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Credit Rating Query
Apologies if this is in the wrong section. I have just used Equifax to check my credit rating and I have a query regarding the Electoral Roll report. Firstly it says I have a caution due to an issue with the electoral roll, as below. I then go into that sub-section to view the details and then it says I AM on the electoral…
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Unable to pay joint Loan
Hi there, I was wondering if anyone could help answer a couple of questions i have and thank you in advance for any help. I have a joint loan with my wife which she was paying till may this year. Since then due to finacial changes she paid them £1 token payment each month. Now she is due to start a dmp as her circumstances…
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Using loan money for changed purpose
Lets say you get a loan for a car or a home improvement but after you get it, you don't fancy that car any more, or you don't fancy that conservatory anymore, you'd rather buy a car etc etc Do you have to ask the banks permission to spend it elsewhere, this is on the basis that the loan isn't secured against anything. I'm…
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need a new car but still £7000 outstanding on current
hi im hoping someone will be able to help me out. whilst serving in Germany my husband bought a tax free car, as most do when they are out there. it was was a brand new ford fiesta 3 door. there is still £7000 in finance outstanding but we really need a bigger car as we have to children and its increasingly more difficult…
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is it worth trying to get a better rate?
Me and my husband applied for 3 loans this evening to consolidate our credit cards. Applied for 7900 with Tesco, hoping for the 5.7% he was accepted but at 9.9% apr :( So then tried Derbyshire building society for the 5.6% and was offered 7.9% slightly better but still to much. Lastly tried sainsburys at 5.7% and they are…
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How best to get a loan poor credit rating
Hi, I'm fully aware that my credit rating isn't great, my callcredit says poor and my experia says that it is ok. I cannot seem to get a loan when, in the past, I have applied for some via the internet. My question is, is it best to go in to my bank & ask for a loan? Will it give me any more chance of being accepted than…
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Car Insurance Searches
Hi I checked my credit report on 4Nov and it showed as good. Now 3 days later no changes to my accounts or address since that date and it shows as fair dropped by nearly 100 points!! Only difference is some insurance searches. My car insurance is due at end of month so needed to get quotes. I got the quotes via both…
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Have I Got Too Much Credit?
I'm wanting some advice please? I'm looking to buy myself a new car next summer. This will be on 0% finance (hopefully). We're currently paying off CC's and loans, hence why i'm waiting til next year. We've paid off £3k this month, so it's going well. Anyway, I have the following: Barclaycard with £3,000 limit BOS CC with…
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Barclays loan £12,000 with just E-signature and no ID!
My husband and I separated in May and he is not living somewhere else with his other woman. As well as a legacy of unpaid bills I recently found out that a bank loan he took out with Barclays has been taken out solely in my name! He used my on-line banking details to log on and apply for a £12,000 loan (probably using his…
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Which was to turn?
I'm not sure the best way forward here. Most of the oustanding debt is personal loan to fund a business rather than spending. Although We have taken serious measures to reduce our personal spending. (Although I can and need to be tighter!) We currently have outstanding debt of £23k. 10k on a halifax credit card which is…
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Wescot
Can anyone advise please. I check my credit rating quite regularly. A few months ago my credit rating dropped because a company called Wescot filed a ccj against me. I phoned them straight away and they said they are chasing a credit card debt. I stated it was not my debt, never had that brand of credit card and they said…
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Amigo
Just got a loan agreement form through from these lovely people for £1000 (the last few emails they told me they had agreed £5000 but hey ho) with an agreement for my guarantor to sign. Guarantor must be a homeowner and has to accept that the loan still has to be paid even if I die. Love it!
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New loan
Hi, I bank with santander and applied for a loan of 10k last friday. The loan was accepted but due to a delay and some poor customer service where I was given wrong information I have to wait for the money a week later than originally promised. This poor service is the last straw and I want to leave the bank for good. Can…
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Looking to get a loan but ...
Hi I'm looking to get a loan to pay off my cc and some other bills and etc but I don't have a secured job at the moment. I will be however stating my job next week which is on self employed basis and I will only get paid on commission. What are my chances of getting around £3k from my bank? My credit history is good
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Cars, loans and PCPs
Hi there, long time listener first time called and in desperate need of some advice. I apologise in advance for warbling a bit, but I do want to make my position clear. I'm looking to get rid of my current rust bucket and for the first time in my life do the right thing, get a nearly new low milage efficient car to save on…
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Need to borrow £750 but don't start new job for a week?
I need to borrow about £750 to see me through until the end of December. The problem is I have been unemployed since the end of August and don't start my new job until 12th November. I have an overdraft of £1000 (at the maximum) and the bank wont help me any further obviously because I am currently still unemployed. My…
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Wonga and Identity Theft?
Hi guys, I really hope someone here can help as I'm stuck as to what to do here. My mum got a letter for me from Wonga at her address a few days ago. I haven't lived there in almost two years, and all my bank accounts are registered at my new address and have been for a long time. I did lose my purse around a month ago,…
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CDL Help Please (Student)
Hello Money Saving Experts; Little bit of background for you: I'm 21. Just graduated a few months ago and I'm now doing a masters course. The course fees are all payed for and so is accommodation for the year. Its a Biomedical Engineering course so paying loans off after graduation shouldn't be a problem. The part time job…
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Loans with good credit
Little background about myself. 25 Live with parents same address for 10 yrs Have been self employed since 17 yrs old Profit has varied and grown over the years around £12,000 when I was younger and eventually between £18,000 and £26,000 in the last few years of being self employed. Now in full time employment for 3…
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finance interest calculation
i got a old credit agreement from a motobike i purchased in 2000 and cant seem to understand how they have come to the interest amount. As follows total £2000 ppi £333.91 + interest £595 apr 17.9% the loan was over 36 mths at 81.36 a mth :question:
