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Can You Take A Cash Advance With A Prepaid Debit Card?
Interesting article on prepaid debit cards... A prepaid debit card is a financial tool that generally has a Visa or Mastercard logo on it so that it may be used as either a credit or ATM card. Since it is prepaid, it only has funds that have already been loaded onto it by the owner. As the owner, you are free to use the…
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Cancelled loan
Hi, Does anyone know if a loan cancelled within the 14 days cool off period shows up on credit report? I know it will show up as a search but will it come up as an outstanding (and then settled) debt?
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Guarantor Loans - Borrower Experience Required
I am looking for some advice from anyone with borrowing experience with E-money Union / George Banco. I have a poor credit rating due to historic mis-spending and current short term loans. I have now admitted to myself that gambling is the real cause of my financial issues for the first time, contacted GamCare + self…
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Money transfer plan
I've got about £8000 on a loan at 11% with 3yrs left to repay. I've made a single overpayment of £1000 about 6 months ago which knocked 4-5 months off leaving the current 3 years. We want to move house sooner rather than later and can't afford a bigger mortgage with this debt so want to repay early. To speed up the process…
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APR 2x Expected - Guaranteed to beat alternative?
Hi All, I've just had Sainsburys approve a personal loan for me at 6.8% APR, despite me expecting much closer to the representative 3.4%. (999 Experian Score) They have told me if I send them a better quote by another provider, they'll guarantee to beat it. I'm tempted to do so, but what would the implication be for my…
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Student Loan Eligibility
Hi there, I am just wandering if I am eligible for a student loan to pay for a future degree. I got a loan in 2004 to pay for a natural science access course at uni. This loan has been payed off. I studied a diploma in Adult Nursing for 3 years at uni. This was an NHS funded course with no loan. Am I eligible to apply for…
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Arnold Clark - Where do I stand?
Hello, Im having abit of an issue with Arnold Clark and I will start from the beginning. (I will try not to rant and please be kind - I'm traumatised) So I bought a Vauxhall Corsa 10 plate from a branch of Arnold Clark 5 months ago yesterday. Within 2 weeks of having the vehicle the timing belt went and was replaced by…
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Car Loan
Hi All, I have ordered a car and the PCP deal has been approved, the car I wanted was not being made by the factory, so I ordered a different specification and again the dealer approved the finance. I had a phone call saying there would be a delay on the car until next year, and they were happy to for me to back out of the…
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MSE News: Guest Comment: How Sheffield City Council is supporting payday loan alterna
Sheffield City Council has supported the setup of a not-for-profit organisation tackling unfair access to finance... Read the full story: Guest Comment: How Sheffield City Council is supporting payday loan alternatives Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it…
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Help with Wonga
Hi I'm new here and looking for some advice regarding Wonga in 2008 i took out several payday loans with Wonga and paid them all back when due and reapplied for a new one the same day, on the last occasion I applied I was rejected by them and had to go elsewhere. I heard nothing from Wonga for several months when out of…
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Loan to my dad he is very slowly repaying....
As a rule I don't lend money. When my dad (nearly 80 yrs old) asked if I could lend him the money I hesitated but, after working our realistically that he could pay me back within a 5 year period I agreed. I lent him everything I had saved £15,000. He lives in Croatia and has a apartment block that he let's out to tourists…
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Help with payday loans!
Hi, My boyfriend has taken out a number of payday loans several years ago and not bothered to pay them back. They are up to around £7000. He has since moved and so isnt being contacted by the companies so hes not sure how many or to which companies he had the loans with. Hed like to pay them off so he can get his credit…
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Struggling - need a loan?
I am severely struggling with depression right now. The kicker is I just bought a house like 7 months ago and I am feeling trapped now. I need out. I've looked at a quick sale company who've done their survey and have offered me an amount which leads me to the figures below. So my reason for selling is that. And now I need…
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Interest free loan from employer
My employer offers an interest free loan up to 10k on what is intended for travel costs. Is it worth making use of this benefit to use the money to earn interest from say funding circle at 6.5%? The loan would be repayed each month for 1 year.
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Moving a loan to 0% Credit Card
Please, I really need some advice. I have a loan with Natwest which I'm regretting taking out. I received a Barclaycard mailshot through the post with 0% for 37 months and it got me thinking. Why don't I transfer the balance of the loan onto the card and pay no interest for the loan period. I should have looked into it a…
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Loan Closure or Additional Payment
I currently have an outstanding Lloyds balance of approx. £8400 Was going to pay it off but the settlement figure is approx. £8550 What happens if I make an additional payment of £8250 instead? The balance will be reduced to £150 which will be paid of in next installment. What am I missing here? Edit: I think I get it,…
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Do I need a loan?
Hi, First of all thank you to all of you on this board in advance for your help. This forum is an absolute goldmine of useful help, advice and support so thank you! Anyway, on to my query.... I recently became debt free, for the first time in many years in August of this year - Please have a read through my older posts for…
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Help!?
Hi, does anyone know of a company that can simply lend me £15-20 for a matter of weeks? I know it sounds stupid to most but i just need some basic essentials and I am not in a position to sell any items or borrow off anyone, if I was not desperate i would not be posting on here! I have trawled through the internet with no…
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GiffGaff Money / Ratesetter
Hi, I have a giffgaff PAYG and I saw they do loans. Intrigued I looked into it and it looks like they only do a soft check to the point of approval, then a hard check when the loan is formally applied for. Doesnt mention interest rates or anything which I found a bit strange but has anyone tried it?
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Quick question…loan vs finance...
Hi guys quick question…… I'm buying a new car, the apr was 8.8% resulting in £299 per month for £13500 over 60. I've signed up and picking the car up on Wednesday. I noticed the likes of santander/sainsburys offering loans 4 ish % apr meaning £250 per month. I have a perfect credit rating/home owner/good income so was…
