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Need advice on getting ready for a 25K loan
Hi everyone, just wondering if I should reduce or cancel any of these to better my chances of obtaining a 25K loan?... FYI I earn £5003 a month before tax, £3770 after tax. I have no debt at all and the following lines of credit: 1 x Barclays account with available £210 overdraft 1 x Halifax account with available £800…
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MSE News: Co-op still refunding customers nearly two years after admitting it violate
Nearly two years after admitting it breached the Consumer Credit Act, the Co-op Bank continues to refund customers... Read the full story: Co-op still refunding customers nearly two years after admitting it violated regulations Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t…
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Car Loan Warehouse & Car Finance 24/7
Hi, has anybody used any of these brokers? If so, are you able to share your experiences? Thanks
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what details affect your APR rate on a loan
Sainsburys advertising 3.6 % on loans but when I applied it went to 6.6%. My credit report is excellent and I have had a loan from them in the past with no problems. I told the adviser I have 2 credit cards but I have not used them in over a year but he said just having them may have increased my loan APR to 6.6 are there…
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Loan/Overdraft advice.
Hi all, I am after some advice. I currently have a graduate overdraft with TSB of which I am £1400 into. It has two years left of being 0% interest. I also have a graduate loan of £2000 @11% apr with 28 months left of repayments at £82 a month. I'm going to come into some money and can afford to probably pay all of my…
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Student loan repayment
Not sure if this is the right place, sorry if not. A friend told me that he's never had a repayment taken for his student loan - he earns over the £15k threshold (was in the £3k a year cohort) but in the 3/4 years since graduating no deductions have been made. My immediate response was "surely you should let…
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Guarantor Loan Issue, Criminal or Civil
I agreed to assist a friend and ex work colleague in taking out a Guarantor loan with Amigo Loans in December 2014 for £5,000 over 5 years. She made two payments in January and February and has since left her flat overnight, without leaving a forwarding address, closed her phone number down and has basically disappeared.…
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Advice On New Loan
Good afternoon all, I have been a long time lurker and apologies for my second post being one asking for advice. I am looking at getting a sainsurys loan for 5500 over 36 months to buy a car. The APR they have offered me is 7.8% meaning that total repayment will be £6162.12 (662.12 in interest). I will be getting a bonus…
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Pounds2Pocket - Question
Hey peoples, I need some mathematical help here if possible. Background I borrowed £950 with the intention of working overtime and a tax rebate to pay off a chunk of the principal. I understand that I must make the monthly minimum payment before I can pay any off the principal but it appears the live chat is not all that…
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Early settlement???????
I got a 7500 loan in September 2011 over 60months At 8.5% the total to pay back was about 9124 I have 2433 left if I let it run to the end with the £152 payments each month. I have 16 months left to pay and just got a quote of 2340 settlement figure including 56 days interest What is the interest based on the original loan…
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HELP with working out my loan money
HELP ANYONE? I am such a dumbo I can't work this out - I borrowed £10k from a bank and gave it to my son. Then when I sold my home I paid off the entire loan from the house sale money. My son says I have now paid out twice, once to him (the loan) and once back to the bank. BUT as the loan was not my money in the first…
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Advice needed
I don't know if this is the right sub forum so please let me know where I should head if I've got it wrong. I'd really like some help and advice please. I have had a bad few years, cancer, heart attack, road accident, both parents ill and then passed on. Through all that I kept up with most of my bills but fell behind with…
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Credit Union & Loans
Anyone with “Bad” Credit, ever applied for a loan with aCredit union? How did it go? whatstuff do I require from you? I assume they more likely to approve you than the bank. - But @ What Interest rate. I have bad credit, and considering approaching my localCredit Union. I just want to be prepared for whatever curveballs…
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Student loan at 1.5%? why am I paying 8%?
Student loan taken out 2002, been paying back since started earning. Just rec'd statement shows: Debt at 15/4/2014 £21,055.97 Paid £32 for 2 mths, then £196 for 10mths. Balance carried forward 5/4/15 = £19,334.77 This means that I have paid £652 in interest over the year?? Please help I am confused and want to know if I…
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max loan amount HSBC advance account
Does anybody know how much would be the maximum amount i would be able to get as loan. wondering if i would be able to get more than 25,000 pounds as personal loan. Thanks
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Best way to plug short term cashflow gap to purchase property
I am hoping to buy a new house and have the funds on deposit ready to go. I won't need a mortgage but there is a notice period to access all the funds I need. What is the best way to plug this gap? It will only be for a few months, say 3 max and is approx £40,000 although if the vendor wants to complete earlier then it…
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Poor credit due to not being on the Electoral Role.
Hi all, I'm currently staying at friends, therefore I'm not the electoral role. I am also looking to rent a office to start a business whilst at the friends. However I need to get a finance. Can I use the office address to get on the Electoral Role to assist getting the finance? Any help would be great. Thank you in…
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I got a loan but I couldn't pay
Hello My Friend get £3000 loan from Zopa 15 Months ago and £15000 From HSBC 8 months ago to run a business. He lost him business and also his employer fired him from factory becuase of health condition. he couldn't pay back loans. so he talk with HSBC and they told him we couldn't do anything becuase you get very low…
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Repayment holidays on personal loans - Can they affect future borrowing??
As simple as the title suggests - I have two personal loans both with the Halifax and have had so many things to pay for all at once. I have the option to take repayment holidays on both loans which would help to ease the strain, but will this affect any future borrowing i may wish to apply for? I am in no danger of not…
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Irresponsible lending???
My step daughter collects bank accounts (for the overdraft facility) like other people collect shoes. She is a lone parent and is on benefits. She lives in overdraft, over running the £2500 limit she was given. She then applied for a flexible loan of £3000 at 29.7% APR over 42 months which she put into the second account.…
