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New Loan
Hi All I have recently took out a loan for £1500 with my bank but have now discovered that I am going to need another £1500 to complete the work needed at home. How badly will it affect my credit score if I consolidate and get a new loan of an additional £1500? Help/Advice greatly appreciated. Cheers Louis
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Hire Purchase nightmare - Please Help!
Hi all, I am 6 months into a five year Hire Purchase agreement on a Toyota GT86. I initially bought it used, so it won't have depreciated much from the value that i paid since i purchased it My initial cost of insurance was 1.2k. The cost for renewal with recent endorsements will be more than double - combined with some…
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forced to repay student grant
Hi folks, If this question should be in another category, please direct me. I have problem with supplementary student grant (few thousands), received in 2009-2010. Back then I was EU migrant worker and a full time university student. I was advised to apply for supplementary grant to help with living costs which is not paid…
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Help for a loan
Hello, I am a 20 year old, fully employed, with an income over 1000 a month, with no major bills to pay except from a phone bill and board, I still live at home with my parents, everywhere I go to they vang offer me a loan yet I hge a guaranteed wage each month? Could someone help me, as I just don't seem to have a credit…
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Hire Purchase Agreements - HELP!
Hi Everyone I bought a second hand care on Hire Purchase from a dealership last May - the car worked fine for the first few months but recently the engine warning light has been coming on loads, when i take it back to the dealership they can't find a problem with it. But it has been coming on more and more. The finance is…
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bridging loan with no consumer credit licence
Background Ms. D is a 57 year old single mother. She has 2 children aged 25 & 18. She works as a nurse. The children’s father is currently unemployed, since the separation he has paid negligible amounts of child support and has no assets. Her salary is approximately £25k PA, this is topped up by agency work, worth in the…
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Struggling with Loan Repayments
Hi everyone, I am in a bit of a desperate situation here. I'll try to be thorough with the information I provide and I hope someone can help me. I've searched through this forum for similar threads but I can't seem to find any. Basically, Last year around this time, me and my girlfriend decided that we would like to get…
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What are the final checks by a lender after they approve a loan appl?
Tesco approved my loan, sent me the credit agreement to sign and said they will make final checks when they receive this to decide finally before paying me Is this another credit check to see if Ive done something since applying several days ago?!
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Equity Loan Advice
Hi Forum I inherited a house a few years ago and attempted to sell it. However, the house was in a pretty poor state of repair and needed a lot of work doing throughout so the only offers we got were from developers and landlords looking to turn a profit. Instead of selling I decided to do the work myself and ended up…
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Help with loan from 2010
Money saving expert post. Hi everyone, sorry to open with such a long thread but I'm in need of some advice and hope somebody can point me in the rite direction. Anyway, the story. In 2010 I went into Stoneacre in York to be a guarantor for my partner who wanted to purchase a new car on finance. After going through all the…
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Interest rate advice
Does anyone knowledgeble about loans know why Tesco someome would only offer someone a 3.4% interest loan at 12.8% interest when that person has paid every monthly credit card balance in full in their total 6 month credit history?
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Car buying process advice?
I’ll not bore you with the make/model details as my question is financially motivated. Thank you in advance for any advice you may have. I’m looking to replace my current car which has been on finance for three years and is entering its final fourth year. My credit rating wasn’t great at the time but because it has…
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Black Horse Secured Loan
Hi new here so be gentle!! I took out a Loan in August 1999 with then Cedar Holdings over 180 months. This was later transferred to Black Horse. The Loan was secured on my home and I have never had a late payment or missed any payments. This weekend I remembered I was still paying the Loan and dug out the paperwork and…
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loan app advice
This is a loan for my partner but it is mainly to cover my debts as I don't work currently and he does. It asks for a reason and then gives a tick box to choose options. One option is debt consolidation, another is "other". If we put debt consolidation then they will look on his file and see he doesn't have much debt. If…
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Need loan urgently if not i will be homeless in a week.
Hi, I will explain my situation. I'm a 19 yrs girl EEA national, and i'm here from 05.01.2015 with my fiancee (also EEA national). I've worked here just 8 days till 02.03 when i had the luck to find a permanent position. I've managed to live here with borrowed money from family but now i can't borrow anymore and my rent is…
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Finance agreements and s75A CCA
REALLY quick question... Dell computer bought via creation finance. Dell computer has gone up the swanny. Informed Creation as a matter of courtesy incase things got difficult with Dell (as apparently they can do) who said this is a matter between me and the store and that they have nothing to do with it. Under s75A am I…
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Loan for 2 people ?
Hello everybody, I took a loan that on me and my friend. It says that I'm the borrower and my friend is the co-borrower. So my question is, does this make any difference how our credit scores grow ? Like does mine grow faster because I'm the borrower and hes only co-borrower ?
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zopa loan
Hi all, Anyone got some experience with zopa. I applied for a loan to help fund a purchase. I got an email asking for my pay slip? Uploaded and sent. So does this mean I should hopefully be granted the loan as I believe I passed the initial stages/credit check. Cheers
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Secured loans - are they tied to mortgages?
Hi all, I'm hoping a helpful forumite will be able to advise on this issue. It concerns a loan secured against a property, and I'm posting here because hanging on the phone to the loan provider takes too long. Anyway, my parent have about eight years to run on their mortgage with the Halifax. As their fixed deal is about…
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Secured loan in joint names
Hi - some years ago my husband took out a FirstPlus loan which had to be secured on our house which is in both of our names. We now want to move house and would like the new mortgage to be in just my name as my husband is unlikely to be accepted by a mortgage lender. What will happen about the loan that is in joint names?…
