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Erudio Student Loans why was strike notice cancelled?
Hi All, I'm not a whizz at all this so don't really know how to investigate what has gone on but looking at the companies house website, Erudio student loans, I'm currently paying mine back, well known as being troublesome and the whole affair of the sell off to be... erm how to put it... contentious; 13th January 2015 are…
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confused on what to pay off first
Hi just wanted advice if poss please. we have lots of debts, my hubby wasnt the best with money when i met him, he is a lot better now though. i am desperately tying to sort his/ now our debt out we need a mortgage but his credit rating is terrible. we have cleared a lot of the debt off but have quite a bit left.; a credit…
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Car Finance Dealer Mistake
I am very confused and really don't know what to do and can someone please suggest what they think my rights are or what I should do.This is my first finance car and I am completely new to it. Recently I applied for car finance through a car finance broker and I was told that my application was approved in principle. I was…
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Will it be declined?
My oh has applied for a joint £10k loan. He earns £42k and I earn £17k We have a good fixed rate mortgage for 5 years set in April (which i sorted througha broker so all info provided on my debt) and he has applied for loan at same bank (but he isn't aware of my debt so not disclosed it) My debt is £9k and I pay on time…
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Loan Correction from Co-op
Hi all, Just after a bit of advice; Ive today received a letter from the Cooperative Bank saying that they hadnt complied with the CCA 1974 and they provided some misinformation and during the period of 04/2011 to current i wasnt liable to pay interest during that period (ive no idea why...). Anyway, its basically meant…
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BMW Finance - How Likely
Okay so this is a situation that's probably been on here before. My current car is costing me £500 a month but is through an ex so not on my credit profile. However in the last few months it's continually breaking down so I decided that I'd get a new car that's cheaper to run. I've spent a few years trying to sort out my…
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Transfer of secured loan - contract
Lots of statements on forums about secured/unsecured loans being 'sold on', but after extensive searching I've yet to see anyone produce any evidence detailing the actual 'sale' of an individual debt. Am awaiting a response to my SAR but I'd be interested to know if anyone has actually seen details of the contractual…
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Sainsburys - has anyone got the advertised rate?
I know the rules state that at least 51% of people have to be offered the advertised rate for a lender to quote it as their 'rate'. I would have hoped that I would be in the 51% when I applied to Sainsburys but was surprised to be offered 9.2%. I didn't want to pay that so took a risk and applied to Santander, my own bank,…
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Chances of getting advertised rate
Hi Just wondering if anyone knows the chances of getting advertised rate on a joint loan? Income £42k & £16.5k Outstanding cc £9k in lower income name payment made on time roughly around £180 per month most on 0% cards. Fixed rate mortgage for 5 years at £600 per month Normal household bill outgoings no excessive outgoings…
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Advice on loan repayment responsibility
I live in the same house as my ex partner. The mortgage is in both names. we have a joint bank account for all house bills and our own separate accounts. I have just discovered a £7.5k credit into the joint bank account. The day it went in it was transferred straight out. On further digging it was a loan and he has…
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Statute of Limitations
Hi MSE guys, I had some laons go bad over 6 years ago, where i defaulted and entered payment arrangements. I'm now sitting on a clean credit file as the loans are no longer showing on experian etc as the default date was over 6 years ago. im happy to continue to pay my debts as i have the obligation i borrowed the money…
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Bad loan company need help 😔
Hi I'm new to this to help my best friend basically... In 2006 ish she got a 8000 loan out from a loan company after paying instalments and in 2010 paying a 5000 bulk pay from some inheritance she got she is still being a hassled when I go to her house they constantly call each day she is currently paying 50 pounds a month…
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Advice on handing finance car back
Writing this on behalf of my boyfriend he has bad credit but has a good salarynow he had a mini before from bmw but he had a low salary at the time and was kicked out of his family home so he lost his car. He recently brought a seat ibiza 2010 from a really dodgy company called concept car credit they pressured us into…
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Loan Application - Following rejections 6 months previous
Hi everyone, 6 months ago I moved home and applied for a personal loan which was declined and without really thinking about it applied for a couple more which were also declined. I was surprised as I had always been upto date with all my payments and no missed payments in over 6 years. Looking back multiple applications…
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Credit Union: Waste of time!
Has anybody else has a bad experience with credit unions? I have always heard good things about credit unions, and decided to join 1 around 5 years ago. I didn't need a loan at the time I joined, so just decided to save a little, being £10 a month (The minimum amount they require). Around 5/6 months later, I applied for a…
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Early settlement figure
Hi. I will shortly be paying off two loans early. My tesco loan appears to have added interest at the start of the loan and the settlement figure is a lot less than what it shows I owe. I have overpaid considerably in the past and received interest rebates which came of the balance and shortened the term. The settlement…
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Worth going to broker for loan?
Is it worth going to a broker or speaking to a Financial advisor to get a good rate loan. Can they source deals that are not available to the 'public'? I am looking to borrow up to a maximum of £8k. I should have decent credit rating and know roughly how much is should cost me. I just want to get the best deal possible.…
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PCP Settelment - What affect of credit rating
Hi all I have recently changed my car (mid June). Original car was on a 48mth PCP and I changed car at approx 36 months. Origianal PCP was settled and I commenced a new 48 month PCP for my new car. Long story short there is an onging issue with the new car therefore the dealer has offered me a 'New car' as a goodwill…
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Loan Protection Insurance
Any Recomendations of what company to use for a £5000 loan insurance protection i.e illness / out of work etc
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Terrible credit rating loans.
I will get straight to the point i need a loan of £2000 but my credit history is terrible and i already owe £4000. Does anybody know of any companies that would go near me? I don't care about the interest rate i just need a loan! Thanks :)
