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Securing a loan without a job - advice desperately needed
OK, here's my situation: I resigned from my job after 11 years employment as I wanted a change, and further to divorce, I used this gap to spend more time with my two children while I decided what path to chose with my career. During this time I fell quite ill, spending 6 weeks in hospital, only being discharged a few days…
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TSB Loan
How long does it take for an online additional payment for a tsb loan take to register on your account? If I pay off a huge chunk of my loan now and leave just the direct debit amount which is due tomorrow will the additional payment register first or will it take a few days to process?
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Rejected Loan
I have a credit rating of 999, I am up to date with payments, I had a couple of months, where I was late in payment around 12 months ago on my mortgage. As I was working away and forgot if I am honest..... I also have a salary of 80k. One card with 1500 on it. M&S have just rejected a 15k loan for a car from me.... Can you…
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Coop Bank Charges to create charges
Hi, I'm currently a student and in September 2012 i took out a student account with the Coop Bank after reading that at the time it was the best student account around with a 0% interest overdraft. I created the account knowing that a year after i graduated (around July 2016) i would have to start paying the overdraft…
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Second Charge Loan Application
I have applied for a second charge loan and have received a DIP from the lender. I have received the first documents from the lender which I have signed and returned with the other information they requested (payslips etc) I have been advised that the final documents will be sent tome for signing on day 8 of the…
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Pay off TSB loan in lump sum with no charge?
Hi I have a tsb loan of £948 which I want to pay off as an extra payment without incurring the two month interest charge. Does anyone know how to go about this? I have seen on here about paying off a certain amount less a tenner or something but my direct debit of £70 is due tomorrow so if I leave that plus an extra tenner…
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15000 pounds loan
i just applied for HSBC loan for 15000 pounds, and the final quote was 9.9% APR. i haven't taken it. very disappointed as i bank with hsbc for the last 10 years and thought i would get the 3.9% APR as advertised. what should i do now is the question. should i apply to other loan lenders and see what i get? Thanks
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Loan or Credit Card
Hi I have 3 credit cards with debt remaining on them. Of the 3 only 1 is charging a small amount of interest. My question is am I better placed to continue with paying off the credit cards monthly or getting a loan to consolidate them. I'm aware that if I get a loan I will of course be paying interest as a guarantee…
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payday loans
i have a question with the decesion by or for wonga about repayments does anyone now if any other companys will be doing the same as they all have appeared to be the same so why are other companys not doing refunds i spoke to one who i have outstanding amount with which defaulted and paying back by plan and they just said…
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At the end of my tether
Ill start my story by telling you where i was 18 months ago. I was running a local computer repair business after being forced to go self employed by our draconian government still in power at the moment. That business failed because i live in a small area and demand for computer repairs was not there. Now 12 months later…
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Advice on debt
My husband has a £7500 debt on his credit card he uses for his business. We have just reach the limit due to large repair on my car. We have looked at option of A- business loan with Barclays for above amount. Never had a loan for business in past as I helped with start up. B- balance transfer to Barclays platinum credit…
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Welcome Finance Woes
Ive been a customer of Welcome finance for 12 years having unsecured loans up until around 5 years ago when I took out a secured loan, From memory it was around 22k (I have requested a breakdown of info from welcome so will report back with that) Paying back currently at £250 a month until this month and last when I had no…
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Loan brokers warning/help
Hi So I'll explain the situation as it is for me at the moment mainly as a bit of a warning for anyone who might make the same mistake as me and also for any advice anyone can give. Last week was a bit dire for me and I decided to look for a short term loan (I know I'm stupid and in the end I didn't take one anyway). At…
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MSE News: Payday loan brokers catching hard-up consumers out, warns Natwest
Payday loan brokers made more than one million attempts to remove money from accounts, according to NatWest ... Read the full story: Payday loan brokers catching hard-up consumers out, warns Natwest Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our…
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Welcome Finance Settlement
Hello, just wondering if anyone has any advice for me re Welcome Finance & their settlement policies? My partner took a loan secured against his house with Welcome approx 7 years ago. He borrowed £7k and has been paying back £180 religiously every month. So far he has paid over £15k and still owes £12,400!! They have been…
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In serious need of advice.
Hi savers! I'm in serious need of advice. I have been hit with an accident that is either going to cost me my job, or around about £2k I don't have, and don't know where to find it from. Essentially the front of my motorbike has been crushed, and will cost "easily over £1k" to fix it is insured for TP, F & T but that…
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Car Loan Documentation
I purchased a new car at the start of September, paying on 3 years 0% finance. On picking the car up I was surprised not to receive any paperwork of any kind re the finance but thought something would come in the post. Then the first payment date came and went but still no paperwork. My wife received a call from someone…
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Guardian article on Loan Brokers
There's an interesting article on Loan Brokers on today's Guardian website. http://www.theguardian.com/money/2014/oct/29/payday-loan-brokers-bank-accounts-poor-customers It's good to know that some banks are actually taking action on the problem. But it's a pity others don't seem to be.
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erudio
I applied for deferment of student loans repayment in May this year. When I applied for deferment I was a full-time student and as far as I understand, was fully eligible for deferment. I started a full-time job in september which takes me above the threshold and I expected that I would start paying back my student loan,…
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How much debt is reasonable
Hi I've posted in other areas on the site (and others) amount my 0%credit card. However what proportion of say house hold income/gross salary is considered reasonable as debt? I know that hubby and I have 'excellent'credit scores with both above 980, and always getting large ish limits on credit offers. But when does debt…
