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Student Loans
Good Morning, I plan on going to University part time on day release from my employer. They have agreed to part fund the 4 year degree and pay £2000 per year to help towards the cost. The problem I have, is that when I was 18 I went to university. I left after 3 months, only because I preferred to work full time while I am…
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Advise regarding my Loan
I currently have a Natwest loan with an outstanding balance of £3306.98. I can afford to make over payments of around £200.00 a month. Does anyone know if I make over payments will it reduce my monthly DD? I've checked through my T&C's but can't find anything. I recently transferred my CC balance over to a 0% Santander CC…
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Revolving Credit?
I checked my credit rating and it was only fair even though I had no defaults or late payments on my accounts. Only bad thing was 2 mobile phone contracts less than 10 months old (one mine, one my partners both in my name). Why the hell does a mobile contract have such an effect on credit rating and do lenders use common…
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Rbs only using Equifax ???
I noticed when I applied for my current account RBS checked Experian and Equifax. However when asking for overdraft or loan they've only checked Equifax. Has anyone else come across this, or do they only use Equifax once you are a customer ? Thanks
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Payday express all over my experian HELP
Official MSE Insert: If you've arrived from Google, see our Payday Loans guide to check if you really need one. It's also worth reading our Debt Help guide. Back to the original post... Hi guys Long story short I took payday loan from express, lost my job so instead of paying in full I rolled over the loan. Managed to…
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Loan arrangements after death
My brother recently lost his wife to cancer. He is currently in the process of sorting out the financial aspects. The majority of this had been relatively simple however there is an outstanding car loan in my Sister-In-Laws name. My brother has a poor credit history, so therefore my question is - what happens in this…
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HSBC Loan; they are unable to provide my CCA
Hello, I have held a £10k loan with HSBC since 2011. I wrote to HSBC data compliance to request a copy of my original signed credit agreement, for this loan. I have today received a response from the Assistant Manager of Data Privacy Compliance saying that 'unfortunately, we are unable to locate the credit agreement for…
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Payday loan affect on your credit file help !!
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Nationwide 4 u loans
Hi, I was wondering if anyone has heard of this loan company. It's called nationwide 4 u loans. I have heard of a company called loans 4 u in london who apparantly are very bad. Im not sure if the two companys are connected at all. I know they have a CCL issued by The Office of Fair Trading, but to be honest I don't know…
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Should I reduce the limit on my credit card? (regarding Lloyds personal loan)
I am banking with Lloyds and recently applied for a credit card in order to raise my credit score as I heard that helps. They approved me and gave me a £6000 limit. Now I am a bit worried that perhaps they gave me a too big limit as I am hoping to take a large personal loan in the near future for home improvement (for…
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loans
Hi, is there a rule of thumb regarding loans available? Like a ratio of available loan to income? I don't have any loans or credit card debt (I use CCs though). Do they take mortgage into account. I might need a short term loan (<3 months) and curious how much I can stretch. Thanks.
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Credit reference mystery!?
Can anybody solve my credit problem regarding a loan... 3 years ago I wanted a loan to buy a car. As the advisor looked at his screen I was told that there would be a chance that the loan would be sent to head office for approval. I was told to get my credit score/report as this would give him something to back up an…
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Student Loans Repayment woes
I have two sets of student loans; four pre-98 mortgage style loans taken out 1997-2001 for my undergraduate degree which I have always deferred payment on as I was under the threshold and one new-style loan taken out for a post-grad teaching degree in 2010-11. I was due to begin repayment in April 2012 for the new-style…
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no loans
hi all 1st posting here so here goes defaulted sept 2007 cleared in 2008. so that drops off my file this sept no other bad credit on my file, barclaycard 8,500 credit on here to use inc 6 months 0% balance 0 barclaycard no2 3000 limit balace 750 0% offer, payback 150 per month reg DD so good so far , 5 payday loans last…
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Payday Express: deposited a loan I didn't request.
Hello all. I currently have a small loan with "Express", which is due to be repaid on the 22nd. Now, to my knowledge once you have a payday loan with a company, you can't take a second one. Today I checked my bank account online and saw Payday express has deposited 215 pounds, which I didn't apply for nor sign for…
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Credit union car loans and pension credit
Hi I am currently on pension credit and looking for a car loan of £4000.00 I have a credit union savings account and regularly add to my savings. My current car is worth about £2000.00 as a trade in,so I am not looking to borrow the full sale price of the car. I have had a small £500.00 loan from the credit union that was…
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money taken from my account on a cancelled debit card.
I noticed on my statement that 5 separate transactions had been taken from my current account with a debit card which had been cancelled 5 months previously, I contacted the bank and they said because it was a payday loan and i owed the company the money they were well within their rights to use the cancelled debit card to…
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Payday Loans and DMP
Hi Don't know if this is the right place but I am in a bit of a panic at the moment!! I have just started the process of setting up a DMP with Stepchange and was advised to send letters to all my payday loan creditors telling them I was going on a DMP. I haven't been able to take my money out of my account yet and whilst…
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Barclays rip off loan advice?
Hi - recently my sister in law came to me as she was worried about the financial situation she'd got herself into and wanted some help. When I took a look at her finances, it was generally not too bad with a bit of cost cutting etc but one particular loan from her bank Barclays was of real concern and I wanted to know if…
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loan
Hi all its me again, as i last spoke on here i recieved a text messege saying that star loans had recieved my details and was issuing my refund through the post by cheque, lets c if i recieve it x
