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Student Loan under both systems?
Hi, My girlfriend started her degree in 2011 under the old student loan system. In 2014 she completed that degree and enrolled for her PGCE for which she pays the new £9000 a year tuition fees. With both having different repayment thresholds and different interest rates can anyone tell me how this will be worked out and…
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zopa
I have a good credit rating but with a history of missed payments and have some credit card debt. I've been declined in the past for various things. I just got a loan from Zopa to consolidate card debt. To my surprise, I was accepted. From what I have read, zopa are strict - can my credit rating be that bad if zopa…
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Sainsbury Bank
I have a loan with Sainsburys bank 20K over 60 months, with a balance of 14.5K. I have explained that I can not meet the payments at the moment due to business failure and low income. They have accepted what they call a "no offer" frozen the interest and said I don't need to make payments for a few months. I am selling my…
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Car finance with old defaults?
Not missed anything in the last 4.5/5 yrs, but i have a couple of old defaults that are just over 5 yrs old, with 3000.00 deposit, would i have anychance of getting a new car on finance, talking of cars in the region of 18000.00
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Student Loan
I have been accepted into University, starting this September, 2015. Which is the best company to get a student loan out with please ? Thanks, Sian
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SLC Student Loan Deferment - help needed.
I have been deferring my mortgage-style student loan since graduation in 1996. I have been well under the threshold and had no problems deferring. I was made redundant 13th February 2015 and a couple of week ago submitted my application for deferment. I provided copies of 2 months wage slips (I haven't received my final…
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Car Lease/Purchase Scheme
Hi I bought a Skoda Yeti new on a lease high purchase. I pay £169 month. It is 0% interest and at end of 42 Months I pay a remaining balance of 5.5K or hand it in/start again. ( I used my 3 yr old car as deposit in case you think that it is a good deal). Is it worth paying the 5.5k or starting again? Thinking of getting 0%…
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Wonga Enquiry showing on credit file
I checked my credit report (for the first time ever, what fun) today and an enquiry is listed from Wonga, from January 2015. I have borrowed from Wonga in the past, but the last time was February 2014. I haven't had any dealings with them since. I have emailed to ask what the enquiry was regarding, but just wondering if…
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Questions about loan and bank account
Hi guys. New to the forum so go easy! Apologies if this wasn't the right place to post this but was hoping for some advice. I do have a meeting set up with my bank and CAB next week but am worried and have a few questions. Bit of background. I was recently dismissed from work on grounds of ill health. I am 33 and had been…
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Should we consolidate our loans?
Last year my husband and I each got a loan (we have savings but didn't want to spend them). We can afford the repayments but I was wondering if it would be beneficial & cheaper if we consolidated our loads (both are with Hitachi). Are there any pro's and con's? TIA!
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Worried about late card payment
Posted twice in error how do I delete?
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Worried about late card payment
The deadline for payment of a student loan is the 15th of the month. I am in a dispute with them but that's another story. Erudio are keen to put me in arrears so they can access my CRA data. They will not take payment by direct debit so I have got round that by making payment via a debit card. However, this month I paid…
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Discriminated against as pregnant by HSBC - is this allowed?
I have an existing loan with HSBC. I called them this evening to refinance it to lower my monthly payments and take out an additional £2000 on top of the £6333 outstanding. The person I spoke to refused to take my application as I told him I am pregnant (not due to be on maternity leave till October!) Is this allowed? I…
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Oakam loans
Anybody borrowed from this "highstreet" lender before? I am looking for a loan, for 3/3.5k. I don't have great credit rating. And I have been trying to read up on reviews / feedback from these guys. But everything is quite limited and from years back. If anyone has any dealings with them, and can recommend them or not (as…
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Broker Fee
Sadly I made the school boy error whilst looking for loans online to fall for a broker who charged me £69.75. I've contacted them at the time to ask for a refund but not heard anything. I've also asked my bank for a chargeback and they tell me they can't help. I believe the compnay was lendernetwork but I can't find any…
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HSBC 25K Loan
Does anyone seem to know criteria of obtaining the max 25k loan. I have read through the terms etc and fit everything but are they llikely to offer the 3% rate they have advertiseed. Apologies if it is a silly question, but don't want to go through credit check and find they offer 7-8%. Anyone who has had expereince and…
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MSE News: Student loan rates likely to drop from September as inflation falls
March's RPI rate of inflation, which is what student loan repayments are based on, has been announced as 0.9% ... Read the full story: Student loan rates likely to drop from September as inflation falls 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…
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Second loan to clear credit card?
Hi, Looking for some advice, please be kind! In November I took out a Zopa loan for a new bathroom, £3k over 3 years with nice low interest. We had initially been saving for the bathroom but unexpected circumstances meant it needed doing asap and couldn't wait, hence the loan. I also have a credit card with just under £10k…
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Amigo Loan
An ex friend has an amigo loan, and I have foolishly acted as a guarantor, She is now threatening to not repay this loan, which will fall on my shoulders, Is there anything I can do like issue a notice of disassociation? Regards
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vicious circle of overdraft charges
Hello My son has a Lloyds overdraft of approx 2k. He arranged and used it when he had a reasonably good job a few years ago but circumstances changed and the job he has now doesnt pay as much,. He is trying to pay it off but each month is getting charged between £50/£60 in fees so the debt isnt reducing. He asked LLoyds if…
