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Fair Credit
I am looking for some advice as to the best way to consolidate my debts. I am currently living with my partner who pays all of the bills and rent etc. I have been living with him for 9 months after giving up the tenancy on my previous home. I lived there for 1 year. Prior to that I had a mortgage which was repaid when that…
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Loan Agreement
Hi can anyone give me some info as to the loan agreement I have , I recently checked my agreement and found that my agreement had the Brokers fee added on to it increasing the loan amount I had asked for , just wondering if this is correct.
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Refund of loan interest due to CCA breach...
Hello, First time poster so please be gentle! We've recently received a letter to inform us we're entitled to a refund of interest from an old loan (Picture) that we paid off last year. We realise it's an unexpected windfall and it's come at a very handy time. The problem is that the letter stated that the refund would be…
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First Direct Loan advice please
I need a loan, I need £3,500. First Direct offer me a £3500 loan at 16.9% APR, I would take this over 3 years, so my total repayable: 4,414.34 - total interest payable is 914. However, if I get a loan for £7000, it reduces the interest rate to 7.5%. Over 3 years, total repayable: 7,814.59 - total interest payable - 814. I…
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Should I extend my personal loan to cover credit cards and overdraft?
Good morning everyone. I am seeking some advice. I am battling back in my fight with my credit rating. A few years ago I was foolish and didn't realise that a default could have such an impact. I've got my credit rating back to 'fair' on experian. A couple of years ago Lloyds offered me a credit card which is on 18.9%..…
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Swift Sterling
Can anybody help me , I am trying to get some details about swiftsterling payday loans. I have paid off my debt to them and made a complaint against them. They talked to me two weeks ago via live chat but now they have disappeared ? can anyone shed any light please. Thanks in advance
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extend existing mortgage or get loan?
I currently have 7 years left on my main (25 year) mortgage (rate about 2.79%) and have just purchased a BTL property. I am planning major renovation work on the new property (spending around £75K) which will bring the place up to a high standard, increase its market value and increase the rental yield (e.g 5 bedrooms…
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Can I renegotiate my loan?
Hi all Back story here is my boyfriend had loans all over the place and we consolidated these into one loan for one easy monthly DD (stupid bit was we were not paying interest and we now are). OK - so 2 years ago we took a loan out with Natwest (my bank) for £8 000, paying back £212.87 pm for 5 years, total repaying around…
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Paid of loan now payment lost
Hi please read the below trying to be simple Had a loan with creation for a DFS sofa. Paid the remaining balance of in AUG 15 Sept creation write to us for monthly payment missed. Rang them, supplied details & ref how we paid.. They said they forward onto their banking team. 2 days later no trace so we had to scan our bank…
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Two smaller loans or one larger loan?
Hello I imminently need to borrow for two items of planned expenditure (1) for a new to me (used) car (2) for new windows / door for our house. I will need approx £5,000 for the car (to add to what I have saved and my part exchange) plus I am expecting to need about the same amount for the windows, pending quotes. Car I…
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Consolidation Loan & Car Finance at the same time? Advice Please
Hi All, As the title says really. I am currently awaiting for my credit file to be updated after paying off over £6500 worth of debt early last month, experian advise it will be any day now, so I should have either a low Excellent rating or a mid to high Good rating. I have a loan with Natwest which is down from £20k to…
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Fair Credit Needing A Loan
Hello, First time posting, not the best with money. My credit rating is fair and I am after a loan to consolidate my credit cards. Credit rating says Fair because of the amount of money borrowed, £7000. I'm looking at getting a loan for £5000 over 5 years. I work part time, earning around £520 a month, I only have a mobile…
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Mark Group Administration / Creation loan
Help! Last year OCT 14, I took out a 0% loan through Mark Group / creation finance for a boiler instillation, including 5 years worth of servicing to maintain warranty until the finance had been paid off. Subsequently, I have not received my service as agreed in my initial contract, and so cancelled my direct debit. It…
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MUM ripped off - Hitachi loan to finance British Gas boiler HELP
My mum has just passed away, we are currently doing probate as my mum never left a will. We have found a loan agreement that she made with hitachi finance to fund her boiler installed by British Gas. The boiler cost, labour, materials came to a total of £3367.70. We know this to be inflated as we got an estimate for the…
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destroyed cedit rating
Hi all i hope someone can offer advise , my daughters boyfriend sadly was suffering from depression and got them heavily into debt before tragically committing suicide. He struggled to hold down a job and at 28 years of age had no valid life insurance. They were renting with my daughter as main bread winner. She is…
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PCP Car Loan High APR
Hello, This is my first post on here so I hope someone can help me. I've just taken a PCP out on a used car for £15000 and noticed that the APR is ridiculously high. 10% through Barclays. My credit rating is reasonable and First Direct will loan me money at 5.9% APR. I have signed the documents and collect my car tomorrow.…
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Money back from disappeared company?
Hi all, I started an account with one of those loan sites, and when I realized they charge a monthly fee for just signing up tp the sites (I didn't get any loans), I requested a cancellation and refund, as I was within the timeframe for one. Their reply was: "Thank you for your message Further to your request your account…
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Loans after death
No longer relevant. Please delete.
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Blackstone Debt Recovery
Just had a missed call from these and decided to phone back thinking one of my debts my have been sold. The guy asked for my address but only had my previous address from 5 years ago. He told me that I owe them £500 from a loan I got from a company called Nouveau Finance 4 years ago, a company I have never heard of before.…
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Loan interest
Can any one help me I have a 10,000 loan on 3.7% I get 10% of the interest back after the term ends (5 year) wich is around £95 however if I overpay I do not get the 10% back The question is I would like to overpay but cannot work out how much I would need to overpay to break even on the cash back before making a saving on…
