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Employed, £1ooo+ a month, and need personal loan
I need a £3000 personal loan My salary is a bit more than £1k monthly paid to my bank hsbc I graduated in Nov 2010 Got refused by hsbc as I ve just been employed 3 months ago They said they need to see regular money coming in... Missed a £400 payment to wonga in April 2012 as I was not employed and my credit score isn't…
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Wonga DPA Breach
Hi Please don't issue a lecture - I am well aware how stupid I have been- but I have put things right , now, after reading the great advice on the boards from you guys. I just needed a rant ! Background I have been a Wonga customer for approximately a year - caught in the PDL trap, rolling over, paying off , then…
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Santander - Cahoot Flexible Loans
I wondered if anybody out there still had a Cahoot Flexible Loan? I took one out back in 2004 and am still paying it back today after they decided to 'call in' the loan back in 2009. Would be interested to hear if anyone out there still has an 'active' loan with them?
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Pdl- wonga repayment plan
Hello, I took a pdl with wonga a few times in the past and have always paid in full each time ( didn't want to roll it over the next month to avoid extra charges). I've just taken a new loan with them but my situation has changed and I can't really afford to repay them the full amount- I owe them £1,034 (£800 loan…
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Car Finance Bill of Sale Query
Good Afternoon. My partner and I have Car finance with a company called CLS Finance. We have been paying this religously since last year when we took this out, however, I made a mistake on our internet banking which resulted in missing 2 payments. Since then this company have been making our lives a nightmare. I wrote to…
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Car loan question
A friend of mines asked me to post on here for advice, they had car finance taken out with Cavendish Finance, they emailed them to say they would be losing there job in a couple of months and asked for help, all they came back with was either voluntary termination on paying an amount to get out of agreement or final…
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Bank Loan Error?
We opened a brand new bank account last month. We have not yet arranged for salary's to be paid in. We do not have a fantastic credit history ( understatement) . More out of desperation than anything, we applied on line for a loan and received an Agreement in Principle. We didnt really expect to hear anything back, as we…
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Settling a loan
Okay please be gentle, I am not great with money matters but am trying to get things in order together with my OH (who equally doesn't have a clue!) He currently has a loan to settle today would be 11,856 to carry to term is going to cost 16,210 interest between now and dec 16 is 4,353 Does it depend on apr etc if we are…
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Loan to cover shortfall On joint mortgage
Hey. This is my first post, sorry if I'm in the wrong place. About 4 and a half years ago me and my partner at that time split up. I was left paying the joint mortgage to a house neither of us live In on top of other bills. Fast forward to present day i can no longer keep paying for the house i js dont have the money to…
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I dont understand the wording on the small print of a fixed loan sum agreement.
Hi, Without wanting to sound really stupid I was wondering if anyone could explain something written in a Barclays Partner finance loan agreement (not signed yet). "The interest rate on your account is variable and we may change it at any time.....However we will not increase the interest rate to a rate exceeding that…
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Bank fraud
Dear sirs, On the 30th April, Fraud was commited on by Santander Current account. I was only aware of the fraud when they texted me asking me to contact them urgently. When I did they read out a number of of transactions and asked me if i recognised them. I didnt and a stop was put on my account. Among the Transactions was…
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payday express
just had a frustrating experience. Bank statement revealed an unauthorised payment (£60ish) attributed to payday express. Called bank they said i needed to speak to the company as it could be some admin fee clause (that they often have). As background i have never had an account with them nor even enquired, however i did…
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Wonga threat?
Ok this may sound strange but it actually is. Im friends with this police officer i don't actually know him personally but i know him from a friends friend.., and today i just got a text off him saying a bailiff has rang the station asking for a warrant to enter my home tomorrow at 9AM/PM! which is for wonga, don't get me…
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Loan overpayments
Hi, Anyone tried overpaying loans how easy have you found it for them to update the interest properly? I consolodated my debt Nov 2011 so that it was covered by The Consumer Credit (EU Directive) Regulations 2010. My loan is with Halifax and their website is very vague "If you let us know before you make an overpayment…
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Loan agreement needed?
I am planning to take out a 0% card to pay off the card debts of a member of family, who is stuck on high card rates without a decent credit rating to change it. I have also lent the same member of family a few smaller sums of money. In total the debt will be around £10k. What do I need in terms of a loan agreement in…
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Payday Loans taken money from alternative bank account.
Good morning, I've taken a look through the forum but couldn't find anything that matched my problem so thought i'd get some information. I checked my bank account yesterday and £973 had been withdrawn by CahGenie who i had a payday loan with previously. I admit that i found it difficult to pay this amount before as it had…
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Sainsburys underwriter loses the plot
My ex husband walked out 3 yrs ago leaving me to pay a hefty joint loan on my own. The payments per month are £298. per month. I have just received a court order with a financial settlement of me paying the rest of the loan off in exchange for the family home. I must get his name off the Sainsburys loan within 28 days…
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Co Operative loan issue
Hi, I have banked with the co op for 5 yrs now with no issues. I applied for a 2k loan a couple of days ago and was refused which was no surprise as they are stupidly hard to get money out of. I was told it was experians results as to why I was refused, I have been onto credit expert tonight and my score is 913 out of 999.…
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NatWest personal loan offer
When logging in to my online banking I have a little box concerning loans. When I click on it I have a figure of £5000 over 36 months displayed at 21.9% with a message..GREAT NEWS, based on account history there is a very good chance we can lend to you. Money can be in my account by 9am next day etc subject to not applying…
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blackhorse finance help....
took out car finance of £13000 1 year ago and unfortunately due to work cutting my hours and a total wipe out of overtime my finances have dropped severly. i wrote to blackhorse in may, explaining the situation and requested that they come collect the car and i would pay any remaining moneys owed after the auction of the…
