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Travel Loan
Okay, so I am a traveler by heart. I am planning to travel with my friends this 2nd week of January and we are already preparing for it. However, I am having a little trouble financially and I cannot ask my family to cover my expenses again (Never will I ask money from them. It just hurts me). Anyway, I really cannot miss…
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Lending Companies that give a loan for applicants who have bad credit score
Hi, I want to know what companies who approves loan for people who have bad credit.. Thanks..
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student loans not paid a penny for 10 years
Hi I was listening to the debt advise show on lbc which sparked my interest. I have been involved in various businesses since graduation and have always paid myself up to the tax free allowance and the rest in dividends. I also live very frugally and haven't paid myself a lot in dividends either. I heard that if someone…
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PCP agreement - full and final settlement agreement following complaint - question
Hi I have a car finance PCP agreement. I have stuck to all terms of the agreement and made payments as agreed. Recently I had cause to complain because, with no explanation, my online account showed that my outstanding balance had increased by approximately £1,500 and the company started taking approximately £10 more than…
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How Does PCP Car Loans Appear on Credit Report
Hi, I am looking at a new car and am trying to decide on the best option for me. Can I ask how a PCP (Personal Contract Plan) loan appears on your credit report? I may be re mortgaging before the end of the PCP term and want to fully understand what my credit report would look like if I was to take one out. If I was to…
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Very short term loan ....
Afternoon all, I am expecting a lump sum of inheritance in the very near future, however unfortunately the probate process took much longer than expected and I now find myself in the embarrassing position of having committed to a £20K outlay which will need paying around 3 weeks before the inheritance is paid out. Foolish,…
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Silly question sorry!
Hi, I'm not sure if this is a very stupid question, but I have called up to ask about my loan overpayments and was left a bit confused... Basically the advisor said I can make unlimited overpayments but it won't affect the amount of the loan just means I will pay it off quicker. So my question is do I save on interest if I…
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Send evidence to Erudio Student Loans by email?
I submitted my deferment form to Erudio Student Loans and they asked for more evidence about my Tax Credits. I sent a copy to them recorded delivery but after a week, the tracking number shows it has not arrived yet. I was going to resend the evidence by special delivery on Monday but I was wondering if Erudio accept…
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loan for 6 months
i need a loan for £4000 now dec 2015, but i'me getting a lump sum in 6 months time june 2016 which would pay it all off, i don't know the best way to go about, should i get a loan or is there another way
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Car Finance - HP / PCP
Hi Wondering if I can get a bit of advice. We brought an Audi direct from our local Audi Garage in October, the list price was 21k and we traded in our car as a deposit. We were looking to get a PCP deal, this is what we asked for and believed we were purchasing. Having been excited about getting our car, maybe we didn't…
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Early termination of PCP (3 months in)
Hello everyone, I picked up a new factory-fresh Ford Focus on September 5th 2015. I ordered it with sat nav and a couple other options. When I picked up the car, I was briefly introduced to the car and its features, but neither me or the salesman spotted it didn't have sat nav. I noticed later that day, and after much back…
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Loan from mortgage
Hi there looking for some advice, my fixed period of my mortgage is due to expire at the end of January 2016. When re-mortgaging 2 year ago to make things easier at the time we borrowed money on top of the mortgage to consolidate debts, now that the fixed period is ending I am wondering if it is best to leave the £5500 at…
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HSBC want to 'unsecure' business loan
Hi. Any help would be appreciated. I received a letter today regarding a secured term loan that I have with the HSBC. It began as a £70k loan just over two years ago secured on a property we purchased with the loan. The balance remaining is £65k. The letter states, and asks our permission by returning the signed…
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Student Halifax Overdraft Help!
Hi, I currently have a £1000 student planned overdraft with Halifax. I am looking to increase that currently to cover early rent costs demanded by landlord and health costs after a sudden complication with my body. Will I incur any costs if I increase the overdraft? Such as daily fees etc as I know these can be seriously…
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Secured loan
I have 335000 equity in my mortgage free house. I want to borrow 100000 to self build a house on a plot I own and repay the loan from rental income. If possible I would want to defer the repayments for a year but this is not essential Does anyone know of a loan that would suit?
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Where to put my money
Hi I have £30k that I am looking to put away for 1 yr and then will look to get a mortgage. please please can someone advise me whats the best option for me and my partner to do??
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Repaying loan early to take new loan?
Hi everyone, new here so a big hello to everyone! Basically I took out a loan with The Money Shop and have 2 repayments left to pay (always paid on time) With Xmas coming I wanted to take out a new loan to help me through however they don't allow you to have 2 loans running. My credit rating is awful unfortunately (due to…
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Swift Sterling - Debt Cleared
I am in a debt management pan now for two and a half years. I asked them to get an up to date set of ballances from my creditors one of whom was Swift Sterling, I had estimated that the outstanding balance with them was £700. However the Debit Management company told me that the debt had been cleared and there was a £70…
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Loan repayments – is a loan "write-on" legal?
Hi, I'm not sure if this is the right board so feel free to redirect me! I had a pre-1998 student loan that was sold to the evil people at Erudio. Despite being easily eligible for deferment their scare tactics and intrusive forms were too much for me and I continued paying off my loan through maternity leave and beyond…
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V12 Finance Problems
Hi, I am currently a student, I am trying to buy a camera, via V12 Finance on 0% interest, 12 months with a deposit of 25%. I have been declined, and I have no idea why. I have a fair credit score of Experian, and an excellent score on Equifax, and on CallCredit I don't have a score as they don't have enough information…
