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Loan refused !!!!
I have a v good credit score. However i do have alot of outstanding credit and store cards which i always pay at least the minimum amount. I've decided that although many are on 5.9% , 6.9% for life and some are 0%, I'm jiggling every month remembering when to pay them etc so decided to borrow £15,000 and pay everything…
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Please Help loan
I dont know what to do, i recently had gastric balloon proceedure, paid £2500 card (1000debit, 1500creditcard), £2500 loan on a fixed 0% agreement. had the balloon done (12 month support plus unlimited fills, dietician etc) and had a phone call saying hospital A MONTH after having balloon has gone into admin, they cant…
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Loan Consolidation Problem
I have 4 loans with Barclays totalling up to 33K, I pay around £1027 a month and its quite a lot to pay each month and I am feeling it, Have asked Barclays to re-finance it but they won't untill it reaches £25K, I have never defaulted on anything and pay each month, these are my only debts, I own my own house worth £165K…
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In need of a sample letter to send to debt recovery company.
Hello. Recently one of my bank loans has been moved to a debt recovery agency. Yes my own fault, i'm stupid and I shouldn't have took a loan out in the first place. I am in need now of a sample letter to send to them asking if they would accept a small monthly payment, can anyone advice me? Thank you
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barrowing £3500 loan
I recently purchased a house a frined of mine very kindly helped me with £3500, i want to pay him back asap as he is in need, can you please help me find some decent deal for this amount. i will be happy to get 1 year loan or are there any other options? Thanks
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Guarantor on loan/ DMP question
Hi, hope someone could advise or comment on my/our situation. To cut a long story short me and missus are in debt to the tune of £30K, roughley 15k each. She is just about to enter a dmp (£214 a month) after managing to get part time work worth £500 a month. Previuos to this she was paying each company £1 token payment.She…
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Best way to borrowed money deffered?
Hi all I am wondering what are the best ways to borrow money deffered i.e. get cash now pay back later 6 months to a year? I need urgent cash to get representation for custody hearings related to my children. It does not look like I will qualify for legal aid or whatever its called now. I know there are deffered loans, is…
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QuickQuid Taking money from my account unlawfully
Hello All, I'm new to this site to please go easy on me :j I had a loan with quickquid (Well I still do) and I paid £400 off it and applied for an extension to clear the remainder of the loan next month, all went through ok and looked good. However on the 31st October, I noticed that £132.32 was pending on my account and…
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Which online borkers don't just direct you to more borkers or payday loans?
I wouldn't have thought my credit rating was too bad, but apparently it is. I've no CCJs IVAs or defaults, no late payments of more than a month, four credit cards all being paid regularly for a couple of years, but they are maxed out (low limtis though). I am self-employed which doesn't help, and I don't own my own house.…
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19.9% APR Loan from Abbey/Santander
Hey All, I took a loan out in 19 November 2007 for £10,000 over 96 months. They accepted but because it was an unsecured loan and the APR was 19.9% (the interest rate is 18.2866%.) I have read that this is too high and is not acceptable any more, but this is still the APR I am paying. What I would like to know is what I…
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Loan company took fee without consent?
My partner applied for a loan with a company TFF this evening, they asked for usual bank details and then for his debit card details to take 50p then refund to verify the details were correct. We checked his bank and they have taken £69.95, we phoned to complain and they said it was in the terms and conditions that this is…
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Lloyds TSB charges
Hi all, Back in 2009 I was worried about being overdrawn. I had a direct debit due to go out of my account and I didn't have the money to cover it. I went to the bank and explained the situation. I was told that the direct debit was due to go out on the weekend so I would have until the end of the day on Monday to pay it.…
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Getting a loan to pay existing loan?
Hi everyone looking for a bit of advice, I've got a loan with natwest at present which was £12500 at 18.9apr which still has £10000 remaining or £7712 if I settle it now. Now natwest has offered me another loan and they've dropped there apr to 5.9% so if I get £7712 I will only have to pay £8000 back. I have 34months left…
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wescot chasing me for old loan....
ok, here is the story, it involves some stupidity on my part. Just a warning. about 4 years ago, my ex took a loan for 10k out in my name at llyods tsb (ive no idea how as i thought you needed a signature to get a loan of that amount?) . she told me her dad had put that sum of money in my account and it was for her so i…
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Advice on getting a lower rate
Hi all, Ive just applied for a loan and got it. The bank approached me in the branch. I would normally just refused but as I had some credit cards I thought I may as well. Ive recently had 0% offers on my existing cards so have been moving balances around and I have a good chunk on 6.2% for the life of the balance. So they…
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Credit History
Hi We are returning to the UK after 5 years in Australia. Just wondered if anyone had any hints on how to build up our credit history quickly. We maintained a UK bank account which we have used to facilitate direct debits and standing orders, transferring cash regularly. Our credit history was good when we left. I am just…
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Loan knock back
I recently applied for a loan by from my bank and when they tried to put application through the computer said i wasn't eligible to apply for loan.Both me and the advisor were puzzled and a few days later she said it was because i had zero external credit rating. A brief history...i have one loan with the bank that i took…
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Business loan - guarantor
My husband took out two business loans and I signed the joint guarantee. He then took out another loan with out my knowledge. The company has gone under and Ive just received papers from the bank for the three loans. As guarantor for the company loans should I not have been told a/by my husband (dont say it I know what…
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Taking a loan here to repay a loan abroad?
I've been living in the UK for 2 years and I - think - have a good credit report: 1 CC still at 0% with a 3k credit limit and 2.5k used which I'm now regularly paying around £250 a month in, never missed any payment, OD open to 4k on my bank account (I had 7 days in which I was 1.5k OD as I paid deposit to my new rented…
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Interest rates greater than expected?
Hello, I took out a Natwest Personal Loan of £8000 with a total repayable amount of £9642.96 at 20.3 APR. My monthly interest should be around £68 but it seems to be double this and getting larger despite regular repayments. For instance, last month I payed off my £400~ and had interest of £114~. This month I have payed…
