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Student loans deferrment cancelled as earning too little!
I seem to be in a strange and unexpected situation with the student loans company. When I took out the loan, I was aware I would have to start paying it back once I earned over a certain threshold, which I've got no problem with. Fifteen years on, and unfortunately I have not reached that threshold yet. However, at the…
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Should I pay off my loans?
Hi everyone, I'm looking for your thoughts on whether I should pay off my loans/ consolidate? I have a personal loan with around £7,000 outstanding, with just under 4 years remaining. The APR is 8.9%. I'm repaying £178 per month. My wife has a loan with around £4,300 outstanding, with just over 2 years remaining. Her APR…
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Credit file
Recently joined a credit file agency, should I be worried that a car loan that I've had since Jan 2011 doesn't show up? Everything else shows mortgage, credit card, mobile bill
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Wonga Help-First Time Help!!!
Hello All. l have a wonga loan due on the 1st April (not sure if that means they will try and take it on the 28th due to bank holiday) of £680. l have been deffering it so far but have run out of extensions. Due to only working part time at the moment, all my money this month is going on clearing my other payday loans off…
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Between a rock and a hard place
I have one credit card and have managed to max it out over the past 6 or so years (£10,000). I am now in a position where the credit card interest is 29% and all i'm now doing is paying off the interest every month and not touching the debt!!!! However after reading the debt problem page here on Money Saving Expert, i have…
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Need to check my credit report but...
As above, I want to check my credit reports but have used the free trial periods, is there any place you can check all of the three main agencies for nothing ? So many dodgy ones online I'm not sure where to go
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Issues with payday loans uk and payday uk
I recently applied for a loan at paydayloansuk.com. It looked pretty trustworthy so I thought I'd give them a go. After filling out the application form it turned out they had arranged a loan for me with Payday UK, a completely different company! There website made no mention of being a broker (or if they did it was in…
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Money needed ASAP
This may be a REALLY silly question but here goes! i need to borrow £500 by tomorrow havent got any friends/family to ask are pay day loans a real NO NO??? Thanks
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Advice on potential conflict OI
Problem Resolved!
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Advice: Finance on used car with low or no interest rate
Hello everyone I hope someone give me some advice on this. My question probably are a bit silly but I'm hoping to get the best advice possible that matches my circumstances. I'm considering buying a new car when my insurance expires, the cost of the car will be around £16,000, money that I don't have direct access to but…
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Cancelling order - sofa ordered on credit (loan)
A friend of mine ordered a sofa from Harvey's eight weeks ago. It hadn't arrived, so he chased them up, and they advised that it would be another eight weeks but offered no explanation, justification, apology, or goodwill. He wants to cancel the order. He took out a finance agreement against the sofa. What are his rights?
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NRAM CCA 2nd Letter - Still investigating - What does it mean?
Hi all, I am now reading some people are receiving there 3rd letter which tells them how much redress they are receiving. My own situation is a little different, I received the letter in February but mine did not say I was definitely affected. It said due to the complexity of my loan etc etc they were still investigating…
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Halifax high interest loan
Wondered if anyone could advise me on this. My mum was given a loan by Halifax with 25% apr to be paid over 7 years. At the time of the loan she was 62, a homeowner with no mortgage and retired. Her pension is £595 and her monthly replayments are £294. The loan was to pay off existing debts. She still has three years to go…
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The Money Shop - Pawnbroking Loans
Has anybody ever done this with The Money Shop? How exactly does it work? Did they need to do a credit check? Did they need details? I don't have the receipt with me (was a bday prezzie) - will that be a problem? Did they value the item and then borrow you the exact amount that it's worth? Thanks in advance :)
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Loan repayment holiday whilst travelling
Hi Moneysavers! I am looking for some advice re travel and my loan payments. I have a considerable sum of debt which I can manage whilst working full time and living here in Scotland but I have always had a bug for travel and would love to see Australia. I have already missed the opportunity to go on two occasions before…
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opos mini credit
please help i took a loan of £100 well it turned out to be £80 for some reason anyway i got my self into a mess with 4 payday company's i called them all to ask for a little longer to pay all but 1 did mini credit the other stopped the interest.when i called mini credit to explain my problems they just said i will be…
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pay off car loan?
I took out a car loan in July 2012 to buy a second hand car. I now have enough savings in my ISA to totally pay this off plus a couple of grand spare. Should i do that or keep paying my car HP for another 2 and a bit years. Worried about redundancy where i work but then i coild still sell the car rather than give it back…
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Front Load Interest
Hi there, after some advice. I have a unsecured personal loan with M&S, £15000 over 5 years, £294.82 month, 6.9% apr. It was for a car which I have sold so wanted to clear the loan. I've paid in for 2 years so was expecting the settlement figure to be around £9000 + a month or two interest penalty (£15000/60*36) but have…
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Car reposession and private registrations
Hello and this is my first post so I hope someone can help me. Due to financial difficulties we took a loan of £600 on our car valued at £1200 last August. We are paying £22 a week for the loan. Our circumstances have changed since then and we are no longer working and on benefits. We can no longer afford the £22 a week,…
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Missed loan payment
HSBC keep calling regarding missed loan payments. I have been made redundant and can not pay the monthly amount. Help please!
