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CDL repayment question
Hi there, I have a query regarding the repayment of my CDL and I was hoping somebody would be able to help me - I hope it's not a silly question. I took out £10,000 loan initially over 5 years, however I reduced the term to three years. I am now down to about £6,500 after a year, but I was hoping to start putting extra…
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Tsb overdraft
Hi I hope this is in the right category. I'm 22 now so I'd say 4 years ago 2011 when I was 18 I was foolish enough to take out an overdraft of £2,000 which I accept is irresponsible on my part. I was earning £900 a month and I did it through my lloyds tsb app. I maxed out the overdraft and kept snowballing always using it…
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Eligibility checker gave me Rate Setter then George Banco-Is it all a con?
This is my story with trying to get a £2000 using the eligibility checker from this site. The results said I would have a 70% chance of a loan for £2000 with Rate Setter, so I applied. Accepted my application, but then declined me for reasons unknown. Unfortunately, I innocently ticked the "If we decline you, we will ask…
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Credit cards when applying for loan
Hello. My car has almost died and I'm looking to take out a loan between 6k and 7.5k. I have 3 credit cards, Santander 123 that I use regularly, (£2800) a Halifax one I use mostly only when I'm abroad (£2200) and a Lloyds duo that I haven't used for 6 months or so.(£1250, Stopped when I got the Santander) Will this impact…
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Pcdl
Hello, I am planning to apply for a Professional Career Development Loan. I have received the application pack, I was not aware you had to choose to apply to either Barclays OR Co-op bank. How do I know which one is right for me? There is not any info on the difference between them. I do not bank with any of them and I am…
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Little Loan Advice please.
Hi, So as my name suggests, I'm in debt. But 2016 WILL be the year it changes :D . Need some opinions really, my debt was racked up through gambling, 3 loans and 2 CCs. I always see people posting you can only really borrow half your yearly salary. I have a mortgage too. So why was I able to get loans of 8K, 10K & 10K and…
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Payday Lenders..... claiming back £££??
hello, Back in May 2010-2013 i stupidly got myself into alot of trouble by using payday loan companies. One large bill i couldnt afford got me into 3 years of spiralling debt, i could afford to pay the 1st loan off properly so i took at another one... and so on. By the end of 2013 i was borrowing off 9 different payday…
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RBS loan repayment help
Hi, I am currently in the process of agreeing a loan with RBS but I am slightly unsure on the meaning of some things in the agreement. 'If you choose to repay the Loan early, either in full or in part then an early repayment fee will be payable. The fee will be an amount equal to 58 days' interest at the Annual Rate of…
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Career Development Loan repayment.
Hi. I got a career development loan from the Coop to study for an MA. This was in 2008, I think. I borrowed £8000 at 12.7% interest, and as I was in no position to pay it off in one go, I've been making my monthly repayments for the past few years. I've paid over £8000 now and only have a couple of thousand left to pay.…
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cant get a loan to consolidate my payments
i am 28 years old with a very poor credit rating. I have some large personal loans with friends and family who need their money back asap. i also have pay day loans outstanding as well. I dont earn enought o cover it all monthly on top of that i am a single dad who pay towards Child maintenance. My problem is i cant get a…
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Best way to raise funds?
Hi I am in a position where i need to borrow money to pay for my wife to have some tests done as the NHS waiting list is too long and we want to have whats going on diagnosed sooner that the NHS can help I am not sure how best to proceed I have no defaults , earn £28k a year , sole earner in the household , no other debt…
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Amigo Payday Loan Application
I was having a bit of money trouble a couple of weeks ago and was browsing through some pay day loans applying and seeing what I could potentially get. Some time later I received a letter saying that amigo loans have accepted my loan and enclosed my 'loan application in 3 easy steps' The first step was the check the loan…
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Consolefinance.com is it legit?
Hi Firstly sorry if this is in the wrong place but I wasn't sure where to put it. Asking on behalf of a friend, has anyone used consolefinance.com? Just wanting to know if it's a legitimate website. Thanks
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Close Brothers Premium Finance Group - Insurance Renewal
Looking for some help/advice here. Have recently renewed my home insurance with Swift Cover who use Close Brothers Premium Finance as a premium provider via a direct debit I pay to them. Year went around no issues! However I renewed at the start of November over the phone and received a direct debit form a few days later…
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Natwest overdraft - when and how do I pay back?
Hello, I've just gone for my first overdraft of £100 to pay for an unexpected bill this month - I'm just curious - when will I have to pay it back? During the process Natwest states they may request it at any time but surely it's not completely random? Also, how do I pay it back? Is it taken automatically from my bank or…
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Transferring part of loan to credit card
Hi all, just been accepted for a 0% balance transfer card for 21 months with halifax 0 fee. I've transferred my santander 123 account card to this which is 1800. I've got a tesco loan which I'm paying 261 pm off and I've got £3920 left. It says on halifax that I have 6 months 0% interest on purchases so I assume paying off…
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Small loan is crippling me.
So I have somewhat of a problem. I took out a loan a few years ago for 5K. For a course I wanted to do. Turned out the course was not what I signed up for at all, but a ridiculous contract meant I couldn't get out of it by any legal means - even death. They expected payment on death, made me laugh, but I digress. After…
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Car Finance Query
Hello all knowedgable posters, A year ago last month I took out a car finance package (HP) - due to a change of circumstances my family has now grown and need a slighlty bigger car. Does anyone know if I were to go through the original financer I could get a change - I know that things like the term length will increase,…
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SCS and Creation Finance
Hi, Having a complete nightmare as i can see many other people are!! We got a sofa from SCS and paid the deposit on the 31/01/2015. On a 10 Month buy now pay later. The 10 months is up and we have had no communication from SCS or Creation. (Yes ok we should have been paying attention) however we then find out that the…
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Car Finance how to get out of
Hi guys I have a interesting issue that may take time to explain so Ill start from the beginning; Bought a car from ACF back in 10/2011 which is part of "The Funding Corp" £7000 car 2008 model car with a apr of 50% lets just say its a lot of money I had to repay anyways last week the drive train snapped destroying the…
