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Quick fix but wow the APR
Needs must I've taken a seven day loan with Pay Day loans for £400. I'll pay them in seven days as agreed and to be honest they are providing me with a service I require. Don't think they should use the APR in any of their adverts though..........11392583.60%
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Efg
Hi, This is my first post. I took out an EFG for £50,000 for my business approximately 30 months ago and now still owe £39,000. I now cannot afford the repayments and the company in whose name the loan was taken out has ceased trading. I have no personal assets apart from my house. Can anyone tell me what my options are?…
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Odd seeming loan offer - advice/help please
Hi I've got a poor credit rating due to lot (£15000) of unsecured debt, almost all credit cards. Due to this and wife only being on probation year as a teacher so her income being ignored i can;t get either a secured or unsecured loan from anywhere. I own house worth £280000 with mortgage of £82000 on it and 2 flats which…
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Consolidation of loans
One of my employees, a single mum of 2 wants to consolidate 3 loans total £19000 into one. She rents her present home and earns about £2.5K per month. Because she's a single mum she can only do this with a guarantor. Is it possible to consolidate her loans without one? She has a good credit rating and never misses a…
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Can't get anything, may as well just default!
So, currently my credit file has the following: Zero missed or late payments, no overlimits etc. Zero defaults, CCJs, etc. Majority of accounts at least 2 years old, barring a 1 year old hire purchase agreement. Same address for 8 years, on electoral role. Live: 5 credit cards, all with small (£1000 and under) limits, all…
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Looking for help/advice on a recent loan application.
Hello all. I recently applied for a loan from Natwest and I'm not sure what all the stuff I've been told means, here's some facts: I graduated in July 2011 and have worked full time since. I defaulted on one account in early 2011 and it was sold to a debt collection agency, since then, I haven't missed a payment in over a…
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'Bad Credit Loans No Brokers'
Anybody heard, used, or come across this company before? https://www.badcreditloansnobrokers.co.uk/ Found them after a quick google search but there seems to be very limited information on them around the internet. They seem to be a part of this group of two or three companies; http://www.ukcreditloans.co.uk/ Obviously…
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Overpaying a loan
I have a personal loan which i am overpaying by £150 per month. My statement just shows the whole loan amount with interest added, then every month the agreed amount deducted and then my over payment deducted aswell. If i overpay, i save some interest, but at the moment the interest saving isnt being shown. When will it be…
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Can't get credit..
Hi. I was wondering if anyone has any ideas on my situation. I cannot seem to get any kind of credit anywhere and it doesn't seem right. I'm 22, I graduated from uni in summer and I've got my first ("proper") job, which I have had for 3 months. I'm earn £20,000, so I have regular income. I have had credit before, although…
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any advice welcome re student loans
I took out student loans in 1995 and 96 at college then 97,98 and 99 whilst at uni I was under 40(just). I am over 50 now and although I have never been financially able to make full payments i have continued to pay a small amount towards them each month. My three earliest loans have been transferred to outsourced company…
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GE Money reposession
??????????????????
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help please!
does anyone know where it is best for me to apply for a loan or credit card up to 1000 pounds? As unfortunately i have been trapped by Wonga and owe them 700 pounds which i want to clear to get back on track again? I have tried applying for a number of credit cards and loans now, so obviously Wonga has messed up my credit…
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Defrauded by an IDIOT!!
Hi there, Looking for some general advice really with regards to a matter. Someone has obtained a personal loan in my name who is now staying at an old address of mine. I was made aware of the situation from an old letting agency. It appears a new tenant now staying there has obtained 500 pounds from a door step loan…
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Appealing loan decision
Hi Ive just applied for a loan from Halifax however I was declined. I have obtained my credit report and its telling me that I would be a suitable candidate for credit. I had a mortgage application accepted by BOS (same company). I was looking for a £7000 for 3 yrs loan in joint names with my husband to pay off a credit…
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I signed a directors guarantee, I wasn't a director. Am I still liable for the debt?
Myself and my ex-partner started a company. He sorted out all the paperwork to register the company as a limited company. He always told me that I was a director along with himself. I have since found out that I was never a director and I have confirmed that with companies house. We took out a loan for the company and…
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Student loan arrears
Hi, Long story but basically while I was at uni I was registered as self employed and when I left uni I went into full time work but I carried on filling in self employed as they kept sending it to me (not sure if I should have been filling this in still). I think at the end of my 2nd year of full time work I was still not…
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HELP! CCJ and PPI
A few years ago I got into financial difficulties and ended up with a lot of debt. I ended up agreeing full and final settlements with most of my creditors, but I still have a CCJ from one bank loan and a DMP from another bank loan. I'm sure I paid PPI on all of the credit I had, but I have none of the original credit…
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Small loan
Hello everyone, I am a EU citizen living in the UK, I am currently working part time and studying. Due to some expenses that I will be facing, I would like to know where I could get a small loan, let's say around £250. I Have an account with Lloyds TSB and I've been living in the UK for just 3 months.
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Turned down for small personal loan despite good credit score
Hi all, I've lurked here for a little while but this is the first time I've felt compelled to make a post. Myself and my partner are getting married next summer, and have both entered full-time work for the first time since we both graduated from University. I've had my job for nearly 6 months and she's had hers for about…
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Firstplus customers - please read
A few members from another forum have been able to obtain a 1% reduction in their apr by saying they want a settlement figure due to the current high interest rates. It didn't work for me but I think alarm bells go off when I call due to the fact i've got several ongoing actions against them. I'll be drafting a seperate…
