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Co-Applicant
Hi, My wife and I are thinking about a new/newer car in the new year. The issues is my wide has a good credit score (470 Equifax) and I have a poor score due to a default my score is (360). So if we come to buy a car my wife could apply but she only has a part time job and the figures look bad showing she could not make…
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Loan to pay off DMP
Hi, I entered into a DMP c. 4 years ago (c. £50k on 4 credit cards), and now have c. £20k left to repay. I have been looking at getting a loan to pay off the o/s amount, but struggling for a couple of reasons : 1. The DMP is showing defaults on my credit history, so most lenders straight away say no. I was even declined by…
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Next Step Advice!
Hi there, I’m not 100% this is in the correct place but as long as it’s somewhere. I really need some advice on my next move and here’s my predicament. Basically, I ran into a very tough point in my life earlier in the year and started overspending and living beyond my means. I’m not the first and I’m sure I’m sadly not…
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Loans are tax efficient
With loans you pay now using future earnings, if you do that you won't have to work overtime paying lots of tax, and the future earnings you do pay from will be less taxed and may even include tax credits. Obviously caution is needed and quick repayment, hopefully you never need to borrow, but I do think it can be more…
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I'm 21 and have a default..
Okay so when I was 20 I took out a loan from Wonga, didn't pay back on the promise date, they called me the first few months and I kept saying yeah ill pay it dont worry, it got to about August the next year (2015) and I finally had enough to pay the loan back (£460), when I rang to resolve the amount, I asked why they…
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Unsure about next move...
Hi everyone. Just after some advice on my next move regarding my current situation. I currently have 20k of unsecured debt and, although I am by no means struggling, I didn't exactly get the best rate on my loan as you will see. Loan £7500 - 60 months - 20% APR CC1 £4200 0% ends in 18 months CC2 £3700 0% ends in 18 months…
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Aviva life insurance with natwest loan
In May 2012 at the age of 24 I got a call from a customer advisor in my local Natwest branch inviting me in to discuss taking out a loan to pay off my student overdraft and credit card which together was about £2500. I got approved for a £5000 loan for a term of 48 months where I paid £141 per month. However, the guy who…
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Help with debt recovery from closed payday loan company
Hello, I have just receieved a phone call from a company called blackstone who have told me I have £226 outstanding from 2013 from a company called Noveau finance. I said I have never heard of them and was told that it was for a payday loan called payday lender, which I have also never heard of. Can anyone help as I did…
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Shawbrook Loan Balloon Payment & Early Repayment
Hi Has anyone had experience with Shawbrook Bank in making a balloon payment on a loan then repaying the remaining balance early? I'm about to sign a credit agreement for some windows & doors ordered via Anglian Windows. The finance price is £2800 less than the cash price so my plan is to sign the finance agreement then…
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Loans better than overtime?
When I do any overtime I lose about 1/3 in tax and NI, and if child tax credits are considered (41p in the £) its like a 73% tax upfront! Surely a personal load paid back quickly is a cheaper source of quick cash? (Weddings, investment, etc), granted you have to pay back the original, but as far as making our work go the…
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Can I circumvent the broker?
So I'm looking around for secured loans to finance a new business opportunity (my provider won't agree to increase my mortgage because of "affordability" issues, but won't take into consideration the potential business opportunity). Therefore there's a couple of secure loans deals on the table that will still ensure the…
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Provident Loan question
Hello, New to this, so apologies.. Cut a long story short, I applied for provident loan online, got accepted and an agent rang me and arranged to come round to see me tomorrow. :j But, and this is a big but.. im struggling to find acceptable proof of address.. I'm a lodger at a family friends house therefore I have no…
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incorrect credit agreement
I have just read through (properly) the credit agreement I have for car finance and the figures are incorrect. The total amount of credit does not calculate to the breakdown of figures. Also, the amount I'm paying back is less than the total amount of credit, but appears to match what the correct credit figure should…
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Provident debt sold to vanquis
Hello I've just had a letter today saying my provident debt has been sold to vanquis, I thought these were the same company. I had a loan with provident and i moved to a rural location, the agent asked I could drop the payments off to her since she didn't drive which was fine for a while but then i seen sense and realised…
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Advice re.borrowing
Hi, I’m looking to consolidate some debt and just wondering what would be best. I have £4320 on an MBNA credit card which is 0% until July 2016. My aim is to settle this debt by January 2019 and I’m trying to be proactive in how best to clear it. Option 1: Obtain a personal loan: To take advantage of a lower interest rate…
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car loan early settlement figure
Hello I have a car on finance and there is currently £737 owing last payment being due in january. I emailed the finance company and asked for an early settlement figure thinking it should be less than what i actually owe. Im not expecting hundreds knocked off but i expected something, but they came back with the exact…
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Vehicle finance - early termination
Hello everyone sorry if I'm not posting this on the correct section, I'm new to this, I'm after some advice In May of this year I got a brand new Vauxhall vivaro van through a well known finance company on a lease, cut a long story short not long after I got it, it developed a fault on the gear box, been in and out the…
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Diego Loans
Has anyone had any dealings with this company, a friend of mine has applied for a loan and it just seems all too easy. They are asking for an up front fee as well.
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Peugeot finance company in 2007
I bought a car through Peugeot in 2007 using their finance company, could you advise which company they used? Trying to claim PPI. Thanks
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Am I right to Complain?
I recently got a Consolidation loan to Consolidate another loan and some other debt. On 9th October I was given a settlement figure of £13833 but my Consolidated loan sent me a cheque for £14000. I called and confirmed what I should do so I got the procedures right and was told to send my cheque to redeem the loan and I…
