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Pension
Would a loan company use a private pension as collateral
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Loan for a 22 year old with no credit history
Hi all, My 22 year old son has a very good job, and earns 24k per year. He is currently living at his girlfriend's mum's with his girlfriend and their baby. Prior to that he was living at home. He's never had credit, but wants a loan of £5k for a new car (his has just blown up). We have tried applying for several different…
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Mr Lender - Lending after request to "never lend"
A friend of mine with gambling problems and a previous record of getting over 20 payday loans (from various places) got themselves into the clear and asked Mr. Lender to "cancel my account and never lend to me again", they confirmed the receipt of this email and confirmed that their account had been "achieved". However…
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Loan advice after a DMP.
Hi all, Looking for some advice please. I have a need to purchase a new car but do not have the cash and so am looking to get a loan. The issue is that I have a bad credit history due to having been in a DMP for four years, which I finished paying nearly 45K in May 2014. I have since been in control of my finances and even…
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Quick Payout Loans
I'm in desperate need of a quick loan. Have a joint RBS account but recently split from partner. Been scouring the internet for hours. I need a lender that will pay out with 24-48 hrs as i need the money next week. Do you know of any lender that can pay out quick, don't mind faxing my passport,Driving licence etc If i went…
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MSE News: Erudio concludes investigation into paperwork issue: What it means for you
Tens of thousands of Erudio customers will begin to have interest applied to their loans after it was frozen last year... Read the full story: Erudio concludes investigation into paperwork blunders: What it means for you Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how…
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Redundancy, credit card debt & Student Loan (erudio)
Hi, I was made redundant while on maternity leave and given a redundancy package. I have been living off the money since then but the money has now run out and I'm wondering what to do about my debts! I have started my own business but not making any profit. I am also pregnant with my second child so finding a job seems a…
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Stressing over Amigo Loans!
My dad agreed to be a guarantor for his friend over 3 years ago (using Amigo Loans) however the debt still hasn't been paid. I understand that the guarantor is liable to then pay off the debt, however I don't think my dad is able to. He used to be a homeowner (in order to secure the loan they need a homeowner apparently)…
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HSBC Loan Overpayment Issue
I borrowed a sum of money in March this year with the full amount of interest over 60 months added to the amount borrowed. At the start of this month I made an overpayment of more than 50% of the amount borrowed sans interest. I've called them to ask for a recalculation of the total amount owed but they're saying I'm not…
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Tesco loan gone to underwriters?
Applied for a loan about 8-10 weeks ago with tesco and got accepted first time no bother but then realised was due to renew my mortgage deal so thought i wouldnt take the loan at the time. Stayed with halifax for the mortgage LTV gone up and payments dropped by £110 a month (result). Decided to apply for the loan again…
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Bad credit loan help
Hi, it is a bit of a long story but my husband and I have bad credit at the moment due to the fallout from the recession. However, things are on the up and we have started to recover but unfortunately our credit rating is still catching up. The proposal - Immediately adjacent to the side of our house is a new apartment…
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Pay off PCP but retain discount
Hi I've just agreed to purchase a Smart car. I was happy to pay cash but was persuaded to take out PCP with the offer of a very good discount. If I cancel the PCP within the 14-day cooling off period will the dealer try to get the discount back? Thanks for any advice. The discount wasn't available for a cash purchase as…
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How soon can I take out a loan after remortgage
Hi, looking for advice on the above. I have just changed my mortgage deal with the original lender, our house has increased in value significantly due to an extension so we moved into a new LTV bracket meaning a far better interest rate that has significantly reduced our payments. The mortgage is in my name solely, however…
