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UK Resident? Working abroad for the forces?
I want to apply for a loan but it says you have to be a UK resident. I am a UKBC (UK Based Civilian) working for the ministry of defence abroad in mainland Europe - have been living and working there for 10 years. I pay UK income tax and my bank accounts etc are UK based and my UK address is where all my credit cards/ bank…
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Justlendcash
Please be aware of text messages from justlendcash.co.uk they promise a loan regardless of previous credit history, I was interested as my car is in need of repair but after Xmas as I am sure is the same with many of you money is tight. I went onto the website today and applied I was accepted so continued with the…
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Home Improvement Loans
My wife and I are looking to apply for a home improvement loan and we will be looking for around £20,000. However we have noticed that the interest rises significantly once the amount increase above £12,000. Therefore, is there anything to stop my wife and I applying for 2 separate loans of £10,000 at a reduced interest…
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20% interest for car finance too high?
I have 2 defaults on my credit file from last year - 1 is settled and the other is not. The unsettled is a vanquis credit card for £3,500. These are the only issues on my file - everything else is ok. I applied for car finance and have been accepted by a sub prime lender at a rate of 20% over 4 years. Is this too high? It…
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loan help please
Hello I am really hoping someone can give me some advice. I was with my partner for approx 18 months, he lived in my home for the last 10 months and paid some monies towards day to day living. In September he told me he was taking a loan out as he had some bills he needed to pay and also towards our wedding. I found this…
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Anyway out of this catch 22 loan situation?
I'm asking this on behalf of a friend, any advice would be appreciated. Since she had her hours cut to 20 from 37 she has been struggling to make her credit card payments and these have increased as she has tried to continue to live and pay her bills. She currently owes around 12000 pounds and is being chased by various…
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Fair credit
Hi All, Just a quick one regarding loans and the Apr band selection. I have just applied for a £5000 loan from santander ( Christmas special) deal 4.6% over 5 years. I thought great that sounds very reasonable, I receive a letter saying that my application has been successful for a loan of £5000 at 17.6%. So I phone them…
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"Loan Charge" Help - CSL/Barclays
A couple of months ago I ordered a sofa with CSL - online/over the phone. They wouldn't accept my credit/debit card for payment as they were still linked to my old address. Was in urgent need of the sofa and changing address over was going to take 1-3 days. So was advised by the CSL salesperson to take out the interest…
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Bad Credit Loan
I'm in a bit of a situation I've tried looking on here for the answer but can't find one I hope its ok to post I'm in the process of selling my house due to financial difficulty long story broken relationship let to deal with all the bills alone with 2 young children. I've kept the house going until now all companies etc…
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Early Settlement Query
Hi MSE users. Today I called to pay off a credit agreement that I have on a motorbike I bought. I recently came into some cash so thought I'd use it wisely and pay the loan off early. I did however, being an accountant, call armed with my own settlement figure which came to £42.01 less than the figure they gave me. :mad: I…
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Being chased for a loan that was cancelled.
Hi all, about 2 months ago I bought a music keyboard from an online retailer using a 'pay4later' 0% loan. The keyboard arrived but was faulty, I returned it and the retailer cancelled the finance and returned my deposit. I then cancelled the direct debit that had been set up. Immediately I received an email from the 3rd…
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santender loan default :(
hello I am new to here and I looking for much needed advice I lost my job in 2012 and had a loan out with them etc I couldn't repay any other the loan so they defaulted it how ever I did go to cab and they wrote for me a offer to pay a amount however they declined. I have now got a quite well paid job and I rang Santander…
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Finance Facility - any advice gratefully received!!
Hi, I'm new so hope I've posted in the right place etc. My partner stupidly got scammed by "finance facility" at the beginning of December he was offered a loan but never took as a family member managed to help us out so we haven't entered into any loan agreement. Unfortunately when my partner realised he'd been scammed…
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MotoNovo HP Loan help!
Please forgive me as I believe I've posted this in the wrong section within the forum... Im going to university in September & I'm currently trying to pay my car off ASAP. I have managed to clear my Credit Cards but now its time to crack my car! I am putting away £500 P/M in order to pay it off in full as soon as possible.…
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Early repayment charges, car finance - Please help
Hi guys, I have recently bought a car on finance for £15,890 with a £5100 deposit taking it down to £10,790. The actual APR is 12.4% I bought the car from lancaster jaguar. The car is on HP which is something i just realized can I possibly change it over to PCP, I haven't had the car yet. Finance is for 60 months. I plan…
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Will I be accepted for Apple's Consumer Loan?
I'm a 22 year old student and I want to indulge in a MacBook Pro which will set me back £1250 (for laptop, case and software). I want the loan to pay for the £1074 cost of the MacBook Pro. Here's some info about my poor credit history - I have two credit cards, an RBS student card with a limit of £500 since I was 18, used…
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Pay Day Loan Advice/Questions
Hi This is my first time posting here after reading through the forum it seems there are some nice helpful people on here.. I've been a fool and recently taken out 2 pay day loans, one with Wonga & the other being with Quickquid. I have some worries though, I've figured out how I'm going to pay back what I owe, it's just I…
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Moneybarn
Good morning, I wonder if anyone can help me, I purchased a convertible car on 6th March 2013 as a Conditional Sale using Moneybarn. On the 16th March 2013 the roof started to leak so I contacted the dealer and they asked me to take it back which is 100 miles from my home, I got booked in for the 3rd April and they cleared…
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Ex is not paying me what he owes
I took out a 10k loan when I was still with my ex and we were happy (!) We split up and he continued to pay the monthly cost as the loan was to clear his debts. He stopped paying the monthly cost two months ago and has stopped all contact. He will not reply to emails or texts, but I think he is using my email for online…
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My ex is using my address to obtain credit. Need some advice please
Wondering if anyone can help me... Me and my ex bought a house together five years ago, I left after a year, he stayed in the house for another two years and didn't pay the mortgage, council tax etc got in to serious debt. I convinced him to move out and rent out the property. January this year he lost his job and told me…