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Nationwide soft loan search
Hi Everyone, Ive been thinking about applying for a loan and tried nationwides soft search to see whether I am likely to be accepeted as far as i am aware they pretty much see the same info as a hard search. The rate they have offered me for £9500 is 14%. Does this mean I am likely to be accepted? I have no ccjs and the…
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Traced for student loan abroad
Hi there I'm currently working abroad, and will be doing so for the forseeable future to save up to retrain as a school teacher back in the UK. As I need to save for my future and have more pressing c/c and overdraft debts in the UK, I didn't inform the SLC of my whereabouts and so haven't been paying back my student loan.…
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what happens if a relative can't repay a loan?
Hi all, My brother (lives in the same house) want's to get a loan for a new bike, and is looking at a loan (he needs about £4000 total for a new bike). However I'm a bit uncomfortable about the idea because he has had a credit card before which the parents ended up paying off when he decided he didn't have the money. What…
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Can Someone Help me Work This Out?
Happy Christmas everyone.:santa2: Can anyone help me work this out? (On the face of it, it seems easy but then I think the interest must surely get less every month as the capital gets repaid and becomes less?) My sister is renting from a friend who is also her landlord and her landlord friend owes my sister £2,500.00 with…
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Car Finance - My mistake and way out.
Hi Folks, I'm looking for some advice on a car I purchased less than a month ago. I bought a luxury Range Rover 4x4 for £38,600 last month taking out £31716 in finance with the rest from a trade in plus cash. The deal is 9.4% APR with 35 monthly payments of £602 per month and the 36th payment is £17485. Estimated value at…
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Citizens Advise or Consolidated Loan?
My son is in such a mess financially he now believes a new consolidated loan is the only answer. This may be so but I've said he should chat it over with Citizens Advise (or the like) first because I believe some of the debit is from when he was with his partner (now separated). Loans taken out together or for a common…
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Blemain Loan !!!Crooks
Happy Christmas, I’m new to the Forum, Just wanted to share my experience with Blemain and hope someone can suggest some options, I will briefly explain my situation. I took out a loan in 2010 for £29500, With the fees the opening balance was £33815.00. After paying 22 monthly payments totalling £8300.00, I enquired to…
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Recent unsecured loan applications?
Hi there I've heard there has been more success recently with regard personal unsecured loan applications and was wondering if forum members might have any feedback for me? Any tips or recommendations for lenders to apply to? Believe me, if I could do more to pay it off I would but train tickets, pension, rent, utilities…
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Student Loan abroad questions
I will be living in Canada from the beginning of January. I am keen to continue paying off my student loan. First - does the company you work for abroad get linked to the student loan company? Is this even possible? If not I assume it comes out of your Canadian bank account. However, I have heard that there is a…
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Loan Early repayment decision
Hey everyone, new to the forum and first post! I am looking to buy a new car for around £25k and am going to get a loan. I would be able to pay back the whole lot next year and wondered what the best way to do it would be. If i borrowed £25k over 10 years the monthly payments would be approx.. £300 PCM. Over 5 years they…
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Northern Rock - Unsecured loan Issue
I am in need of some help, advice, just anything :( I was prevously on a mortgage with Northern Rock that had an unsecured loan of £20,000.00 attached to it. I broke up with my partner and he agreed to take over the payments. He found someone else to take my place on both the mortgage and unsecured loan. Northern Rock…
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Lending to my partner
Hi, My partner has borrowed £3000 off me and is going to repay it at the same interest I get from the offset account I drew it out of. What I want to know is how to calculate the monthly amount she should pay. Regards
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Early repayment of personal loan
Hi, I have taken a personal loan from Lloyds TSB for approx £10k for 3 years. Their T&C about early repayment states that “there may be a charge of upto 58 days of interest if the loan is closed early”. Now I am thinking of closing the loan in full after about 2 months. I want to know under what circumstances they charge…
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QQ suspicious Direct Debit
Hi, New here so hope im in right place anyone offer advice on where to go next. Recently took out payday loan with QQ £200 with £40 to pay on top £20 after 1st month £220 after second month. First went fine until near end of second month, New DD appeared on my online banking from 'unknown frequency' for £20 i thought this…
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To consolidate or not
Had my LBM in January of this year and as you can see by my signature I have been slowly chipping away at this,continuing in the same vane I think I can be debt free by dec 2015 so in 3 years time. I currently pay £1100 monthly to my debt,half of this goes on the interest at present. However hubby has investigated…
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RBS Loan PPI - Offer - HELP
Hi all, In 2003 had £2000 loan, - checked docs last week and seen there was ppi i didnt know about so called to claim. Plus £1000 loan previous year. No docs but they say was ppi on it as well. Details on documents - APR 16.8% Loan - £2000 Loan insurance - £367 Total amount payable - £2980.80 including - Interest - £588 +…
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PDL - Speedcredit charges
Hello I wont link to my previous post about this company but its there if you wish to look through it - but please dont judge me based on it like some have. Ok so i took out a loan with this company for £400. Didnt pay it back within the time and so it goes on. They email, text, leave 4min long voicemails with nobody…
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Northern rock loan over £25,000
This thread is specifically for those of us with a Northern Rock 'Together' Loan for over £25,000 which states it is regulated by the 1974 CCA.
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Doorstep debt collection
I have accidentally opened a letter addressed to a former tenant of mine. The letter threatens a “doorstep collection visit to recover your outstanding balance”. Is there a chance that the collector will force entry to my home and seize my property? Will they believe me telling them the tenant has moved and just leave me…
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Worth Switching?
hi I took out a loan for 20k in September 2010 for 60 months (5 years) @ £465.65 per month. (14.9%) Since taking out the loan I have a better paid job and aiming at soon getting a mortgage. I have been told it would be better to pay of the loan first because A: More money each month and B: Lenders dont want to lend when…