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Clydesdale Bank Loan
Clydesdale Bank are offering very attractive rates on loan up to £25,000. I've applied jointly with my wife and have taken advantage of the £150 switch deals for new bank accounts for them but has anyone had any experience with applying on the deal lately and how long did it take? My application is pending for "checks" and…
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Lowest interest loan for poor credit?
Hi all Looking to borrow about 2000-2500 over a period of about 3 years. This is going to be used to pay a couple of credit cards to stop interest piling up on them and in order to have one monthly psyment (the loan) What is the best/lowest interest loan? For poor credit and no guarantor Thanks
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Personal Contract Purchase termination - help!
Due to a mental illness, my wife has been forced to leave her job and will shortly be unable to pay for the PCP on her BMW that she purchased for the job. We can ill afford the montly payments now that she is no longer working and my income won't stretch to covering the mortgage, monthly housekeeping/bills/council tax/food…
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Funding options for mature student
Hi, I'm currently attending interviews for 2 year Diploma Paramedic Practice courses starting in 2015. I would have applied for the 3 year BSc option if I had not been worried about funding. It appears that I am not eligible for a student loan as I already have a first degree. I paid my student loan off within 3 years of…
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Worried & confused about Secured Loan!!
I have been looking into the paperwork about a joint secured load my husband took out in Aug 2013. The day before we exchanged on a new house we found out we were short on our deposit! Big f-up on our solicitors part! Anyway we had to borrow money from a family member & then took out a loan to pay them back - we also…
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3.9% APR loan is misleading?
I'm new to this site and came across it whilst trying to see what else I could do about what I see as extreme unfairness from HSBC. I have been their client for the last 9 1/2 years. I had also had an account at a young age with the old Midland bank. Through online banking I saw they were doing this amazing personal loan…
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Hitachi Capital
Anyone used them before? I saw their company details on Ernest and Jones website, thinking of taking a loan out to buy a prohibitedly expensive watch I normally wouldn't be able to buy on the spot. There are 6/12/24/48 month options for loan repayment at 0% interest. Providing I pay each instalment on time each month I…
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scam
Hi,just joined.just wanted to warn everyone about loan spotter trading under Lduk. I was short money to pay urgent bill and shopping around different loan companies online,while shopping in Asda,i get a phone from lduk,inniatially they told me lsuk!! and informed me(after getting my bank details).that i had been accepted…
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SGE Loans charged me 100 pounds for nothing!
Hi. Month ago I applied for a loan in a sge broker. They didnt find anything for me and charged me 5 pounds. I received only a lot of annoying phones and txts from theirs lenders. I emailed them about 5 pounds return because they are useless. They replied refunds are not available. But its not a end of story. After 1 month…
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scrooge
i need 15000 to pay off a credit card which is charging 30%, i have a total of 25000 owing, anything less than 30% would help, i need a specialist company as if i apply through normal application processes i just get rejected WHICH MAKES ME WONDER HOW I GOT ALLOWED TO HAVE IT IN FIRST PLACE MR OSBORNE no wonder the country…
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Hire Purchase Question
Hi All, I have 6 months left of a 4 year hire purchase agreement. I am also about to apply for a new mortgage in the next month or so. My question is, would it be more beneficial to pay off the HP loan, thereby reducing the amount of debt that I have and making myself look more attractive to lenders, or keeping up with the…
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Beat My Quote....Solar Panels...Loan
I need to borrow £5000 to pay off some Solar panels over 5 years. I would be saving/earning money eventually as they would be paid off after 5 years but I would still have the benefit of free electricity and an income from the Feed In Tariff for at least another 15 years. I would be earning money from the Feed In Tariff…
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Do your HSBC monthly payments reduce with an HSBC overpayment?
I currently pay £215.24 a month for an HSBC loan. I've read on their website and forums that I'm entitled to make overpayments. Say I pay a lump sum off, just say £1000 for example. would my monthly payments reduce in amount? Or would I just pay the same but for less time Amount Outstanding £ 10546.76 with 48 payments…
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Credit Union Loan Help
Hi My husband and I have recently completed a joint Debt Arrangment Scheme (DAS Scotland). My husband has 1 default and I have 4 defaults :( These are all satisfied. We would like to arrange a loan of £2500 to install Gas Central Heating. Does anyone know the lending criteria/eligibility of Credit Unions? We have a joint…
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Declined joint loan
Hi first post but just looking for some general advice, My fiance and I applied for a joint loan today to consolidate our debts and a small amount extra for home improvements. The loan was declined but my partner was told he could apply on his own and it would go through, but the loan could not then be used to pay off any…
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Need help settling a loan
Hi So I want to settle a loan with nationwide. I called them up and was given a settlement figure of £723. However, I worked out my remaining balance to be approximately £620, so they've added some charges on there. I've seen people suggesting to overpay a significant amount and then just let the loan run its course, to…
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Co-op Career Development Loan Payments Issue
Hi everyone, I’m new here and this is my first post. I took a £10,000 career development loan out 5 years ago with Co-Operative bank and I finished paying back the amount stated on my online account in February this year. I was only due to pay back around £100 of my usual £208 fixed payment as that was how much was left.…
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RBS defulted/ delinquent account- Build up of missed loan repayments
Hi There , I would really appreciate any advice on the best thing I can do to rectify the situation, here's the story : I got a loan from RBS for £ 7,500 at the end of 2012. I paid this on time with no problems until a few months into 2014 where a change to income and some unexpected bills meant I didn't have enough money…
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Buying out loan
Hi Is there such a thing as a "buying out loan" in the UK? Me and my partner have split, we have agreed to take the current value of our house, take off the mortgage owing and divide the profit. This has given us a buy out figure of £25k. I was wondering if I should apply for a personal loan or are there specialised loans…
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Loan vs. "line of credit" vs. motgage reserve account?
I have a situation where I need what is described in the US as a "line of credit". Essentially, I need to "borrow" a gradually increasing amount which will reach £25,000 maximum over a period of about 12 months, and then will be paid off over the following 12 months, partly by regular payments and partly with lump sums.…
