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Why is my acceptance potential so low?
Just curious really I might be in the market for a short term 2k loan but a Moneysupermarket Smart Search only threw up 5 potential lenders and only the AA top as being 7/10 likely. I seem to satisfy the main criteria I believe- on elect roll 12 years own home with mortgage No adverse credit history -in fact its virually…
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Directloansuk
Hi, has anyone got anyinformation on directloansuk. I am about to take out a loan through them but have not heard of them and there website is limiting thanks
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RBS and Apex Credit Management
I have a very old loan that I took out out with the RBS years ago. I subsequently defaulted on it around 5 years ago and the loan was passed to Apex Credit Management. Since then I have been making regular payments of £210 a month. The issue I have is that I keep getting companies getting in touch with me asking if I would…
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LTSB Personal Loan - early settlement charge query
My partner and I have a loan each with lloyds that we would like to settle. We've received settlement figures for both loans which are both higher than the balance outstanding. When asking what the difference was they've stated that there are daily interest charges added between last payment date and settlement date and…
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BOS 'Personalised Loan Offer'
I've noticed when logging into my Bank of Scotland online banking I have a 'Personalised Loan Offer' What is the significance of this, does it mean I am pre-approved for a loan? For example it gives figures based on borrowing £16.5k and when I change these it gives me a better interest rate than is advertised. I'm lead to…
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Capquest
Hi guys Not sure I this is in the correct place of not sorry Got home from work today to open a letter from a company Called capquest telling me I owe them £274 on behalf of T-mobile now I do have a phone contract but all bills are up To date and don't owe a penny. Is this just a company trying to Pull a fast one ? Cheers…
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Payday loan & Overdraft.... arent they the same????
So we all know PDL's are bad for your credit file.... but isnt an overdraft simply a revolving payday loan? Its just a cheaper version. think about it.
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refused graduate loan?
Hi i have been refused a graduate loan via natwest as i have a bad credit rating, when i was at uni i had two overdrafts (HSBC,Natwest both student) as i left hsbc od dormant for too long it got put into collections and it took me a few months to pay off. It is all paid off now apart from my natwest od but i still have a…
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Loan Question
I have a loan with one payment left. I have tried to get another loan today and was told i have too much borrowing so they wont lend to me. My question is would the loan companies take into account i only have £225 left on this loan or would they just see the original 9k amount and use that in their scoring? thanks for…
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Not paying back a loan
I've taken out a loan but I am struggling to pay it back. Ive changed my account details and I'm not planning on paying it back anytime soon. Is this eventually going to catch up with me?
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Professional and Career Development Loan and Credit Ratings
Hi, I am due to start a masters course in September and have applied for the full £10,000. My current credit rating is 594- not great! What are the chances of my loan application being approved?
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PPI reclaim on a loan from 10 years ago
OK here goes, this is my first forum post ever! After a couple of sucessful PPI claims on a recent loan and credit card I decided to start a reclaim on an old loan I had with the Halifax. The loan was due to finish in 2006 but was settled early in 2003. I wrote away to Halifax using the template letter from MSE to request…
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MSE News: Dodgy debt firms face being shut down immediately
"Unscrupulous firms risk having their licence revoked with immediate effect..." Read the full story: Dodgy debt firms face being shut down immediately
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What are the right answers??
My partner is trying to get a loan, he's had one before and has a high credit rating (not 'excellent' but well in the 'good' region) but he got rejected by Sainsburys for a loan. When asked about existing debt we put that he has outstanding on his credit card, the app asked if the loan would be used to pay this off - is it…
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Think ive been a bit stupid.......
hi all, im looking for a loan (got quite bad credit) to consolidate all my debts. yesterday, i got a bit carried away and spoke to someone from w w w. bad-credit-loans-4-you. co. uk they did a credit check, and found me a loan for 4000. all i needed to do was give them my bank details, pay 59.99, sign and send off the…
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PPI on Loan
I bought a kitchen in 2003 and the gentleman who came round to measure up and take the order etc insisted that I take out Payment Protection Insurance on the loan. I wrote to the lender about 3 weeks ago to claim back the PPI, but they have written back saying that whilst they provided the finance to me for the PPI, they…
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cheapest loan
Hi, wonder if anyone can help I currently have no overdraft,no credit cards or current loans and 3k in savings and am looking to buy a new kitchen. The quotes I have had look like it will cost around 5k in total. Earnings are 34k and I have no debts (last loan paid off this year with no late payments or defaults. I am…
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Best place to apply for an unsecured loan?
Hello, I am looking to take out a smallish loan of around £3k. my credit rating is ok - no defaults or CCJs. one credit card that is close to its limit but the payments are made each month, one mobile phone contract that is always paid on time. I plan on using the loan to buy a car and pay off my credit card. Should my…
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How to get out of an overdraft?
Apologies if this is not the correct segment in which to write, but I couldn't see any groups on current accounts. My query to you guys is, how do I get my overdraft down? I'm with Nationwide and have a Flex-Account. I am 90-95% living in the overdraft throughout the month. I get paid, am then in black by £100 or so, then…
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Wonga have took 5 different transactions off me all in one day?!
Basically, I'm getting now look from them. I took a loan out with Wonga (regrettably), I missed the promise date, so I made a repayment plan with them, but as soon as I got my wages in my bank account they took 5 transactions without my permission and without my knowledge, when the date we arranged for repayment is no…
