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Loan decision for wife
Hi If i have a bad credit history (no missed payments or ccjs just a lot of debt) would this affect my wifes chances of getting a loan. all the cards are in my name only but the bank account and mortgage are in joint. thinking if she could get the loan then that can pay the card off with a lower apr as at the moment the…
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Consolidation?
A few years ago I was made unemployed, as a result I had to rely on credit cards to pay rent shortfalls and living costs as I was too young for assistance such as HB for it to actually cover rent, apart from that I only had £50 JSA. I now have Student overdraft £900 (costs £1 per day with halifax) Credit card £1,162…
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payday loan
need some help and advice please. My daughters boyfriend took a payday loan out in her name. She has told the loan company and supplied a crime number issued by the police but now is getting menissing messages from a debt recoverery firm what can she do The former boyfriend is on bail for fraud
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Private mortgage
I want to lend money to one of my married siblings to remortgage their house. They had a fixed rate which has come to an end and the new rates being quoted because of the new rules are extortionate even at a 50% Loan To Value. However I want it all done proper and above board with a contract and a lien on the property as…
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Need some serious money help!
Im 19 years old and in some seriously money debt, I have a full time job now with a decent wage pH, problem is i have built up debt due to Gambling problem (which is now taken care off) I want to change my life around and need help. I have a £2k loan with bank, a £1k overdraft used and a few payday loans of like £200 each.…
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Hire Purchase/Faulty Car Issues
I’m looking for a bit of advice regarding my hire purchase finance agreement and an issue with the car I have (Seat Ibiza Cupra). Firstly, I bought the car at the start of last November (November 2014) and I’ve had issues with the oil consumption with the car, which it has been in the garage previously about and they have…
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Lending money to friends and relatives
I lent £7000 to my daughter to help her consolidate her credit cards, overdraft and house rental deposit. She promised to repay me at £ 150 per month and did this for 12 months. She then moved house and dropped the repayments to £30 per month, and repayed me £2300..she stopped payments 12 months ago..Within that 12 months…
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Smart way to finance a car
Hello, I'm after some advice/feedback please, if anyone is able to help? Basically I'm trying to "beat the system" financing a car purchase...something my friends are calling "first world problems" :embarasse. But I find it an interesting challenge, and those that enjoy beating the system might find it interesting working…
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Advantage Finance - Fraudulent Claim - Help Needed
Hi Guys I had a situation recently with a vehicle finance company. More than happy to provide further detail, if I know what you need, but, short version is, after a marital split, the car was given up and a VT done. We were mis-sold PPI on the loan, and, in addition, the final figure was very wrong. Without contacting me,…
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paying off card with loans
to pay a credit card off with a loan is it better to arrange the loan with who the credit card is with,i don't want to apply for a loan and be refused because of the amount of borrowing against my name even though it would just be transferring one to another
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MSE News: Payday loan ads could be banned from kids' TV
The advertising watchdog has launched a consultation on whether to restrict when payday loan adverts are broadcast on TV... Read the full story: Payday loan ads could be banned from kids' TV 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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Does anyone have experience of offering a lump sum for final settlement of a loan?
If so what is a realistic amount to offer? I have heard of people offering a lump sum to creditors in order to call an end to the loan. We are not being bothered by the creditor and don't want to stir things up whilst we are sorting out our financial situation. What would be a realistic amount the a creditor would accept…
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Paying loan using credit card?
Hi., I currently have a loan of £4000 with sainsburys at a rate of 5.8%, I also have a credit card that is now cleared and I have another 23 months 0% on balance transfers and new purchasewith a credit limit of £3000. Can I pay chunks of my loan off using this credit card or can't you use credit cards to pay for loans?…
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Welcome finance /ind. I won,
JUST BEEN TO COURT YESTERDAY WITH WELCOME FINANCE/IND AND WON. In may 2013 IND started legal proceedings as they stated I owed with interest over £5000 from a loan that I took out in 2006.I knew that I didnt owe anything as I had made over £3000 in payments up to June 2008. I then became unemployed but I didnt worry…
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Pawnbroking changes question.
Hi, I pawned an item with a well known high street pawnbroker almost 3 years ago and had intended paying off the pledge many times but have never been able to. I have extended the pledge each month paying around £30 pm but on my last visit i was told the rules are changing (i think due to the FCA) and that you can now not…
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Cancelling a car loan agreement and keeping the discount
I have bought a new car but to secure a discount that was offered for PCP and HP agreements I have taken out a loan even though I have the cash to pay outright. As I am within the 14 day cooling off period I have read on internet sites that I have a right to cancel the agreement and to pay the loan off without penalty. Has…
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Personal loan or remortgage?
Hello forumites, I need your help please. I've recently found myself pregnant and single. I have a small amount of debt on 0% credit cards which will be paid off before the end of the year. I also have enough savings to (hopefully) cover nearly a year of maternity leave. I am on a very good salary and I have about £70k…
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Boyfriend in a mess with Student Loans
My boyfriend is in some sort of trouble and it appears to be with SLC. It all started when we had an enraged call from his father claiming bailiffs had turned up at his door at 9pm one evening asking for him. As my boyfriend and I now share a rented house his father sent them away. They left no information for him to get…
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Home ownership status on application form
I have recently been refused credit by Apple who use PayPal for their credit plans. It was only for a £750 purchase and I’ve never had credit refused elsewhere. According to Noddle, I have a 5/5 credit rating and I know I have never missed a CC or loan payment for at least 10 years. The only thing I can think of that may…
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Home improvement loan after completion
Hello you wonderful guys out there - I am a first time home buyer looking for completion with a mortgage in about two weeks. The house being purchased needs some essential works done - like it has no flooring, kitchen and bathroom are nearly 'unusable', needs redecoration throughout. I also need to buy all the furniture…
