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Car Credit - Asking for 3 months bank statements
I've applied for credit with Ford Credit on nearly new car and they have come back asking for 3 months of bank statements, which have been faxed over. Sadly, it was late Saturday so they have now closed for the weekend and won't know til Monday. I was wondering why they need the bank statements really as I have never…
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cash generator
Hi, Some urgent advice needed. I pawned an item there and borrowed 140 gbp which was due to be repaid today, ) I was only going to renew the loan for another 28 days and pay 42 pounds interest).I could not get out of work so phoned them and asked them if they could keep the item until Monday. (I have done this before but…
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Creation Finance ??
Hi Just wondering what peoples thought are on creation finance, have not heard much about them. Are they more middle market ? And is the acceptance criteria slightly easier than banks etc Any info anyone has on creation much appreciated :)
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Loan or 0% Credit Card?
First of all, apologies if this type of query has been dealt with many times before but I feel such questions are entirely dependant on each individual's details... so here goes... :) I am looking to purchase a motorcycle in the next month, and I will need around £5,000 to do this. Because I have some money saved, I am…
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Fraud
Hi all. I have a problem. I was contacted by bcw a couple of months ago regarding a debt under £300. They claimed it was mine. I thought it was fishy as my name was spelt wrong on the correspondence and I had never had a loan with the company mentioned. Also the loan was taken out in 2007 at a certian address Ihad moved…
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Cancelling a Credit Agreement within the Cancellation Period
If you enter into a Credit Agreement, you are normally given 14 days in which to Cancel the Agreement. Can anyone clarify: Is the agreement treated as though it NEVER existed? Do any obligations still exist, bar repayment of the original sum borrowed?
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temp Borrow from parents
Hello everyone, hope i have posted in the correct forum. I need some advice please. I have a house and currently purchasing another one first with no chain before selling old one, I need to borrow £25000 from my parents which they have agreed to put as a deposit for the new house as i do not have the money. I then sell the…
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Joint loan application disclosure
Hello, I have a joint loan of £12K lined to my Northern Rock Mortgage. I'm after some advice of what I put on future credit applications- do I disclose I have a £12,000 loan, or put down £6,000 as I'm liable for half of it, or would credit agencies see it as part of the mortgage? Thanks in advance.
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Council "Enforced" Loan/Charge on property for housing repairs. Advice?
Hello All, Need some advice based on my mothers home. She applied for a council grant around 5 years ago + and was declined. The property state declined even more. Last September we applied for another grant and was initially told that we may have to wait 18 months until they come to inspect the property unless there is…
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Zopa Loans
Hi. Anyone taken a Zopa loan? I'm looking at getting a loan for a new car choosing £4.7. The garage selling the car have said that would do a loan at 5.5 percent over 3.5 years but with a front and back admin fee of 149. Zopa would do a 5,000 loan at 6.4 percent but with no fee. In short, Zopa works out cheaper but am…
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getting late payments removed from my credit file for an old welcome finance loans
Hi guys, my first post here so bear with me please. I took out a loan with welcome finance back in 2007, i moved abroad for a few years and after a while i started toi pay back the loan on the understanding that it would come off the balance. after paying back over a £1000 i got a statement from them and the balance hadn't…
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Loan - who to apply to
Hi, How do you ascertain which lender to approach for a loan? If you go for the best rate and get rejected then does this have a knock on bad effect for other applications? I'd hate my credit file to be littered with rejected applications. My credit score, last time I checked, was very good, not sure why it wasn't 100%…
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Most ridiculous name for a PDL company?
Just for fun, what's the silliest name you've seen for a payday company? A few of my favourites: PaydayPig Loan GoGo PaydayMummy
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Help! Student finance england
Hi can anyone help here? My son is going to university this September 2013. We were sent financial forms to complete for year 2011-2012 (which we completed), our income in the last tax year 2012-2013 has dropped by 30%. Instead of sending us forms to complete for 2012-2013 SFE have sent us forms for 2013-2014 and asked us…
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2nd charge against my property
Hi All, Can anybody clarify my position. My partner has a 2nd charge registered against my property. Can she force me to sell my property to liquidate her 2nd charge or would she have to wait until i agreed to sell it? Any advice a great help
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Peugeot Finance
Hi Everyone, I am a first time poster with a big problem. In 2010 I purchased a Peugeot Bipper Van on finance, the agreement is £269 a month. In the 3 years I've had the van, it has broken down 5 times with a transmission failure, the van will be going along the road/motorway and bang, just stops dead, the last time it…
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CPA's and bank accounts
hello, I sent my bank (co-op) a letter in february asking them to stop any CPA's on my account. Last week one was taken, I had to call up and raise a dispute for the money to be credited within 3 working days... Is this the correct process or on receipt of the letter should they automatically stop any payments from going…
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1st stop home loans -secured loans
Hi I have been accepted by 1st stop home loans for a secured loan of £10k. Does anyone know anything about them? I have a lot of unsecured debt (aprx 30k) and things are starting to get on top of me but have never missed any payments but credit score is aprx 480. My current mortgage is 77% ltv Any advice?
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Car Finance - is it worth me applying with a poor credit score
Hi, first of all sorry if this in the wrong thread as not sure where to put it I am looking to get car finance but wanted to know what type of criteria there is to meet. In the past I treated my credit rating like dirt and didn't pay anything so have several defaults which resulted in my score going as low as 120, I am now…
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starting up a business
hi all wondering if there any where i can get a start up loan for my business as I have bad credit i have completed a business plan which has been checked also the cash flow forecast and sales analysis. i'm on the new enterprise allowance scheme but been turned down for a loan based on my credit rating and needing to Raise…
