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Emoney Union - any experience
My husband will be looking for a loan in the enar future and came across this emoney union. Does anyone have any experience or information on them as on paper they look quite appealing?
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DFS - santander
Anybody know how to get hold of Santander Finance through DFS. I owe them about £700, they have not asked me to repay me the money in the past 2 years and I am sure that they would appreciate a call to start repaying the money. Thanks:D
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Personal Guarantor for company car lease
Hello, I was a director for a company over 6 months ago and resigned and left to start my own fledgling business. The company i left is now failing to pay its creditors and i have had a letter today from Mercedes Benz finance. The letter states that i am still a Guarantor and are now liable to pay for the outstanding debt…
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09050058839 and 09061931230
Thanks to our phone provider (Plusnet) I was alerted to two calls to the above numbers totalling £45+ made from my number (unauthorised). I believe these numbers are for Cash Finance Direct or associated enterprises. I had a similar problem 12 months ago which took over 6 weeks to elicit a refund. Can any members of this…
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UK Credit Ltd
Hi, new to the forum so apologies if I get something wrong. Has anyone had any dealings with UK Credit of Norwich. My wife has a loan with them and we have run into a bit of difficulty and set up an agreement but they started to hassle and threaten her at 11:30am on the day the payment was due. I am currently in discussion…
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Small poor credit loan?
Hi guys and gals, I am in dire need of a £5k loan to pay off debts, once paid of i can easily afford the single loan repayment however the charges coming from my cards and bills are crippling me now. I have bad credit and no possible guarantors due to my whole family having terrible credit. Can anyone recommend a loan…
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Wonga Compensation
I'm just wondering if anyone has received their compensation from Wonga for their use of fake solicitor letters? Or indeed if anyone has had any update from the initial flurry of contact?
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Confused about huge loan debt!
Hi everyone, Im a student and before i started i took out quite a few payday loans and short term loans, i did have the means to pay them off which i have done, i did however miss one payment to Mr Lender, who even after I rung and explained my student status they sold my loan to MotorMile Finance? I emailed the company…
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Loan from bank yesterday when will debts be paid
Hi I managed to get a loan from my bank yesterday ( natwest) to consolidate my loans, the money went into my account within a few hours and payments were set up to transfer money for my debts today so I think that would've been at midnight. It's showing on my online banking with natwest the payments have been robe I just…
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Requesting larger loan to access improved interest rate
I'm considering applying for a personal loan to cover some unexpected expenses (I need to move into alternative rented accommodation asap). I have however noticed that the interest rates my bank (NatWest) are offering aren't great for the amount I want to borrow (£3000). I also have £2000 left to pay on a student credit…
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Overpay or money transfer?
Hi everyone, Looking for some advice please.... I (very stupidly) took out a loan in August 2014 with BOS to consolidate various debts = £6000 at 12.9%. This would not have been my only option as i have a good credit rating but i was pre-approved and didn't think it through properly :( Luckily its a flexible loan so since…
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Advice regarding Credit Cards
I'm enquiring on behalf of my father and I am also apologising in advance if what I write doesn't come across in the right way or make sense. My Dad has 2 credit cards, 1 Halifax and 1 Santander Balance transfer card. He has asked me to enquire as to whether there's an option out there for him to take a loan out to pay the…
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credit card and loan
Hi I have a HSBC credit card with 4500 GBP at 18.9% APR and a HSBC loan of 10000 GBP at 3.9%. I pay around 200 GBP to the Loan and 100GBP to the credit card. How can I consolidate this two?
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Personal Loan to Buy My Home
Hi. I inquired about buying my flat under the Right to Buy scheme. With my discount the price would be just under £20K. I am on a low income (private pension) and paying off a loan (plus service charge) would give me a saving of at least £30 a month on my current rent which is a big deal to me (especially with expected…
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Car Hire Purchase with poor credit - advice please
Hi Guys My husband owns our house and is a teacher earning 35k. He has a poor credit rating because last summer I failed to pay 2 months on our next account (I lost my job and my direct debits bounced). The other reason is he is close to his 12k limit on his credit card. However, no mortgage payments ever missed, no credit…
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Is Wonga out of Wonga?
Hi, Bit miffed off with Wonga at the moment. Since Wonga had their wrist slapped by the "Financial Powers That Be" I, together with thousand of others have had my account 'suspended'. I cannot get a Loan with them - even though my "credit history" with them is good/excellent. This is a chat conversation I had with them…
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Experian & Loans
Ok so I signed up for Experian credit check (I know about noddle etc) because I am planning to get a new car and wanted to check my rating. Amazingly I have 977 out of 1000. I'm not entirely sure how but hey I'm not complaining. My question is that on the page - it has: Financial Deals Financial products matched to your…
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lloyds loan - increase borrowing
tried in to increase my flexible loan via online banking and it came up with apr at 22% (its currently 8%) Ive over paid this loan by £300 every month and paid back an extra £200 and almost paid half of it back ( its only been open 7 months!). I phoned up the loans dept and was told they had a message on screen saying 'no…
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Student Loan for Studying Abroad
Hi Guys, I hope I am posting this in the right section. If it isn't, I apologise. Basically I am looking to study abroad as SAE Institute (Audio Engineering) for 2 years, and I'm trying to find out whether there are any loans/grants or anything that I would be applicable for that would be suitable. From searching and…
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First Direct Loan Overpayments
Hi all, I was hoping you could help me work out how my overpayments are affecting my interest on the loan. I took out a loan for 25k and was told the total interest was a horrendous 7,029.00 so around 11.9% APR. I needed it for Debt consolidation and so it worked out better for me at the time. Anyway! I have "Loan…
