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Personal Loan vs Credit Card for a small amount?
Hi I moved into a flat not long ago, the neighbours are a problem and i need to move out again as i have lost a couple of days from work because of it. This is private let accommodation, the lettings agency and owner agreed to release me early from my tenency agreement. I have seen a nice flat which seems to have no…
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Barclayloan Early Repayment
This is my first post so be Gentle with me ;) I took out a Barclay loan to help fund my recent wedding and a car. The loan amount was for £16000 and costing me £354 per month. I now have the funds to repay what I owe in full which at present is £11432.16 however when calling Barclays they kindly inform me that the…
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Urgently need cash :(
Hi all, Does anyone know of anywhere that lends £10 - £20? I have tried wonga but they cannot validate my card. I have had an unexpected bill taken from my account today - leaving me completely skint till Friday. If anyone can suggest another company that can payout instantly as I really need the cash by early morning.…
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Two single loans merged into one
My father passed away last January and my mum is finalising their money situation. All of the debt in Dad's name has been resolved, with the exception of an old loan with Lloyds Bank. I'm trying to help to get the bottom of what has happened, but the short story is that some of the money they borrowed ended up on two…
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Desperate situation - need to borrow £50k
Due to neglect and carelessness I have a major liability to HMRC possibly around £50,000. I need a loan of this amount over 10 years which will be easily payable from my main job and part time business. In terms of assets I have: 1x house with Mortgage of £116500. The house is worth around £135000. 1x building site with…
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Why is my daughter unable to get a car loan?
Hi My daughter is 20yo and has been working full time since leaving school. Her monthly income after tax is over £900 and her regular outgoing amount to around £200. She has her phone bill and car insurance coming out of her account by direct debit. She has been unsuccessful in obtaining a loan or even a credit card in…
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First loan application help
Hi all, I would like some advise regarding my first loan which I'm using to purchase my first car. I don't really have a credit profile as I have never borrowed money before and only had a mobile phone contract. I've recently taken out a credit card which has a high percentage interest rate but I plan to use it to increase…
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Want to get rid of my car that is on finance
A year ago, DH bought a 59 reg car. He was commuting 86 miles a day. However, he got a new job locally and we no longer need the car. He now cycles to work. We asked for an early settlement figure and they gave us an amount of £6900. DH recons similar cars are up for £6000 on autotrader and we would like to try and sell…
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Releasing equity to buy a second property
Own my property with a mortgage of £136k. Property worth £600k. Want to release equity to buy a property with opportunity for conversion for my son estimated at £75k to £100k The property needs converting and currently has no planning although been advised this shouldn't be a problem. Advised by current lender HSBC of…
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Student Loan - pre/post 2005/06
Hi, I think I am in quite an unusual position with regards to my student loan and I would appreciate any insight anyone can provide! *I first took a student loan from 2003/04 to 2006/07 (so pre 2006) totalling roughly £9500. *I then qualified for additional funding from SLC for 2009-11 as I was studying a SKE followed by…
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Nationwide soft-search loan - can you tell if you'll be accepted?
Hi all, Just did the soft search with Nationwide for a 5k loan over 4 years, and got 9.9%. Has anybody had any experience with the soft search? I don't want to go ahead and make a full application if I'll be rejected, so if anybody has got a quote and then gone through with their application, any advice would be gratefully…
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Serious debt problem after payday loans given to 17 yr old
Before he met me my boyfriend was going through a tough time and took out multiple payday and logbook loans. for the past 2 years he's been trying to pay them off but he's been struggling with most months the repayments taking almost all his monthly incomes. The past 3 months he's been signed off work due to depression and…
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Payday Loans on credit file
Hi All After some advice and guidance to get clear of debt. I had a bit of an issue a few years ago and got myself into some debt. No with a very serious job and good income coming in I, as all are, are keen to see my credit file nice and clean. However, I have found a couple of Payday Loan debts on there that I can't…
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Hitachi personal finance
I applied for a loan of £3000 today. I was told it was approved but at a higher interest rate than the one first quoted. It then told me to check that the interest rate was acceptable to me and gave me a list of loan particulars. I accepted and signed the loan agreement electronically. This may sound daft but does that men…
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DFH and MEM Financial
Good Afternoon All I am looking for advice, I know from reading the threads that it was not a wise option to go with DFH but I did. I had an agreement set up with DFH ltd to clear my debt . I have completed my management plan and was under the assumption that I was debt free however a payday loan has not been paid and I…
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short term loan
Hi, any sensible suggestions on this question? We sold our house and downsized into a small retirement flat (that we inherited) as a temporary measure whilst we look for a more suitable and spacious apartment. We have the proceeds in various accounts and ISA's and this amounts to around £310K. We envisaged buying an…
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£50000 unsecured loans?
Simple question - how can I swap £50,000 of expensive credit card debt to a (much) lower unsecured personal/consolidation load (ideally long-term with low/no settlement penalty). Why unsecured? - plenty of equity in my property but my banks surveyor delivered a crazy 'forced sale' valuation, so I can't approach the market…
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Car Finance disaster-please help!
This is my firs time posting so here goes! December 2012 I got finance on a 2005 Mini Cooper. I put down a £500 deposit and the total to pay was £6000. I had three months warranty with the garage, although they had told me they had just replaced the brake pads and everything was fine. Two months in and the fusers for my…
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Perfect home agreement
Not Sure where to place this so putting it here sorry if it's in wrong section, I took out a laptop with perfect homes 7 months ago. I want to send the laptop back as really i can't afford it and need to pay my creditors as i have alot of debt.I have tried ringing perfect homes and explained my situation and asked if i…
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Iadvance help
I have the mastercard cash plus credit builder card...which gives me an iadvance for a set amount days. I took out £150 on the 28th march total off £225 to be paid on the 25th april. I came into a bit of money which I was due £120 so I transferred this to my cash plus account and called them to out that towards my advance…
