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Loan application
Hello, I am just after some advice, I know no one can say for certain but past experience may help. I am am a home owner with no mortgage (paid off) I am looking for a 13K loan over 5 years for renovations. I earn 14K and owe roughly £400 on credit cards which I pay off monthly. My credit report show's 1 missed payment on…
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Small mortgage or large loan
Hi everyone. New here so hope we can both help each other. I need to raise 65k I can manage deposit of 20% maybe 25% its to buy a small flat. I was also thinking of a loan I really want to pay off as soon as possible so whatever the quickest route. Anyone help me out. Regards Poppy
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Moneysupermarket loan quotes and Equifax
Hi I've spent a good few weeks sorting out my credit files, and they're all looking as good as they ever have (previously been in an IVA and the knock-on effects of that...) Equifax in particular is now showing green on screen for all areas (even though they only give me a 'good' score which is a bit of a head scratcher,…
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HP Application - Wait for electoral roll update?
Hi, Just been told it will take me a couple of weeks to get my electoral roll data updated with Equifax and Experian. I'm hoping to get HP finance from Black Horse Caravan Financing, and currently have an Equifax score of 523. I have half a few credit arrangements logged against my current address, and I am in full time…
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Lending to non-UK Citizens
Hi All - I'm new here but I've been reading the threads for a while and find them all very useful so I hope you can help with this My boyfriend and I are both Irish and have been living here almost exactly 2 years. Both in our early 30's, full time employed - me in the same position since I got here and himself in the…
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Business Loan - A silly Question...
hi, Okay, so this may sound like a stupid question but... I am looking at buying my first business (scary stuff0 and the cost of this is a very manageable £35,000. The business already exists and has a turnover of around £180k per annumm with huge room for growth. the problem I have is I have limited funds available as…
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Loans and credit rating!!!!
Hi there, Some advice please if you can!? I have had a bad credit rating in the past and have been working very hard to get it back on track (I have a score of 951 with experian which apparently falls into the 'good' bracket. I have one default left on my account which falls off next year but unfortunately it is in the red…
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Paying Natwest Loan off early!
Hi, I am getting debt free with the help of my bosses, but i would like to know some info on paying my natwest loan. The loan shows up on my online banking with an amount of £1,572. Will i have to pay more than what is stated or does the amount include the interest. I think this makes sense! Cheers Joe
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Not sure who I paid back
Hi all, I took out 3 payday loans last month to get me through til I received my IVA through, they were wagedayadvance, 247moneybox and minicredit. Wagedayadvance advance has been paid for sure, but there was a transaction from someone called www therich,mond and have no clue who this is! Does anybody know, searched online…
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No Default date
Hi, hello, I'm new and in a bit of debt. I stopped making payments on a loan in 2009 for a loan taken out in 2007. On my credit report however there is no default date. It just says 'Status: In Arrears' The company is Welcome Finance and I have heard nothing from them for a long time. Will that debt stay on my record…
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On DLA Benefit but have savings can I get a car 0% deal
Hi all, I need some advice. I haven't been able to work for the past 5 years due to ill health and receive DLA and Invalidity Benefit. I'm in my early 50's My wife works part time grossing just £100 per week. We have 1 son 12 yr old. We have zero debt and own our own house without a mortgage valued now at a market price of…
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Wonga loan help please
Hi all, My Brother took out a Wonga loan a few months back and added top ups to this amount quite a few times. He had just been made redundant at the time and the loan was approved while he was receiving job seekers allowance. He got into difficulty making the re payments and a huge amount of interest and charges were…
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Credit file error misery - please help!
Hello.... New to this site but desperately need help! My husband recently applied for a car loan and we were quite surprised that he was declined... He has never had any late payments etc. We got a copy of his Experian report and realised that Santander our mortgage provider have listed us with incorrect dates of birth…
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Student Loans New Charge?!
I recently checked my student loan statement & two years after I left uni another tuition charge of over £1000 was added to my account? Can they do this? Shall I write & complain. I have no idea if they were due that or not. Any help Please?
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Amigo
Please don't judge me I made some mistakes after I finished uni with credit and stuff and it was my problems but my family wants to see me pay off this loan as basically they have the control of it, I know £1500 is not a massive amount that is why they agreed to do it, so rather than pay a fee for a bank account each month…
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Credit Report Errors? - Multiple Duplicate Entries
Hi all, first time poster, so please be nice! :-) I recently acquired my full credit report from experian.co.uk as i'm looking to buy a house and wanted to make sure everything was a hunky dory as I thought it was. However, on receiving my credit report I was shocked by the amount of outstanding credit it told me I had.…
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PPI repayment
Hi guys This is my first time posting & am just after a bit of advice. I filled in your PPI claim form & sent it to my loan issuer (HSBC). This morning, a lovely letter arrived telling me i'd be recieving just over £6k back! Firstly, THANK YOU to everyone involved here. THANK YOU!!! One thing that was mentioned in the…
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Personal Loan frustration
Hi all, I am sure you have heard similar problems before but I just don't know what the best course of action to do is... I am trying to apply for a personal loan but seem to get rejected every time despite not having a bad credit file. My Experian credit report score is 869 (Fair), no evident problems on either Experian,…
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Simple Interest Personal Loan
Hi, I have a new personal loan with HSBC and I have tried endless times to have them explain to me how the interest is calculated on my loan because it just doesn't add up. The only reply I seem to keep on receiving is "simple interest has been added to your loan" even when I ask them to tell me the formula, they don't.…
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Loan Help Declined
Hi, I done a soft search with rate setter and received the following back: Unfortunately we cannot offer you a loan at this time. This is partly because we have been unable to identify you – this is a problem you may face elsewhere and so the best thing to do might be to check your credit file to understand why this is…
