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Payday loans advice - help!!
Hi all My partner has a huge history of payday loans on his credit report between 2011-2014 All were repaid on time with no late payments or arrangements, however I am now worried this will prevent us getting a mortgage. None will be taken out ever again! Do you think there is any possibility, at all, the payday loan…
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Car finance
My credit rating is 939 and I'm not sure if my rating is good enough to be accepted for car finance. I don't want to apply until I'm pretty sure I get accepted. As i know it goes against me if I apply and get turned down Can anyone help?
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Car loan early payment.
Hello. This is my first post and would be grateful of any advice you can offer. My question is. My farther is looking to buy a car and has decided on a new Ford Mondeo. He has always paid for cars in the past up front and has never had a loan on finance. However these days its pretty much the only way they sell cars and…
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Paying a loan off early?
Hi Quick question. My husband and I are looking to put our house up for sale in the summer and are currently getting our finances in order before we apply for a mortgage. We had a few credit cards, OD and loans between us but, thanks to help from family, have cleared nearly everything except one last loan which we hold…
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Secured Loan question
Hi Everyone, I'm a home owner (mortgaged, 6 months into a 2 year fix that can't be amended) and currently have an unsecured loan of 25,000 over 7 years that we did for home improvements. We've been hit by another couple of issues (car replacement and some more home maintenance) and after speaking to our bank to gain…
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loans - fair credit history
My credit score according to credit expert is 874 (comes out at 'fair') - I am hoping to get a loan for 12000 - do you think its worth applying, or do I need to get my credit score up? I have finance already on a car and I have never missed a payment on that.... any advice would be great
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Can the Bank change my loan terms?
Evening readers, Just want to run it past you peeps, cos I'm confused.... Took out a loan with my Bankers in September, fixed rate for duration of 3 years. Received phone call yesterday from Bank asking would I like an appt with the financial advisor. I have just under £1k on their credit card, and she seemed to suggest…
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loan for wedding
We need a loan for 7500 pounds to pay for our wedding.we live in a house payed for no mortgage no other debts.I work full time my partner is a full time mum.my partner has never borrowed ever I have had a mortgage in a previous marriage payed off.loans and credit cards all payed off. my credit score with experian is 922.…
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Paragon by the short and frustrated curlies
Hi all I am having trouble with Paragon also, sadly in or around 2005/06 my ex wife forged my signature on a loan which was £46000 to which my house was tied for the 25 yrs of the mortgage. This only came to light when the British Consulate contacted me on behalf of Paragon who had discovered I was serving overseas...! My…
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V12 Retail Finance?????
I applied for credit yesterday with V12 Retail Finance, I got an email saying I would get a email shortly with there decision and this was at 11:58am yesterday and I've still received nothing! Has anyone used V12 Retail Finance before and if so is this normal? I have a good credit rating and I'm sure I may have even used…
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Student Loan
Hi, couldn t find any section about SL questions. Before I go into any lenghts has anybody got any experience with SLs before 99? Many thanks. C
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Accepted for a loan I don't need now
I have recently been accepted for a loan as I thought I would need extra money following the sale of my house, to pay off a sinking fund payment required by the leaseholder. As it turns out the leaseholder completely miscalculated what payment I was due to make and I now don't need the loan. I haven't returned the signed…
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Early Loan Repayments. Paying More Monthly
Hi All, I am two months away from debt freedom, after 6 years. And obviously I cant wait, however, someone took out the loan for me and I have been paying more than the original agreement. I got £3000 and the loan total was 3241.20. the monthly payment under agreement was 24 payments of 135.05, however I paid the person…
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Chances of a loan
Wonder if you can help. My other half currently has a loan of £12k that has 4 years left that he took out for home improvements a year ago. He's looking to get a £20k loan over 5 years consolidating the £12k with a different bank to where we currently have the loan for further home improvements. He's putting through a…
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MSE News: Wonga escapes police probe over 'fake' lawyer letters
The police has today announced it won't carry out a criminal investigation into Wonga's dodgy debt collection practices ... Read the full story: Wonga escapes police probe over 'fake' lawyer letters 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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Pay off loan with savings?
Just after a bit of advice, not sure of the best place to go now for free financial advice. I have an outstanding car loan which has 2 years left which I've just noticed I'm paying around £90/month interest on, after which there is the final lump sum payment. I am trying to save as much as possible at the moment to have…
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car loan off parent
Hi. My girlfriend borrowed 6000 14 months ago from her mother and step dad. It was agreed that it would be paid back at 100 a month til paid. We have paid 100 a month for last 14 months on time every month. She recently got 10000 inheritance which she has paid off her other debts with interest and it now just leaves the…
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118 Loans
Hi, Has anyone tried to get a 118 loan with bad credit? And how did they get on. I've got bad credit but can easily afford repayments on every loan but nobody will touch me with my poor history!
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Natwest Error in loan agreement
Good Afternoon, I recently set up a consolidation loan with Natwest, to encompass my overdraft and two existing loans. This was agreed in October, subject to a six month affordability check, whereby I had to make the appropriate payments on time in order to show that this loan would be within my means. The first payment…
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Should i take a new loan?
Hi, I have a loan at 7.9% APR, and with the same lender can take out a new loan to pay this off (pre approved loan) at 5.9%. I am only 1 month into a 60 month term. Should I do this? conversely I could lend another £700 and have the same repayments that I do now, but 1 month longer (monthly repayments are only around…
