, with a British passport. There are no…
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Welcome finance - £69.95 JUST TO APPLY!!!
Hi, Has anyone enquired about a loan with Welcome Finance? I enquired last month, filled in the form on-line, stupidly entered my bank details and then was absolutely bombarded with emails, txts and phone calls from various loan companies. I was contacted by Welcome and i told them i did not want a loan with them, or…
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Loan cancelled - charged a penalty?
Hi, I had a 5-year term loan with Lloyds TSB and, because my circumstances changed, decided to pay it off after a year. This cancellation cost me the additional interest since my last direct debit payment, but an additional £140-ish for the early settlement. I can't see this charge specified anywhere in the agreement,…
