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Wonga lol!
Just logged onto Wonga (Yes I know, I'm well aware lol!) to see my account at £0, and noticed they'll lend me anything up to £1100! I was sure their maximum loan amount was only £1000 though. I've no intention of borrowing money from them (used them in the past, no frills, no problems, paid back and end of story) but I was…
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CFO loan
Please help. I have just applied for a payday loan with CFO in a moment of madness. They stated I have been accepted and will call back. Now after reading all the horror stories I want to cancel. I am worried now they will empty bank account come pay day. Can I now cancel and what can I do to stop them draining my account.…
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Payday Loans Credit Files
Does anyone know if ALL Payday loan lenders report to Credit Reference Agencies? Are they actually required to do so by any form of rules etc?
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Underwriter
Hi there I'm new to this!!! Currently going through a loan application with my bank Natwest for a 3,000 loan, Had a phone call yesterday saying every thing is agreed but then they informed me the underwriter wants to see my last credit card statement!!! So I've bin down my local branch today to send it off, I'm just…
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Clarity on over payments
Hi all I'm on a mission to clear all my debt so I can start saving and being a bit more frugal :money: I'm doing ok at the moment and finally out of £21,000 have only £1000 left on a CC and a Barclays £10000 loan, the loan was taken out in Aug for 3yrs at £341 a month (8% apr) but after my card is paid off I'd really like…
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Secured loan query
Hello I have a solicitor's bill to pay which is now around £15,000. I've been paying small lump sums here and there for a couple of years but now they require payment in full otherwise they will commence legal action against me. In fairness they have been reasonably patient with me and my intention is to pay them in full.…
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Loan to clear Credit Cards?
Hi Folks, Just wondering If it would be advisable for me to get a loan to pay of some credit card debt I currently have? I have an MBNA with £3500 on it (at limit) with 1.4% monthly interest on £2.2k of it and 1.3% on the remaining £1.3k I also have a RBS card with £1400 on it (£1.7k limit) not sure of interest rate but…
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Lloyds TSB & PPI
Hi I took a loan about 8 years ago with Lloyds TSB whilst self employed, but not limited. As it was so long ago, I cannot find any paperwork, I stopped paying the loan years ago, but it is with a company called Westcott. Think the balance is about £3k, they are not kicking up, but you never know what is around the corner.…
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Help with Tesco Loan
Hi, My partner signed up for a £10,000 study course and to pay for it, initially took out an HSBC loan at around 16%. Realising could get a better deal and needed a bit extra so contacted Tesco's, I'm sure with the intention of taking out a £10,000 loan at around 5%, paying back the initial one. An advisor came to our…
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Re: Bank Loan Defaulter
Hi. I used to share my accommodation with a person from Europe for 4 years . He just returned back to his country but yesterday I got a letter from his bank that he has got a loan of £10000 and hasnt paid his last 2 monthly payments. The letter clearly states the possibility of legal action and future troubles for any type…
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Improving credit
Hey, Following some advice from people from the other thread, I'm now trying to improve my credit but not sure how to do so. Everybody says that best way to improve credit is taking out Credit Card and making monthly payments on time for it. Well, I got declined on all applications for Credit Cards, as well as personal…
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Battling Wonga - Advice Needed
Hello there first time poster but not the first time on this forum, so thank you to all those who take the time to advise on these matters. Situation: Cannot replay Wonga loan as employment situation has just changed dramatically. I am now self employed, but certainly will not be able to repay them on May 04th - £1400. In…
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HP agreement termination
Hello all, Could you advise re a HP agreement I have please. I am happy with it but would like to end it earlier than the agreement date to save money and change car. I have a four year agreement with Audi. I'm wondering whether there is a clause which allows you to hand it back after two years or is it after a certain…
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Occupational pensions and Student Loans
I am 57 and have recently been made redundant. I have a pension from my previous employer. If I applied for a student loan would I have to repay it from my pension when I graduate ?
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Is there any notification when a student loan is written off?
I have a pre 1998 student loan and will turn 50 next month. I understand from Martin's advice that the loan will be written off at that point. Does this happen automatically (and if so will I be notified?) or do I have to apply for it to be written off? Thank you.
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does not seem fair
hi first timer here. have had to pack in work through ill health and has taken a while to stop spending so now got some debt we want to consolidate, do not understand banks, we have a lot of equity in our house and have never missed paying a bill. we have looked at a loan so we can pay off some debt and itwill bring our…
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Looking to finance a new car but am self employed
I've been looking to finance a new car after some ongoing car troubles with our current one. It would be myself and my partner as we share the car. I've been self employed for just over a year, my partner is in full time employment. I currently have a loan with first direct that's about half way through so I gave them a…
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working out how to end loan
Hi Guys, Have a loan currently and can now pay this off. I currently owe 3.3k left on the loan. It says in my T&C; '58 days interest on the amount repaid early' I am unsure how to calculate this the loan APR is 23.5% and i took it out 2012 for 3 years. How do i find out what is best whether to pay the loan in full all off,…
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Anyone got a loan with past payday loans on file??
Hi forum Wondering if anyone has been able to get a personal loan from high street lenders ie Tesco, nationwide etc with traces of payday loans on their credit file. Basically I have no late payments on my files ever, on electoral roll been in my job for 6 years. Just wondered if every company automatically decline you for…
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Early settlement on loan query
I hope somebody can give me some advice as financial matters leave me a little confused :think: I took out a personal loan in August 2012 for £8000 at 15.9%. Payable over 4 years. I asked at the time whether i would be able to make over payments to reduce the length of the loan and they said yes. My credit rating has since…
