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Entries on Land Registry
I am looking to sell my house, on the land registry details there are two restrictions. One in my name and one in my wife's. Am I correct in assuming that restrictions cannot stop me selling even if there is not sufficient equity to cover the outstanding loans? There is also a registered charge in respect of the Mortgage,…
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Right to cancel/back out before signing (First Response Finance)
Good afternoon everyone. First of all, apologies for this being my first post. I have forgotten my original username etc as I tend to lurk more than post, although I want to change that, more of that later. Long story short, my partner and I applied for finance with First Response at the weekend. We are as far as having…
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Cancel Lending stream account
Hi, I had a loan from Lending stream, paid all back some time ago but my I'm still registered with them. How can I cancel/close my account with them? I cannot find any such option or information on their website. Many thanks
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Rent Due Soon
Hi I'm a student and I'm about to start my second year in uni. My first rent payment for my house next year is due soon (2 days) and I don't have money to pay for it. My mum is a single mum on benefits and she's currently recovering from manic episodes in a mental health hospital. So I've had to take over financially at…
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Loan after mortgage completion
My mortgage should be through in the next few weeks. I was pondering taking a 12k loan to complete the house as its a new build. Will my loan lender be prepared to give me 12k when I'm paying a mortgage at £420 a month on 21k salary. I've had to clear my car loan a few others so I'm debt free at the minute and feel I'm def…
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Mis sold vehicle finance
Hi all, Right, I'm after a bit of advice please, basically I've recently purchased a motorcycle on finance, because of the specific bike model and year I was after I was limited to the number of machines available. So I eventually find the bike I'm after and lo and behold, it's not local, 200 miles away not local, beggars…
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HSBC loan
Hi all, I have a loan with HSBC and wonder if anyone can help me to show how to calculate what the repayment would be if I paid it early? The loan is over 2 years and was for £7,500 First payment was £363.56 followed by payments of £363.32. I am looking to see what the repayment amount would be after 6 months, and 12…
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Extending loan to minimise payment
I'm thinking of extending the term on my personal loan by 2 years. It is just to keep the monthly payment low for the next 18 months. Do they do credit search to extend the term? Do I need to give reason?
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Help with a Santander personal loan
Hello I'm new hear but I wanted to see if anyone could help shead some light for me. Basically I planned for some time to applie for a loan to allow me to move house and purchased household items to give my family a fresh start. I thought it best to go in to branch and explain fully my situation and go from there, how ever…
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Blackhorse loan
I have a Blackhorse loan for a motorbike. It's £79 a month for approx 48 months. I can make additional payments when I like. I owe approx £3400 if I was to make a payment of 2k would it lower the payments so that the loan still ends in 44 months time or will the payments still stay at £79 but end sooner? Was going to phone…
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Car finance advice odd financial situation
Hi there, Looking for some advise as I have never been in this type of situation before. I currently drive a 14y old car I bought from new. It is due to be replaced soon and I'm looking into finance advice. I can't buy the car without a loan, but am afraid of extremely high APR or rejection. Financial situation: Me: work…
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Consolidation loan, best deal?
I'm looking to put about 9k into one manageable consolidation loan, which are the best deals please? I know some charge inordinate set up fees, but long term is it still worth it? I have 3 different cc debts and an overdraft, all messy and sometimes miss payments, I'm looking for somewhere to put them all into one, pay…
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Advice on Change of Address
Because of my son's health problems I have been acting on his behalf to set up a DMP with Step Change. He has a number of payday loans and a bank overdraft. He has recently moved house and while the bank and Step Change have his new address, the others do not. I wonder now if I do have to tell the payday loan companies…
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Loan on top of mortgage - any ideas?
Hi can anyone advise on this please? Ive seen a house Id like to buy as a holiday let but Ive been told its "not mortgaeable" by several lenders now. I can borrow 65% of the asking price against against my home (which is owned outright) but that still leaves me to find around £50k. Has anyone been in a position like this…
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Advice please
Hi, I asked in another thread but didn't seem to get much advice. I currently have a loan which has a high interest rate. My partner has a good history and previously had a Tesco loan with a low interest rate. We want to take out a new loan with Tesco, in her name to help toward a wedding and lowering what I currently pay…
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loan interest
hello, got a loan through my works credit union, the interest is 12.7%,ive been paying for quiet a while and my p[ayment is £50 per week,the loan at the moment is £3000, and i am paying around £18 per week interest ,this drops weekly by around 15p,so the total at the moment is dropping around £32 per week,can someone…
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Ccj court on Monday 29 June 2015 statute barred
I have a to go to court to fight statute barred debt, I send the solicitors CCA and CPR 31.14 request more than 90 days ago. They have just back to me 3 day before hearing. With statement of accounts from Santander with just a spreadsheet they submitted this to court with a witness statement from someone who works at the…
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Can a loan be used for mortgage deposit/property purchase?
Hi folks, I have read some articles online about increasing deposit to get better rates/reducing mortgage outlay by substituting some of the borrowing with a personal loan (as there are many good deals at the minute). However, when I looked, many lenders websites say loans cannot be used for mortgage/deposits. So my…
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Stamp Duty - making up the shortfall
Hello all, My girlfriend and I are first time buyers and should hopefully be moving in in around 3 weeks time. We have saved hard over the past three years and the deposit is in place (being held by our solicitors ready for exchange). We are continuing to save for stamp duty, but there will be a shortfall by the time it…
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Lending against a house we own outright?
I need to raise some capital for a business venture (owning a gym). My wife owns our house outright (value is 240k) so my understanding is that this is an affordable option? Granted the home would be at risk, but I was talking about borrowing 10-15k over a couple of years. From a friend who is in a similar position, he…
