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Bank \Loan
I took out a bank loan for £20000 in 2008. The loan had already been agreed with the manager and I called in to do the paperwork (the money went in the bank on the same day) During the "interview" I was asked what I would do if I was diagnosed with cancer as my wife had been the year before. I came away with not only ppi…
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Best Way to repay a loan
Last August a friend took out a loan to buy a caravan. The cost of the van after the deposit was paid was £3295 with payments of 1 at £145, 48 at £93.53 plus a finishing payment of £238.53 which appears to be the last payment of the agreement with another £145 lumped on top for borrowing the money. She financed the £3295…
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Loan and credit rating advice please....
Hi, My wife and I have completely joint finances, credit cards, bank account etc. We are getting her a car very soon that will require some finance but not much and I am currently on gardening leave in between jobs so will be losing my company car and therefore needing to finance in some way a car of my own. When it comes…
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Secured loan help
My wife and I need to find a secured loan expert to give us some advice on the legality of our secured loan. We have already had some advice from a financial solicitor, free from my wife's union, who described the situation as "very complex". She advised us to speak to a financial advisor but as yet we can't find one who…
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Underpaid loan but no one knows (still)
Hi all I have taken out a personal loan with lloyds tsb in jan 09 Amount: 9500 Term: 60 months APR: 15.2 Annual interest rate: 14.23 It states total repayment is 13332 @ 222.20/month x 60 Initially I took out PPI but after 1 week have cancelled by writing a letter to the bank. Subsequently the monthly repayment has reduced…
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Getting a loan abroad and living in the UK
Hello. I was wondering, if someone can answer my question please? Will taking a loan abroad (EU) have an affect on my credit history in the UK? The monthly payments won't come out of my UK account but the foreign one. Yet, the loan will be granted based on my earnings in England. Thank you kindly for your help.
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Getting a Loan for a UK Student at a Spainsh Uni
Hi All, I am looking to go to Uni at a Chiropractic College over in Spain becuase of the high quality of the course but as far as I can see there are no real government grants/loans available. As the course is over 5 years, I have done a budget and can get £50k of the money but I will potentially have to borrow another…
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releasing equity
hi can anyone offer advice. i have a commercial property that is paid off. i want to release some equity from it but when i call all the banks they say they dont offer this service. can anyone offer some advice as to what other channels i can take to release some money. thanks
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Paying Back a Student loan from abroad
Good Morning, I have tried to find out about paying back a lump sum of a student loan from abroad and I cant really find any answers. I work abroad and whilst I still have a direct debit from the UK, very little money is now entering this account and I just want to clear my debt now that I can. I would be looking to pay…
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MSE News: Payday loans code of practice takes effect
"Four trade associations, representing over 90% of the payday loan industry, have revised their codes of practice..." Read the full story: Payday loans code of practice takes effect
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priority debt list
this may of been done before,if so i am sorry for re posting the thread when you have creditors chasing you for debts,what is the order you should pay them, ie mortgage number 1 etc
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Help with cygnet finance
Hi all, New to this but really need some help, in 2010 I got a car on bill of sale from cygnet finance (wish I never) yesterday I got the car stuck in a country lane In the floods and car is now a write off as it has water in engine, insurance company towed me home but said I can't claim on insurance, so I have a car on…
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Private Student Loans??
Hi, I originally posted on the student board but I thought I might have more luck here so I hope that's ok! I've applied to study graduate medicine next year and the funding is pretty good for that, however I've also applied for undergraduate medicine too as I should have a higher chance of getting in. Unfortunately there…
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Some advice on 2 loans that i currently have
Hi All I'm new to moneysavingexpert :) and just looking for some advice. What i need advice on is i have 2 personal loans with HBOS. I am wondering would the bank allow me to amalgamate the loan into one over a 7 year period so i am only paying one payment? If anyone has any other suggestions please fire them at us. Thanks…
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HSBC - managed loan - ombudsman
Hi again :) ) i posted a few months ago regarding my managed loan - the case is now with the ombudsman - I'm wondering what my chances will be/ if anyone has had similar experiences? Here is my complaint in full: In June of this year I contacted HSBC via telephone, asking for a copy of my loan agreement. A few weeks later…
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Advice on loan
I've recently applied for a loan at my bank HSBC, got accepted for 5000 BUT then I cancelled which was a daft thing to do & needed an extra 1000. What I'm asking is now I've been declined are there any other lenders which have reasonable APR rates I could use? It says I have a poor credit history even though I've just…
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Wonga .....
I currently have a loan with Wonga, total £800. Im currently paying Wonga on a monthly basis but unfortunately having to re-borrow straight away to pay my other bills. I've spoke to Wonga via email and explained my situation and have said I can no longer afford to keep re-borrowing and paying the interest per month, I…
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Santander refusing to close my account as I have a balance of 2p!!!!
I have just got to share this as it is one of those situations that has mad me mad on one hand but unable to stop myself from laughing on the other. I was recently checking my credit report and realised that a loan I had with Santander was still showing as open on my credit file. So today I called them and asked them why…
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Help needed with Credit Rating Report
Not sure if this is the right thread to ask this question or not but here goes. I have recently applied for finance on a car which was declined I checked my credit rating with experian and currently have good (939 from 999). I noticed on my file that I currently have a red mark against my name claiming that I defaulted on…
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Need mortgage and moving advice
Please can someone help me? I currently own a 2 bed 2 bath apartment worth £127,000. Due to changes in my circumstances, a growing family, I shall like to move to a 3 bedroom house maybe worth £140,000 to £160,000. Due to the adverse market conditions, there is no equity in the property. My mortgage outgoings is about £800…
