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Do all UK loan comparison sites give the same loan results?
moneysupermarket.com, comparethemarket.com etc?
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Erudio - Child Tax/child Credit
I have student loans dating back to 1993 and I have deferred every year. SLC were aware of all my income, child tax , child benefit etc but did not take this into consideration when I applied for deferment, Erudio have. I took my complaint to the FO and I have received notification today that Erudio has operated within the…
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Mortgage Ending before House is sold.
Yes, I know I am stupid to have put myself in this position, have been an ostrich!! Basically my mortgage expires on 31st March, approx £25k. I was hoping to have sold the house by then and paid it off, but now looks likely to take 3 months or so, (long story). First, should I fund this from a short term loan, assuming…
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HP finance
Hi, I purchased a vehicle on HP finance in November 2014, & yesterday the timing chain has snapped causing £2900 worth of damage, the dealer gave me a months warranty, do I have any comeback with the finance company, or am I snookered, Regards
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Nationwide Loan soft search
So I got a quote for a £10000 loan over 5 years and the computer came back with 6.2% Clicked on the apply button and got a rejection message immediately. A little bit disappointed as I would have though the soft search would come back with a much higher rate if my credit profile is so poor? What is the point of these soft…
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Default status after misleading information
Hi All, As I understand banks and loan providers can put a default status on your credit file right away if you breach the contract, like you are not paying in and on time even if you arrange a payment plan with them, however what is the case if they sending you an email that nope, they wont do that if you setup an…
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Do I pay off my loan with money saved for maternity leave?
I have a dilemma. I have a loan for £976 with Natwest. I am about to leave work to go on maternity leave for a year. I have saved up £1800 for extras when I am off as I only get statutory mat pay after 6 weeks off. Am I better off paying off the loan now out of my savings and have less to live of or should I continue…
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VT a PCP contract - Advice
Hi Guys. My circumstances have changed recently and i no longer need my car that is on PCP. I have a mortgage now and a company car, so i can no longer justify the monthly costs involved. I have a few questions about cancelling the contract though. The car has been slightly modified with removable aesthetics such as -…
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unsecured loan 6 years
Hi, Sorry if this has been discussed before, I have tried searching but just keep running in circles! I have finally requested my credit file - now I am all grown up (36) :T I took out an unsecured loan that Barclay's offered me back in 2008 for £11K . I have banked with them since 2001 (still do). I defaulted pretty…
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First time finance / poor credit (big deposit)
Hi guys, Sorry I know this has been asked over and over again many times! The few threads that I found were back to 2011 so information could be slightly outdated. Anyway! I'm looking to buy my dream car which is approximately £20,000 and I can happily put £9000-10,000 deposit down for it so that leaves me £10,000ish to…
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Sainsbury's Bank Loan
Hello, Last Friday I applied for a 10k loan through Sainsbury's bank. After not hearing anything from them (email/post/calls) I phoned them yesterday to ask the status of my loan which they replied "It's with the review team and it takes 5 working days". This morning I received this email - "Thank you for applying for a…
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finance facility
i see by reading this forum im amongst a lot of idiots that have been conned by finance facility and now see they have closed........ any ideas how to get 79.95 back from them as i didnt use the loan an did notify them i would not be using the loan within the 14days cooling off period
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2 Years into a 25% Annual Interest Rate Loan
2013 I took a Cash Loan of £10,000 2015 I am still outstanding £8,202.45 Annual Interest Rate 24.174% 72 month agreement £264.35 is being direct debited out every month I have no savings I have so far repaid £6344.40 Is there a better way to repay this Loan? without drastically increasing repayments?
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Help Credit Union Loan
Hi Long story short - I got behind with my mortgage, and got a council Breathing Space Loan which paid off my mortgage arrears.. I am now up to date with my mortgage and paying monthly. I have been paying the BS loan off at £110 a month but the loan term runs out this next week and I still have a balance of £4640 to pay…
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PCP Car finance and mileage
Hi all, First post so be gentle! In short, i am on PCP finance but handed it back this week for another car. Luckily had positive equity and went for another car but apparently can still drive the car I'm on current PCP with. Valuation of car was done at mileage at the weekend but with work etc its only going to increase!…
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Looking for ways pay off my loan faster?
I took out a personal loan with my bank (Barclays). £5000 borrowed. £7000 approximately on the repay inc interest. APR unknown. 5 Years (Repayment period). £128.08 monthly repayments on direct debit. Can anybody on the forum have any ideas, tips or expertise on how I could eliminate this loan faster? I skim read into ideas…
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Loan Application - When to Reapply
Back in January I moved house and applied for a loan at my new address and the loan request was declined. Knowing all my credit accounts are up to date (and always have been with never any late payments) I made the mistake of applying for a loan another 2 time and again each of these applications were declined. It appears…
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Co-Op Bank personal loan - good news (for me)
I have a personal loan with coop bank which was taken out in 2010 over 84 months. I received a letter from them today which included statements for each year of the loan up to the current month, I have just studied the covering letter and found this statement :- The bank is required to send you loan statements in…
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Mortgage & Credit Score
Hi I am planning to buy a property with my partner we already found the property and we made an offer but i am worry about the credit score for the below 2 reasons - 3 months ago i moved to new electricity provider and my credit score dropped from excellent to fair (Experian) - My partner been registered to the Electoral…
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MSE News: Payday lenders are failing customers in arrears
Payday lenders are "failing customers in arrears" and using "unacceptable practices", a review of the market has found ... Read the full story: Payday lenders are failing customers in arrears 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 New to…
