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Advice Please
Hi any advice welcome. I have had ford finance over the years but I px a car 4 years old with them and brought a new one where you pay for 2 years and then you can re finance or buy another one or just give it back ,my 2 years are up in aug so went back to have a chat only to be told they can't give me finance due to the…
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car finance
hi today i singed a finance contact for a used car in lookers but getting home it seems way to high and i am not happy with it. can i still cancel this tomorrow ? i dont have the car until the end of the week. do i get a cooling off period ? thanks
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Likely loans.com
Anybody got any experience of this company? Just applied and said I was accepted subject to checks. Got a feeling they accept everyone then later refuse them. Thanks in advance
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Is there a way?
I came to the UK on a workingholiday 20 years ago. Not too long after my arrival here, my home country startedto flounder and as unpalatable as it is I found myself on the wrong side of aracial divide. I have always worked in full time employment currently earningmore than £60k p/a and I pay my dues, I shouldhave a good…
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Credit Union Loan - advice needed!
Hi everyone, I hope someone can help me as I'm going in circles myself! Due to some difficult personal circumstances, my husband and I are going to have to try for a mortgage very soon and I've been trying to make sure my credit file is tidied up. I had a loan from a credit union and it became part of my Debt Management…
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Large loan to clear a multitude of debt
Hello, I hope you guys can help, after a few years of buying and renovating our first home myself and my wife have racked up some debt. We both have had decent pay increases so now it’s time to knuckle down and clear our debt. We have been looking at applying for a joint loan to clear all or as much debt as we can with a…
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What is the Loan to income ratio these days?
Hi, I would like to apply for an unsecured loan of £15,000 for home improvements and I wondered what the loan to income ratio is these days. My income is £1500 per month and my available after bills etc is £600 per month. Would this be enough for £15,000 or would I get less than this?
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Sort Code Confusion with A&L
I hope you can help me! I wish to pay my fathers loan off but don't want to ask him for his details again as he will refuse! I have a bank account number for him but two different sort codes! I know one is the loan and the other his current - is there any way of checking? I have tried online sort code checkers but they…
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Tesco Loan
Hi, i recently applied for a loan from Tesco Bank, my request was accepted in principal and i was mailed an offer letter, with request for documentation. But.. the offer was for higher APR than i had applied for, taking up the total pay back an extra £1000 and the monthly payments up an extra £30 or so.. I'm not too happy…
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Consolidation Loan
Hi, I have just applied to Sainsbury's for a 7.5k loan at 3.7% interest to pay off a 6.5k credit card and my overdraft. However, those cheeky chappies have offered me the loan at 12.5%, so I have cancelled it. I understand that this application could have affected my credit rating and I am loathe to make another…
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Marriott Vacation Club Loan
Hi, In 2004 we took out a loan with First National to purchase two weeks with the Marriott Vacation Club. We were told at the time that this could be re-payed early at any time and we could also pay off chunks if we wanted to. When we tried to obtain an early settlement figure last week we were told that the amount would…
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Funding training to become a pilot
Hi My partner wants to become a commercial pilot, which is going to cost £85-115k (gulp). I have about £30k of savings and a property worth £65-75k. I earn £66k so although I could afford repayments due to the low value of my flat as security am not sure the BBVA scheme is suitable Has anyone gone any other ideas worth…
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Best time of year to apply for credit?
It may seem like a stupid question - it may BE as stupid question - but I was wondering if anyone has ever heard of there being good or bad times of the year to apply for credit? I suppose I'm wondering if lending / approvals are ever adjusted due to fiscal end of year targets, over or under take up from advertising or…
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Business Finance
How much you can borrow to purchase a business? I realise there will be many factors relating to the purchaser and the business that could affect this, but is there a general rule such as 40% for a leasehold business and 60% for a freehold business?
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Self Employed and Looking For a Car Loan
Hi folks, I currently have a car on finance which I would like to buy at the end of the agreement. What is the cheapest way I can fund 10k for the car? I currently have an APR of 6.9% so if there is anything I can do to improve on that then that would be amazing. I believe my credit rating should not have any marks on it…
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Loan for debt consolidation
Hi I'm a little confused & to be honest scared of taking the plunge. I'm trying to build my credit file back up following very difficult time after divorce, which ended up with me incurring 2x CCJ's. These have been satisfied over 6yrs ago & have disappeared from my credit file. Experian shows me having "good" score…
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Mis sold a Halifax loan
I wanted to know if I have a case, I was on 25k in 2008 ish I had a 30,000 k loan with Natwest payment 368 and another Halifax loan for 10000 paying 150. I called up Halifax to get a redemption to my Halifax loan just to understand how much was left then they went on their do you have any other debts I told them I do, they…
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Not happy with Santander APR offered, whats the best course of action?
Hi, I wondered if anyone could assist me. The situation is as follows; I applied for a loan from Santander to buy a car, the headline rate for the loan was 4.9% APR but in the email I received from them saying I'd been accepted the terms offered were 17.9% APR. I'm now stuck asI don't know the implicationsof cancelling the…
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feel cheated by lloyds
Hi So I applied online for a loan and was approved a rate of 15% Apr. The Quote was valid until 20th March, or so it said on my Internet banking screen. I then log in on 19th March to see the loan offer has vanished and when I try again the loan is declined. Then I call them up and they give me a quote of 29.9% Apr! They…
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Business loans for small business
Hi, I'm looking for a loan for my business, and having been turned down by my bank, I wondered if there are any good alternatives out there. A Google search brings up a myriad of options, but i would rather have some guidance from anyone with experience in this field. We're a design business, trading over 7 years, turning…
