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Shared SB Loan in partnership between US and Non-US citizen?
Dear readers, I am fairly new to this forum so my apologies in advance if this thread ends up where it shouldn't belong or my question is too vague. :A However, as the title explains. I am currently in the process of discussing a partnership with a friend overseas and start a food business in the US. Now the problem is…
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Graduate Loan
I've recently graduated, my official ceremony Wed 15th July. I went to my bank today to ask for a 'graduate loan' as my job doesn't start until the 27th of this month and so i need money to live while I'm at work before my first pay check which won't be until next month. However, I was rejected as they nonsensically need…
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Bank manager discretion
Hi, in the last 15 months i have worked hard to improve my credit score from poor to good. I have still been refused a loan online, based on my income, even though a break down of my income shows i can afford repayments they wont accept it. Do in-branch bank managers still have discretion to approve loans?
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Home improvement (extension) loan?
We moved at the end of last year to a smaller house with the aim of reducing outgoings and having a better standard of living, which has reduced our mortgage & coucil tax by 50% and overall (we paid off a personal loan with equity from house sale) we are £1000 better off on our outgoings per month. We have decided to…
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In need of money - out of ideas
I just found myself (and my partner) in a really awkward situation. Long story short, my partner is in an IVA, he's in his last year and things went well until last month when he told me he has a ground rent bill and a quarterly gas, electricity and water bill he can not pay. I wasn't working then and since this is only my…
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All in one finance
Just wondering if anyone else has recieved notification from All in one finance regarding carcraft warranty? I got a letter which basically gave the option to transfer my current DHP package to a new company and they would be carrying out future servicing and repairs covered on the DHP package. It stated in the letter if i…
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HSBC ayment holiday
Hi, Has anyone ever been able to negotiate a payment holiday for a HSBC personal loan that is and has been in force for some time. I have had mine approximately 2 years and made all payments on time. My long-term partner has now decided to pursue a new career, and this will mean him leaving his full time permanent…
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Loan Amortisation statement
I recently availed a loan from HSBC, I requested them to provide me an amortisation statement to understand the interest and premium splits to plan my overpayments...but to my frustration they deny providing me an amortisation statement...are they not supposed to be providing this legally to maintain transparency so that…
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what is actual loan rate?
I have been offered a loan of £10,000 with 60 monthly repayments. The rate is stated as 8.2%. Each month I will pay back the same amount of principle £167 and a decreasing amount of interest. My first payment is £236 (£167+£69 interest). The 30th payment is £201 (£167 + £34) and the final payment is £168 (£167+£1…
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Car loan, crap credit.
My former partner needs a car, but has poor credit. No CCJs but maybe £8k of unpaid stuff on her file. I'm aware of various 'guaranteed car credit' offers but haven't yet been able to check 'em - I suspect there's inflated prices, high apr (to be expected, and that's ok) and probably also cases where an upfront arrangement…
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Declaring past loans query
I took out a career development loan in 2002. For an unforeseen reason, I ended up unemployed and trying to pay it back. The bank killed the interest rate so I was only paying off the loan itself and not the interest. When I gained full employment, I phoned the bank and asked to pay everything off swiftly. They…
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New Day Ltd (Comet)
Hi If anyone could help it would be really appreciated. I bought a TV through Comet some years ago on an interest free deal, I stupidly forgot to settle the account and have now been paying £17 per month for years. I have just called "New Day Ltd" (was formerly Santander cards) to find out whats remaining, which is aprox.…
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Taking a new loan or using the old one
Hello, I currently have a loan with first direct, with a 3.6% interest rate. I now have enough money to pay this off, however we are looking at the kitchen re-done. I can't work out whether it's cheaper to pay off the loan and take a new one or pay some off and continue payment. Loan was £9000 over 60 months @ £164.06 per…
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I was denied a loan
hello i rang my bank up lloyds too ask for a loan and i was denied because i am only on government benefits i receive enhanced rate mobility and care on pip and i get couples rate ESA aswell as my girlfriends carers allowance in my bank. i was wanting too consolidate all my debt and have a family holiday but it feels like…
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Strange conversation about a loan.
Basically, I have bad credit. I found myself out of work, and with money still to pay off my credit cards. Obviously having bad credit it is impossible to get a personal loan from my bank. So I went on the internet to try to find if there are lenders out there who will lend to someone with bad credit and out of work. Crazy…
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interest calculation after early repayment
Hello I'm.concerned about overpaying interest on a personal loan. I borrowed 14950 on 13 Oct 2014 at 9% for 5 years. Total to repay was about 18500 at 309 a month. I have ended up making 7 normal payments plus 2 overpayments of 1000 and recently got offered a better loan deal at 3.7% so overpaid an additional 11000.. In…
