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Has anyone used Wonga before?
Hi all, I've recently been hit by an unexpected repair bill, don't have time to arrange an overdraft and don't particularly want to burden any friends or relatives (who probably don't have the spare cash anyway) to ensure I can make it to my payday. I've looked at Wonga for a quick payday loan, who will charge me £45 for…
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Payday Loan??!
Hi All, My partner had an email from a company called MotorMile Finance about an outstanding PayDay loan. She has never had a payday loan in her life. She replied to the email saying please remove my details from your records thinking it was a scam. She has since heard back from them today form a Sharon Garlick. The…
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Loan Application
I have just applied for a low APR loan. I have been told that my application has been approved in principle but that I have not received the advertised Representative APR. I won’t know what it will be until I receive the paperwork in the post but I was wondering, if I decide not to accept it, will applying for another loan…
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Co-operative Loan refund
Yesterday I received a letter from the Co-operative bank about a loan I currently have with them. It stated that they were refunding most of the interest on the loan due to an error in their yearly statements to me. They deducted this interest from my current balance and it essentially means the loan will be paid off…
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Nram Together Mortgage
Hi there been reading about Nram having to compensate numerous people who took out the together mortgage. I took one out and borrowed £20024.92 on top of my mortgage so will i be in line for compensation? I've done a bit of reading but believe its a loan needed over £25000? Regards
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Tuition fee loan
I am currently halfway through doing a BSc (Hons) in Computing and IT with the Open University. I am on a low income and have got Cerebral Palsy so am on Higher Mobility DLA. However, because of the way I learn I can only do 1 module a year, thus I am no longer (as of the acamedic year 2014 / 15) eligible for financial…
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payday loan write off?
Hi A friend took out a few payday loans and spent extra money on credit cards. He got in too deep and ended up hiring a debt advice company to sort out his balances and arrange repayments. He is waiting for a statement from them now to show his current balances. I have seen on here about some payday loans getting written…
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Employer loan
I have an outstanding loan from my former employer. The loan was originally established in November 2013. At the time I signed an agreement for the first loan and committed to repaying the loan via salary deduction and at a rate of 4%. If I left the company that rate would rise to10%. In March 2014, the company offered me…
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Too high interest rate on loan offered by my bank
Hi guys I had a offer on my acoount for a persoanl loan and I am not house owner so I called my bank and spoke to the staff who said they given me up to £10000 at 26.5% APR and they if you find a cheaper one they can match it. My call credit score is 502/999 so I dont know how came up with this high interest rate, would…
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Historic Loan Help
Hi there, If you anyone could point me in the right direction please, the story so far... My parents were looking for the deeds to their house, after a lot of back and forth it was found that they were being held by a bank as they took out a loan 25 years ago. They are sure they have paid this loan back but have no…
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The best way to get a £10k loan?
I need to go for a medical treatment in Russia (HSCT for MS) as the NHS wont provide it, So i have 60% of the cost but still need £10k more, so need to gt a loan, ive never had a loan but i dont work but receive ESA Support group and DLA higher rate, Is it possible for someone like me to get a reasonable rate £10k loan?…
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loan amounts
I've never applied for a loan before and im not sure how are the loan amount worked out? For example if I want to borrow 10k over 6 years is there a certain amount I need to be earning or rather have left over after expenses for the month? How can I find out what a realistic amount a lender will lend without applying and…
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Zopa
Hi All, Quick question hopefully someone can answer. If you take out a Zopa loan should it be showing on your credit file on creditexpert? Thanks MM
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When to apply
We are in the process of moving house, mortgaged approved just waiting for moving date now. When we get moved we would like to take out around a 10k loan for some improvements/furnishings etc but I'm unsure how long to leave it before applying for the best change of getting approved? I'm under the impression that even…
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Picture loans
Hi I got a loan off Picture 9 years ago and I'm now in a position to pay it off. I have rang them for a settlement figure and I'm surprised how much I still owe them. Is there any way I can get the figure down, I've heard that some companies except a final settlement figure Thank you
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What to do
I am 24 and have found myself in a serious hole i have 3 debts and big ones 1. 14000 with 11.1% interest over 5 years 2. 9600 remaining 9.9% interest over another 2.5 years 3. 3600 Remaining 6.8% over 2 more years this is adding up to nearly 748 pound a month and i feel as though i am getting nowhere with paying it off /…
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Nationwide loan
I was looking for a loan this evening and tried Halifax and clicked on their personal loan button to find we are unable to offer you a loan or quote. Thinking something must be wrong I tried Nationwide who I also bank with. Went through the soft search and liked what I say and went for the full application to find I was…
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1 loan and 2 cards, best way to consolidate?
I have a loan with Zopa, currently £3800 left and 2 years to go. a creditcard with Barclaycard £2500 and a credit card with Tesco £1500 I bank with Natwest. I initially got the zopa loan to consdolidate but due to other circumstances I had to use the CC's on 0% transfers too. Their 0% terms are now ending... I was thinking…
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Reclaiming back money from voluntary payments from student loans
Hi, is there any way to reclaim back money made through VOLUNTARY payments on student loans?
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joint loan/debt advice
Hi, Not sure if anyone can help, my husband has been paying a joint debt he accrued with his ex partner for roughly 8 years now. They owned a house and sold it when they split up, the mortgage was paid back but they had an outstanding loan (I think it was part mortgage part secured loan, it was an old 100% mortgage) of…
