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Ridiculous Loan
Hi My father-in-law past away a number of weeks ago and left me and his daughter as executors of his estate. As part of his finances there was an outstanding Barclays Loan for £2900. After being chased constantly by Barclays Finance, we received documentation on the loan and the details were scary Initial Loan Amount -…
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Help!
I recently applied for a loan with a company called Nationwide Loans 4 u. I do not have bad credit but I don't have a lot of credit history so it's hard for me to get credit but this company said no problem we can sort you out with a loan just pay us £49.99 and we'll go from there, I was obviously worried why they needed…
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Help - received a Wonga letter but don't have a loan
Hello, I hope someone here can help us - we have a weird problem: 1 week or so ago we received a letter to our home address but in the name of a woman (Ms KH) who doesn't live here, and certainly hasn't for at least 10 years (while we've owned the house) and a couple of years before that (we knew the previous owners).…
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Car hp but registered in someone else's name
Hi, I am hoping someone can help with my dilemma! Due to poor credit my mum financed my car credit, After 2 and a half years the massive increase in petrol etc i have decided to hand the car back as I was informed at the time of purchase by the salesman I could do this legally and start afresh. I remember at the time he…
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Consolidating a car hp and 2 loans into one, advice?
Hi all i have just taken a new job on, and am looking to re finance my loans all into one bundle on an unsecured basis i have poor credit history (i might add this for the last 5 years has been superb but is due to issues before that) i have loans in the region of 12000 which include car finance at 6000 to pay off if i pay…
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Low repayment loans?
Hi just wondering if anyone knows if a loan company which offers lower monthly repayments. I currently have a loan of about 6k which i pay 165 a month for but have now run up my overdraft and card to about 4k soo looking at hopefully putting it on to one loan and would like monthly repayments to be about 100. I know it…
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nationwide quote, likelihood accepted, consequences if declined?
Hey all Its been a tough few years financially (partner sick, then -out of work for last 18 months) and in the last 4 years ive racked up a little debt I have a close to max cc (3.2k) which i pay 80 a month on I have 3.8k left on a 6k loan (203 a month) And i use my 1600 O/D every month.. i pay 20 a month for that I may…
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Car finance - circumstances have changed
Hi everyone, I have seen a recent post similar to mine, but mine is slightly different. About 7 weeks ago I bought a Mitsubishi lancer ralliart, from Arnold Clark. The car was priced at 10,995. I managed to buy it for 10,495, traded my old 5 series against it for 1400 and paid a 200 deposit. The car was really appealing.…
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Dundee Council Bans Payday Sites
Dundee Council has started blocking payday company sites from its computers including libraries and community centres. http://www.scotsman.com/news/scottish-news/top-stories/dundee-launches-offensive-over-internet-pay-day-loan-companies-1-2699430 What do you think, good idea or nanny state ?
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Change of address
Hi, ill keep this short. I moved into a new property in August, my bank account address is still at my parents which is where I would like to keep it tbh. I would like a 3.5k loan and im guessing im going to have to get the address changed to where I'm living rather than my parents. Will me being here 4 months have a…
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Student loan passed to collections agency
Hello all, In 2008/2009 I completed a full year at university but decided to switch to another and restarted my first year again. I filled out a form withdrawing and moved to my new one, completing this course in summer just gone. I had a letter over the summer of 2009 claiming I had been overpaid by £630 (grant…
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What do i do about my unsecured loan?
Hi, I need help with a question re an unsecured loan i took out with HSBC a number of years ago. While i was living in the UK i was paying my loan, I have now returned to live in ireland, where i am from, and have struggled to find work. I've missed payments and tried my best to send money back to my uk loan. I now have…
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Car Loan, pcp or hp
Hi all, what is the best way to finanace a car? We have around £4k equity in our car and change it every 9-12 mnths. The dealer wants us to take out a pcp contract where we can take that equity out of the car and put it in a savings account. I have always been wary of pcp contracts as I think they tie you in, what have…
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MSE News: OFT 'needs more resources' to police credit firms
"The Office of Fair Trading doesn't have the tools to regulate the consumer credit market effectively, a report says..." Read the full story: OFT 'needs more resources' to police credit firms
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Adult Depenents Grant
Hi guys, I have been studying for over 2 years now, and last year when i applied for student finance, they gave me ADG ontop of the maintenance grant. I thought nothing of it, as i didn't apply for it, they said i could be eligible. So knowing grants you don't have to repay, i said yes (plus we needed the money). Anyway,…
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Nationwide loan query - Agreed in principle?
Applied Sunday. Agreed in principle. Signed online (existing FlexAccount holder). Any ideas on turnaround time to complete? Also, any nasties to be aware of? Do they decline at this point? Thanks :)
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Need a little advice!
Hi there, I'm looking for some advice! I'm currently in the process of purchasing property with my partner, we have our deposit, and have been approved by a lender, and mortgage application should be complete by Friday, however can I take out a personal loan at this time or could this affect the money being transferred as…
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Loan of 3500
Hi has anyone heard of % ratesetter loans
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Loan Calculation
Hi Guys! Loving all the help across all the forums, keep up the good work!! After trying to get on top of my finances (debt) I've recently been forecasting to my debt free day. One of the things I have trouble forecasting is the balance of a loan I have. It's with NatWest and each month the payment is the same but the…
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Egg's demise - who now has my account?
Hi all I had a loan with Egg which I defaulted on in 2008. I repaid all owed funds shortly after. Soon after this, Egg banking were disbanded and accounts were divided between a number of organisations. Annoyingly, incorrect information about my Egg loan is showing on my credit reference. As such, I need to contact my new…
