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How to borrow against property - sub prime help please
I own a house worth approx £90k (no mortgage - fully paid) which I don't live in but will be renting out in the next couple of weeks @ £550pcm. I have only just applied to go on electoral roll at my current address, where I've lived only 3 months - not on electoral elsewhere as lived abroad for many years. I have just (2…
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Student loan company charging £10000 in late fees
Hi, I got a student loan in the late 90's early 2000's but after I left uni I moved house a few time and then I did a bit of travelling. Finally settled back in the UK and the student loan company sent me a letter to say I owed approximately £12,000 of a loan but they are charging me over £10,000 in late fees. I never…
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Credit agencies
Hi, When taking out a loan do companies have to let all credit reference agencies know about the account? I have a couple of accounts where company hasn't let experian know about these accounts. Cheers Martin
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RBS LOAN (early settlement )
Hi all, I currently have a loan with RBS which I pay £220 a month off and have another 11 months left on the loan. I thought I would be good and pay the loan off early so I called the bank up and they said my settlement figure was £3480. I understand there might be say 1-2 months interest, but not nearly £900. Is there any…
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How accurate is moneysuparkets Smart Search?
Just curious , but just how accurate was Moneysupermarkets Smart Search for a loan been for you? Very accurate? Or did you find a better deal elsewhere? F x
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Zopa loans
Just wondering if anyone has used them recently? Are they pretty quick at deciding and is it all done online, paperwork? Many thanks
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Loan completion woes.
I wonder if anyone had encountered anything like this, and if so, was it eventually resolved. I took out a loan with the Halifax many years ago, and have been paying the arranged standing order since the beginning, never missed a payment. Back in August I noticed the loan was almost complete, it had £10 left to pay, so I…
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Large loan needed
I was in the process of buying a flat for my Mum to move into and the plan was that she would sell her house and she'd pay off the mortgage at some point. Cue lots of hassle and very few viewing on her house so 4 months down the line she has decided that she is staying put. However, the house will need renovating if she is…
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Help with NRAM really appreciated.
Would be so grateful for any advice. Took out a together mortgage with Norther Rock in 2006 with a loan attached for £30000. Sold the house in 2008 and cleared the mortgage but left with the loan which then had the interest rate put up to 12.79%. Hubby and I now divorced with him moving to USA and three months ago he…
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Looking for £15k for home improvements, been offered 9.3% APR 2 year repayment
Title says it all apart from the fact I've switched jobs 2 months ago, and so have 4 months left of 6 month probationary period. This is how much my bank Santander quoted me. My credit rating is fine afaik. Can afford it but I think the rate half way between a normal loan and a credit card is a lot. Anyone know a possible…
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Loan to consolidate Credit cards
Hi all, I currently have 3 credit cards with around £4k on each. One of which was recently applied for to transfer some balance. I am considering to take out a loan to consolidate this debt and to help me organise it. However I am in the process of moving house and need to apply for a mortgage. Would you suggest waiting to…
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MSE News: Cheapest EVER borrowing: what credit crunch?
The credit crunch is well and truly dead and buried and providers are pricing long-term debt cheaper than ever before... Read the full story: Cheapest EVER borrowing: what credit crunch? Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to…
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First time loan
I have never had a credit card or been in debt but am considering a loan with Sainsbury's (I do have a mobile phone contract and have used catalogues, without problems, for years). I have done a budget and am confident I can repay the loan without any problems unfortunately I have just started a new job and am wondering if…
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Virgin Media
Hi everyone, first post on the forum. Basically I had a 1 year contract with Virgin Media at a property I was renting. I moved out of the property to live with my girlfriend so called Virgin to move the service only to discover that Virgin is not available there. As a result I moved to SKY and Virgin sent me a demand for…
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Consumer Credit (Early Settlement) Regulation - Calculation
Hi I wondered if anyone had the The Consumer Credit (Early Settlement) Regulation 2004 calculation set up in an Excel Spreadsheet? The formula is defined in this link: http://www.legislation.gov.uk/uksi/2004/1483/regulation/4/made Thank you.
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I need a Loan
As the title suggests, I need a loan. I finished paying off all my debts in June through a DMP with Payplan (who are absolutely excellent), including satisfying a CCJ, and am trying to build up my credit rating. I have a 'Poor Credit' Luma credit card which I just use for petrol and pay off in full every month to try and…
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Urgent help required
Hi I purchased a car back in approx 2002 and bought it from a garage that now no longer exists. The garage itself arranged the finance for this car (Although i dont think it was the actual garage who provided the finance). The car obviously has now gone (Went actually in 2004) but i have no documentation to say who the…
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car finance advice please
Hi all, Hubby took out a finance agreement on a car on 12th August 2015. Its through Moto novo. The car was approximately £9500 and the finance total to pay is approximately £14,000. Yes I know terrible! Hubby assured me he could keep up the repayments £240 pm for 5 years. But as I'm currently on maternity leave and wont…
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Loan Advice
Hi Ok so i've got a loan with my bank and a couple of cards with balances on that i'd like to consolidate into a new loan. I go to the bank and the rate they offer me is higher than I have on my existing loan. I check my credit file and there is nothing obviously wrong there so i go back to the bank and ask them why it…
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I need some advice on getting a loan
HI. I am looking to acquire a loan of 25000 to fund a business start up. My credit isn't awful but isn't great and I want to secure it against a house that is free of mortgage. It is in my name after being transferred to me from my parents. My mother is happy to do it or me and her history is better than mine but I'm not…
