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Mortgage Reserve Account - Loan
I need to borrow £5000.00 to pay off a charge against my property. Would it be a good idea to use my mortgage reserve account to access the funds? My mortgage has a 0.99% interest rate & 14 years remaining. Thanks for any help or advise :undecided
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Student Loans Payments Missed Off Latest Wages - Do you have to pay it back?
I recently moved employer (which will be for 6 months), on checking my payslip they have not taken my student loan payment. I know that student loan payments should be the last money you ever pay back and I have an overdraft to pay off at the moment too. If I ignore this for the next 6 months (I'm sure it will revert to…
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Asset rich cash poor
I am 45 years old and own 3 properties outright. I currently am unable to work as a result of a severe spinal injury and am in receipt of ESA which is £400. I am unable to live on this and have until this month lived on my savings. They have now completely gone and I have no idea how I will pay my bills. I have a poor…
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HSBC and Payplan problems !
Hello! :j I have started a DMP with Payplan in July this year. After a couple of months I have been able to get 8/9 creditors to accept my DMP plan all apart from HSBC who seem to be 'unaware'. Basically at the end of August Payplan have sent out a financial statement to everybody. Within a few weeks everyone had accepted…
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Son confused !
Son has just phoned to say he applied for a small payday loan (against my advice - but hey he's 27). He applied through Heart Payday and then received 3 emails saying loan approved from 3 different companies: quiddi Quickquid Payday express All saying ''just sign here to complete'' My thoughts are ''Is Heart Payday'' a…
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DO I Owe money
Does anyone know how I can check if I am in debt to a loan company. I have suspicions that my ex partner may have taken out a loan, whilst we were together, and included me on the application
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credit union loans for xmas
hello im wondering if any one knows much about credit union loans iv been with credit union for a year and half iv had 3 loans and my next loan is due around the end of November any way im really needing a loan for Xmas and i don't no if im going to get it in time because some people are saying theres a time limit to apply…
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DMP and CDL?
Hi all I am sooooo nearly there, but have hit upon a crisis as my partner has just been made redundant. The business he was working for has failed so he hasn't even been paid for this month and we had no notice! To make it worse, I've just started training to be a health visitor and I have no idea how I'll make ends meet.…
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Early Settlement - no reduction
Hi all, I have had a loan with Natwest for around 5 years now and have recently contacted them to ask for a settlement figure. I have just received the paperwork and was shocked to see that they are offering no rebate for paying the loan off around 1.5 years early. Why would I not get the interest on the loan for the 1.5…
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Loan Purpose
I am employed full time and also sells online Amazon/Ebay. I just got my first credit card couple weeks ago. I really needed it to buy inventories for my online store. I can't keep up with my orders and I know Christmas demand will be greater, hence I need additional finances, therefore I will be applying for a personal…
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Paying car loan off vs saving house deposit
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Loan query for new kitchen
Hi everyone and thanks in advance for reading . I'm wanting to put in new kitchen, on a house we have currently been renovating .. I wasn't going to do this until next year as we have already done slot of work on house using savings. But the kitchen we love has been dropped to half price plus 20% off . We planned of…
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loan application
I was wondering if anyone had experienced this, I recieved a letter from amigo loans this morning stating that my account is active and this was my pin. It said I set up the account in july 2014 and was ready to use. Thing is I never set up an account! Is it possible amigo loans have used my details from other credit…
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will refusing a loan offer affect my credit score?
I recently applied for a loan and it's in the process of paperwork, so the loan has not been accepted by me yet. iv'e seen another loan from a different bank with a better rate, if i refuse my current loan application will that have any negative effect on me?
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Financing postgrad and getting out of debt
Hi guys Apologies for the long text in advance.. This is such a big step for me. Wanted to share my situation and get your thoughts. If you have any ideas, please share, any help is welcome. I have embarked on a road of getting a Masters. I have already started the course and wired a down payment to the school and have GBP…
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Car Leasing instead of loan
I need to find a car leasing company which only uses Equifax, can anyone help? I think this might be a better option for me (dippy female when it comes to such things) than getting a loan. If it matters what car I want then it's a peugeot 207 convertible but peugeot themselves use Experian. Otherwise, I need to find a…
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Loan and credit rating advice.
Hello everyone I have been offered a loan of £10,000 at 16% APR by Santander, I could use the money but don't really need it, however I would like to improve my credit rating so my question is: Does having a loan improve my credit rating? I have the option of early repayment so I could borrow and pay it off after 6 months…
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Loan to pay off Car Finance
Hi... Should I get a personal loan (with cheap APR/interest) to pay off my car finance (high APR/interest) to save money? Is this allowed/possible! Thanks!
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£5000 loan
I need a £5,000 loan to clear a mortgage .I need it by January 2015 .I can make payments of around £700 per month . What is the best way to do this . 1 a bank loan or 2 credit card . Can I use a 0 % credit card to clear a mortgage debt . At present I owe £40 on a credit card no other debts .My present credit card has a…
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WONGA lent me more than they advertised!
Wonga advertised that you could borrow up to £1000. However they lent me £1200 they did this for 2+years. I am currently with step change and its all being paid off over 5 years. I'm lucky enough to be one of they few who's just found out that they are wiping my current debt. That said I've now got a handle on things and I…
