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Getting a loan
Hello I wonder if someone can help me. I've been looking to get a loan from my bank Barclays, £25000 over 5 years to pay off the rest of my car finance and to get rid of a credit card. I looked on there website and it says 6.7% apr and to log in and apply. I have been a customer for over 10 years and only taken a £1000…
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Post 1998 Student Loan Statute Barred?
Hi, I can't seem to find a definitive answer at all on whether or not post 1998 student loans can be statue barred? I took my loan in 1998 and moved abroad on graduation. I let them know by phone my new address in 2002 and 2004 but never received any papers. 8 Years later I have a debt collector chasing the debt. Can I…
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Transferring Dutch debt to Scotland
Hi there, I wonder if anyone can help with this one - My partner is from The Netherlands and owns a house there. She has been in Scotland for 3 years and, due to her tenants moving out over there she has a mounting debt (€15,000) and now they are moving to seize her home. She has just graduated and finally found…
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will i be accepted for this....
I applied for a loan of £9k to pay off my credit cards over 5 years with tesco yesterday (no decision yet). I have a job that I have been in for over 6 years and earn £27k. The £9k is my only debt, although on 3 credit cards. I rent a property with my partner but also have been placed on my parents mortgage deed in order…
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How is loan eligibilty calculated?
How is loan eligibility calculated? As a test I went on Sainsbury's website and entered income: £900 per month (10.8K per year), mortgage: £300 per month, loan: £200 per month (10K over 5 years), and it says "sorry, declined". How can I work out what will give a "yes" answer?
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has anyone heard of or used Clear Account before?
Ok so i need a bit of money for xmas, i know its high apr etc but it seems a lot better than a payday loan as you dont pay it all back in one go, however youbhave to give your internet banking details which i feel a bit anxious to do. Are they a legit company?
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default on credit file
Hello everyone, I had a secured loan with Nemo which i took out in 2004, after a few years I got into difficulty due to my partners jobs and fell behind. The account went into default in April 2007. After the sale of the house there was quite a large shortfall but I have maintained token payments for the last 2 years. When…
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Experian question
Hi, I would like to apply for an experian report for the first time. I had a credit check in August (Letting agent) as I was moving, will me getting an experian cause my credit rating to drop?
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Loan Repayment
Hiya,can anyone advise me please? I have just finished paying a 5 year loan.I had to ring them when the last payment came out of my bank,as they had taken nearly double as the FINAL PAYMENT, which i wasnt aware of..causing me to go into my overdraft,incurring a charge for that.I cancelled the payment..Then rang complaining…
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moneybarn car finance
ok, long story but i will try to cover all key points. in january we bought a car using moneybarn as the finance provider, at 290 for 48 months. i know moneybarn are subprime and the apr is 44% which is eyewateringly high but at the time was the only finance option. i know we could have got a cheaper car etc etc but at the…
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Spend Savings v Taking a Loan
Hi, i have £1k in savings and am going go on holiday, I need £800's. is it better to spend saving of take a loan out against the savings? Regards
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wonga.best way to proceed
Hi All. can anyone advise me of the best way to act it. I have got myself in trouble with a wonga payday loan. i now cant get myself straight and im not sure what to do,i seem to be having less and less to live on. i originally took a small loan out from them and every month it seemed to get bigger and bigger..this was not…
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Payday loan debt
Hi I got myself in to a mess with payday loans a while a go and one of them (Cash Genie) passed it over to a collecter (Carter Forbes). I came to an arrangement with Carter Forbes to repay £10 per month on the 28th of each month which had been working really well up until now. I recieved a call from my bank to say they had…
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Loan agreed in principle
Hi My DH and I have applied to our bank for a loan. it's to consolidate credit cards etc. was honest and upfront about everything. The lady I spoke had full access to our current account and all payments in and out. She said the loan was agreed in principle and I would get the documents emailed through to me within 2…
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MSE News: Payday loan reform latest: Will charges be capped?
"Labour is claiming victory in its crusade to cap the cost of payday loans..." Read the full story: Payday loan reform latest: Will charges be capped?
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51% at advertised rate
Afternoon, Do lenders tell you if you get the advertised rate before or after they do a credit search (this 51% of our customers get accepted at this rate) ie something along the lines of "if youve been truthful in your application and this is reflected on credit search then you get XX apr" or do they do a full search and…
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Logbook loan
Being desperate we decided to look at a logbook loan to sort out a temporary problem. I discussed the loan on the phone and the person at the other end suggested that we could have 8 weeks' without paying, by receiving less than the full amount of the loan, so borrow £1000, receive £900 and start paying 8 weeks later. The…
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Alan Sugar blasts the payday loan companies
http://www.mirror.co.uk/money/personal-finance/lord-sugar-blasts-legal-loan-1460508 Good for him. And he's right that those ridiculous gran and grandad puppets DO give these loan sharks a 'softer' image, and they try to make it humorous and endearing to get into deep debt with a loan with extortionate rates.
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Anybody heard of this place for car finance?
Hey all, Just wondering if anybody has heard or dealt with Credit Car Sales Ltd? I looked for reviews or any information on google but all the results point to their website. They seem to own their own vehicles and offer a kind of lease to buy option without credit checks and also offer the option to buy you in a vehicle.…
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Borrow £80000 to fince new truck
Hi All, I am a small(3 employees) ltd company. I want to borrow an unsecured loan of £80000 over 48/60 months to replace a vehicle. The capital cost is £96000 plus VAT, the company has savings to pay the VAT(£19000) & a deposit of between 15-20000. We are able to get aloan from Renault Trucks Finance, I was just wondering…