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Nationwide Soft Search - Reliable?
I have been provided with two quotes from Nationwide for a personal loan, with what I believe to be decent interest rates: £7,500 at 6.2% for 36 months £5,000 at 7.9% for 36 months Given that they perform a soft search using my credit file, are these quotes reliable? Or is there a still a good chance that I could be…
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Consolidation & Mortgage/Credit rating
Hi, I currently have approx £15k of debt on a mix of overdraft, store cards and credit cards. I would like to consolidate this into a single loan and have been offered one at an average level. I will also be looking to take out a mortgage as a first time buyer towards the end of next year. Will taking the loan out affect…
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MSE News: Missed credit card and loan payments on the rise
"One in five Britons have deliberately skipped a loan repayment in recent years because they cannot afford it ..." Read the full story: Missed credit card and loan payments on the rise Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum?…
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Ex wrecked credit score
Hi, first time poster, any help much obliged. I'll cut a long story shortish. In 2008 I agreed to be co-signed on a loan that my girlfriend at the time needed. She assured me she would keep the repayments up-to-date. You can see where this is going. We split two years later. Flat sold and I agreed to repay the negative…
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Black Horse Secured Loan
Official MoneySavingExpert.com insert For full info on secured loans, see the main website's secured loans guide. Back to the original post... Hi , I am more than a little worried. I have had major job/finance issues and in the main I am getting there with my debtors. One that worries me a little is Black Horse. My loan…
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Car settlement figure help
Hello I need some advice on a car finance I took out in 2011. I bought a £28000 car amount financed was £27435, and the deal was £500 per month with £15000 (rough figures) at the end after 4 years. 2 years in and I've requested a settlement figure they've told me its £25941.28!!!! So I've paid only 2k off.. How is this…
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Bad credit loans
Can anyone advise me on the best loan for people with a fair credit with defaults?? Tried so many now :( replies most appreciated
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Hi, asking for advice regarding loan arrears & best way forward
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ratesetter loan
Hi all, i applied for a ratesetter loan yesterday and got a quote for a loan of £8000 at 7.6% and a monthly payment of £159 over 5 years. However i have noticed this in the FAQ https://members.ratesetter.com/help/faq.aspx Is this FAO of the lender or the borrower? im just wondering if ratesetter loans are variable or…
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Credit Union Loan
My credit score is very poor however I have approx £500 surplus every month. I need to consolidate my loans and the mainstream lenders won't touch me! We do have a large credit union in Leeds who I will approach but just wanted to put a feeler out there and ask MSE members of their experience/advice? Thanks. Bob
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Student Loan Problem: living in Australia
OK, I have a little problem and could do with some advice if any is forthcoming before proceeding I am from the UK, but I have been living in Australia for approximately 2 years. I do not intend on returning to live in the UK in the foreseeable future. I started univseristy in 1997 and ended in 2002 (a few bumps on the…
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Loan for my situation
Firstly is a mortgage considered a debt? And having a mortgage a consideration when getting a (personal unsecured) loan? So I need to get a 15K loan. I have student debt around 11K remaining and 1K on a credit card. I earn around 25K. Been in work over 2 years. How likely is it I can get the loan at a low interest rate,…
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Declined loan from sainsburys, not sure next step
Hi folks. I am in the process of buying a new (second hand) car. I have paid off the outstanding balance on a loan i had for my old car (loan through tesco). The woman at tesco told me i cant apply for another loan through tesco for 8 days as it shows on their system as me having 2 loans through them. However she told me…
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Early settlement of RBS loan
I have a loan with RBS with 20 months left to run. I pay £128.63 each month. I have a bit of money saved so I thought I would be best paying it off early. I rang for a settlement figure and was told it would be approx £2600 or the same as 20 payments plus 56 days interest. Looking at last years statement on the loan I am…
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consolidation loans
basicly i owe about 2500 to various places, got car arrers of 500, a stupid phone contract of 1100, and a couple small things i want to pay off and forget about, i want to get a loan, of £3000, trouble is im not a home owner, or have a good credit history, is there any companies out there that people have used or can…
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Help needed with credit report!
Hello, I've recently signed up to Equifax's free trial as I'm thinking of buying a car, and have been turned down for credit cards in the last couple of months. I've noticed two things about my report that have got me wondering: Firstly, my car insurance isn't listed at all, why would this be? I've paid it monthly for the…
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Experian credit score is good, Equifax is very bad??
Hi everyone! First post so im sorry if this has been asked or if its in the wrong section. But ive signed up to Experian and Equifax to look at the credit scores as im thinking of buying a car. Now my experian says its Good but my experian says its Very Bad? ive checked both sites for the details that they have and as far…
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cancelling black horse finance
hi guys well i took finance out on a vehicle about 2 or 3 months ago, from day 1 i have no end of problems when braking it is pulling into the middle of the road, i had it put on a dyno and the brakes was off by about 20. so i then gave the dealer a chance to fix it he told me there was nothing up with the brake but he…
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Natwest Loan - First Direct
Hi, I am with Natwest and have a loan with them also. I am moving banks to first direct.. What will happen to the loan when I close my natwest current account? Thanks Simon W
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Student Loan repaymts & pension Contributions
Last year I made a lump sum pension contribution to my employer's pension plan by cheque - not through payroll. Should this come off my annual gross salary when calculating student loan repayments for the year? I thought it should based on info on this site but student loan company says pension contributions are not…
