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My default has ruined mum's credit score - help
I took out a loan several years ago (with my mum as a co-signer) as I could afford the monthly payments of the loan but did not have a credit history due to my age at the time to take it in my name solely. Unfortunately I lost my job a year into my loan payments, due to injury in the workplace, and was unable to keep up…
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Bank Card Details - Stupid Mistake...
First of all...save the negative comments. Surely we've all done something stupid in our time!! :cool: Recently came out of self-employment, and having 2 months worth of rent to pay I want on a mad spree signing up to loan companies only to get turned down due to bad credit history. Read on a post on here about the MyLoan…
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Wonga confusion!? HELP!!
Ok to keep this as short as possible, i set up a payment plan with wonga, they accepted and said they would take £41.52 each month until cleared. the first payment day came and they did not take the money i thought due to the bank holiday so i left it in, days later they still didnt take it so the money was taken for…
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Loan Vs Remortgage of property
can anyone offer any advice on the following situation. We have a mortgage on our current house which we are trying to sell. We have a buyer for it but they are trying to sell there property so for the time being we are at a bit of a stand still. We don't want to miss out on the property/ land we want to buy so we are…
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Debt Consolidation Loan
Hi, I'm new here so apologies if this has already been covered on these forums, but I'm after some thoughts on the above. I have previously some unsecured debts which I am trying to consolidate, but every time I apply for a 'consolidation loan' I get knocked back. The reason they provide is "you have too much credit".…
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Wonga loan - help
I have stupidly taken out 10 pay day loans for which I am now paying extortionate interest each month. I know it was my own fault but I am now really struggling. In 3 months I will be about £250 a month better off andI plan on using this to pay off the payday loans each month. My problem at the moment is keeping up with…
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Beneficial Finance/HFC won't help me reduce my payments.
Hi, Have a loan with Beneficial Finance think its around £1200 now. Paying £61 per month. However really struggling to pay it currently. Have spoken to them numerous times but they won't reduce it. Had to fill in a form of income and outgoings but they say we can afford it. If I could afford it I'd happily pay it. I want…
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Finance / Loan on Caravan advice
Hi I am hoping someone can help me, My partner brought a static caravan holiday home in 2007, this was through Barclays partner finance. My partners uncle had been paying this all off - my partner had taken the credit as uncle was unable to get it due to bad credit history (silly I know he was only 18). In 2009 uncle…
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Advice in lowering a loan amount???
Hi all, Currently running a £215 (on £10k) loan a month - and although it's kinda manageable I do feel it would be ever so helpful to lower the amount. Talked to the bank and they are happy for me to carry on paying that amount even though I explained the situation (of course they would be...) but does anyone have any tips…
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Personal Guarantee & My Options
Afternoon, Some years ago it is claimed I had a PG (joint and severally liable - partner is away for good) with a brewer and 5 years ago we went under. I have heard nothing from brewer until 4 weeks ago when a recorded delivery letter arrived at an address that I do not live at and today at an old workplace the same…
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Apr increase
I'm just searching about atthe moment for a low rate loan. I don't usually get them and have some money saved but we now need a second car due to job circumstances. It's going to be a car we keep for a number of years. Anyhow I've applied for 2 loans now and been accepted but the apr's advertisied at 5.1% have come back…
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Debt collectors right to information about work
Hi, For over a year i have being paying my student loans over payment back per month, separate form the amount that comes out my salary. It is not on my credit report and is interest free. However every couple of moths i keep getting harassed by them to increase my payments. I keep saying no, but recently they have being…
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Why wont anybody lend....desperate for advice
My partner has spent the last 6 years building his credit back up from nothing after settling an IVA which no longer shows in his credit file. Both equifax and experian credit score him as good to almost excellent (equifax is 501 out of 600) and experian is 898 out of 900). He is in the electoral register. He has never had…
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Car Finance and cancellation
Hello All, I took out a HP for a car last July on a 3 year finance deal. From mid August I will no longer need the car as my new job starting then is only 3 miles away from home as opposed to the current 35 miles. The car itself is fantastic and since I have had it I have had it fully serviced and even the garage said that…
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Payback loan In Full???
I took out a loan in March 2009 for 5 years and £10000 with monthly payments of £205.62. With 12 months left i rang to get a figure to pay off the loan today in full and was told £2593.03 + £205.62 wich is due to go out tomorrrow. This to me seamed a very high figure?? I was wondering if anyone that knows more about this…
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How to void the Menace of Wescot Credit Services
Hi There, My credit rating was tip-top until about mid 2012 when i defaulted( for 3 months) on a Santander unsecured personal loan I took out in 2010 for £12,000. Before that I was paying about £413.50 per month on the loan by direct debit and never failed. As soon as i knew i was going to miss some months payment I called…
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Purchased Car with Outstanding Logbook Loan. Help!
Hi, I've searched through the forums and found a few people have had similar issues to myself. If anyone has any advice about the issue I would be happy to hear from you. My girlfriend purchased a car back in January 2013 from a garage in Birmingham (we live in Wales). We had a phone call on Thursday from Mobile Money Ltd…
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funding corporation bill of sale all doesnt seem right
Hello there sorry if this is long winded however need some help with the funding corporation. I purchased a car from acf car finance in 2010 and now my circulmstances have changed i need to look into either returning the car or lowering the monthly payments however there seems to be several errors on the agreements i have…
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Extortionate Early Settlement Figure
Hello I would welcome people's opinion on an early settlement figure I have received from Everyday Loans. I took a loan for 3100 from everyday loans on 15th February 2013 but immediately regretted it. However on the day I fell for the very heavy sales pitch which said they were doing me a huge favour lending to me because…
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Posting Wrong Advice on the Forums
The amount of !!!!!!!! posts and wrong information I read on some of the forums is getting ridiculous, often I want to reply and say how wrong some advice is but really what's the point. Just wish some posters got their facts right before posting misleading and scare mongering posts. Just saying...... :)
