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Barclay Loan Overpayment?
Hi All, My car has broken and I need to take a fairly short term 13k loan to replace it. I'm pre approved with Barclays, at a rate of 6.7%, but I can't get a clear understanding of the option to overpay and what the penalty would be for early repayment. Can anyone give an idea of what this would be? I don't mind leaving…
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Accepted online ..then rejected.
Just out of curiosity really- I applied for a Sainsburys personal loan online after a 9/10 possible acceptance rating by Moneysupermarket smart search. Application went through and was accepted successfully but then had an email a few hours later telling me that they could not offer me the loan with the usual no…
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Help needed please!
A company called Smart Loans has taken £68.50 from my bank account, (i'm guessing its a broker fee) although I don't recall using a broker. Can anyone help track this company down so I can request a refund? Thanks!
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Paid of loan early and I am looking to get another
Hi, I am new here so I apologise if my question has been asked many times before. I have just paid off my loan early and am looking to get a new loan so I can get a new car. My question is would it be beneficial to wait a certain length of time before I start doing pre-checks for a new loan as I do not have a huge amount…
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Student Loan Repayments Mix Up
My student loan hasn't been taken from my monthly pay since September, when I started a new job. I spoke to my employer who as far as I know has done nothing about this, even with a reminder. Repayments are likely to have been about £100 a month, so it is a significant chunk that I haven't repaid. Questions I have, if…
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A 7000 pound loan
I have 2 long term arrangement to pay had a few defaults all paid apart from one which will be paid back in September in full the last defaulted account will removed from my file on the 2 nd of June what are my chances of finding a company that would give me a 7000 pound loan to clear the arrangements after June one…
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Borrow more than I need then repay some to reduce interest?
Hi, Sorry if this is a very stupid question but I am considering a loan from First Direct. I would be looking to borrow £5000 over 72 months for which they quote £82.80 a month (6.1%). Would it be better to borrow £7000 (which qualifies for a lower rate; 4.7%) and immediately pay back £2000? I can't see anything in the…
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Student Loans - 1994-1997 - Assignment to Erudio
Hi All I'll try and keep this short... this will probably fail! I posted about these loans November last year and have just received a letter (headed from Student Loans Company) that my loans between 1994-1997 have been assigned to Erudio Student Loans. I defaulted on these loans way back in about 1999/2000ish. You can…
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Increase repayments on car finance to reduce overall interest
Hi all, I've had a look around the site and elsewhere on search engines to no avail. I'm unable to contact Santander as they are only open Mon-Fri 9am to 5pm. My question is this: I have a Fixed Sum Loan for a car I purchased 5 months ago. I have been thinking of increasing the amount of repayment as the salesman said that…
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Loan With Defaults
A few years ago i hit bad times and had a lot of debt which i intended to pay off but my plan never got the chance to work as i lost my job and was out of work for 2 years. Im paying my debt off over 10 years in a debt arrangement scheme. I have 6 defaults on my credit file. I do have an excellent credit score despite the…
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would the courts actually accept this
My total debt is quite small to most of you, around under 3k, i earn well over 2k a week just none of them are willing to take smaller payments so i ignore them. They cant actually do much other then send an email. Most of the payday loans are over 2 years old and frozen. I get silly messages like "we have just visited…
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Chances of getting a loan (co-op bank)
Hi all, I'm looking to purchase a new car at around 10k and am wanting to take out a loan to cover it. I am currently earning about £1600/month (after paying into my pension) and have outgoings of around £500/month (rent & phone bill). The reason I want to take out a loan is because I'm saving for a deposit for a house and…
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Question regarding car finance
Hi all, I have a question regarding possible car finance we might be looking at next month. We are looking at buying a new family car. After driving around in old rust buckets for 10 years, it would be nice to own a nice new, hopefully far more reliable family car. We're not going crazy and looking at luxury makes/models.…
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Contact number for Shoosmiths LLP / Tesco Debt
Hi, Apologies but I cannot seem to find the information I need anywhere, I am not great on a computer so that's probably why. I have a debt with Tesco Bank who passed it on to a company called Shoosmiths LLP. All my paperwork got damaged in a mini flood at home so I am just after a contact number for them so I can get a…
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advice on a new 10,000 loan pls
Hello , i am new to this site, after some advice on applying for a 10,000 loan pls. ive never had a loan before or credit card , so really would be gratefull, as i have not got a clue what i am doing & dont want to agree to something silly. ive checked my noodle credit score its 3/5 & my partners is 1/5 , all the bills…
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Can someone help me work out the interest rate on this loan?
Hi. Can I pick someone's brains please. Paying £606.54 p.m for 36 months on a loan of £20,000. What is the interest rate? I can't find the paperwork. Thanks for your help.
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TV Show "Posh Pawn" - Why Get a Loan?
Hi, I just watched Posh Pawn, and two different ladies each had an expensive diamond necklace that they took to the pawn shop, hoping to get a loan for £40 and £20 respectively. Their items were worth £250,000 and £120,000 respectively. The first accepted £120,000 to sell her necklace, even though it was worth more than…
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paid loan early but had to pay all future interest
Hi all, My wife and i had a loan about 15 years ago which I think was secured against the house, we had bad credit at the time and I cannot remember the company it was with. We remortgaged several years before the loan was due to finish and I assumed we would get some money back from the interest of paying the loan early,…
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2nd charge on mortgage free house.
mortgage paid off recently , the bank say a loan company (PAID OFF YEARS AGO ) still hold a 2nd charge on the house. What does house owner do next.
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Buy as you view claim I am £770 in arrears!
I have been with buy as you view for around 5 years. I have never missed a payment and for the last four years I have been paying by direct debit. My direct debit has been £9.80 for the last couple of years. An agent for BAYV came to my home today and told my girlfriend that I was £770 in arrears. He said that he needed to…
