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Does the eligibility checker actually work?
Hello, Just curious about the loans eligibility checker and whether or not it does work. Reason for asking is that when I carry it out I get a 60% chance of approval for Zopa yet I know full well I would not be accepted due to 3+year old defaults. Thanks :beer:
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Loan affordability help
Hello I took a loan out 1 year ago. It was for 5 years for £40000 - £750 per month. I used it to pay off all other debts. The loan was just in my name. It was with Barclay's from my single account, when i logged into online banking it was under the pre-approved offers. I have never missed a payment. My soon to be ex was…
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DMP advice
I've gotten myself into debt. I have just under 5k of debt. I work part time, single parent. I stupidly took loans with GR finance (doorstep lender). I've made enquiries about a debt management plan with Gopher money who use Harrington Brooks. I am due to pay the doorstep lender on Monday. I pay £100 a week, and it has…
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Bank as a credit supplier - any responsibility?
Can anyone PLEASE help me here? Last year I paid over £10,000 for new windows and doors to be installed by Safe Style (SS). I have had several problems with the doors since their installation. When the SS salesman first came round to give a quote he assured me that if (!) there were any problems with the installation, I…
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247 car finance
Hi anyone had any joy with 247 car finance with bad credit, I have asked for a £1000 over 60 months for a motorbike just waiting to hear the outcome with will be rejected I think, just wondering if people have got one with bad finance and how much did you get, I think the amount I have asked for is not as much as some…
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Lowell Portfolio I Limited
Received a letter off this company today stating I owed them £840 42p, from a debt i owed the telecom company o2. The debt is supposedly from 26/06/2012. I have never had a pay monthly contract with o2 as i have been with orange/ee for the last 6/8 years. How do i go about dealing with this situation as it is not the first…
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Car & Kitchen Loan
Hi all, this is a long one: I'm just wondering how others would tackle our situation. We purchased a new house last October. The property needed a complete overhaul and we've done most of the work except, re carpeting upstairs (we've got bare floorboards at the minute), relocating the downstairs loo and removing a couple…
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Loan/Finance dispute
Hi, I have a loan/finance with a company call First Home Finance, since I took out the finance in 2014 I don't believe I have receive any annual statements, to check this I have requested a Subject Access Request, when I requested this via email, I received a phone call from them immediately asking what it was I wanted as…
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Paying Off Loan With Credit Card
I currently have an unsecured loan with Nationwide Building Society, which i currently owe £9796.00 until it is paid in full in Nov 2018. I am currently paying £357.59pm. The loan was taken out in Nov 2013 at 7.40%. My question is ,could I repay the loan with a 0% credit card or maybe take out another loan with a lesser…
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Car loan needed - have defaults
Hi, I have an 11 year old car, which is expensive to run and is costing me increasing amounts to keep it on the road. Without going into loads of detail, I had some financial problems a few years back, which caused defaults on my credit file. I'm happy to report that i have been paying towards all my debt for the last 4.5…
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Student Loans after returning from abroad
My student loan was deferred whilst I was abroad up to a year and I came back early due to having an accident abroad. When the year was up I received an assessment which wasn't filled out straight away, and there was a gap of around 2 months (may have been more) before I sent the form back, with all evidence required to…
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Car loan - no credit history
My daughter is aged 20. She lives with us. She has recently started two part time jobs earning around £8k per annum total. We live in a rural area so she really needs a car. She has virtually no credit history - just a debenhams credit card which she paid off and cancelled after the first month. She has a bank account with…
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Parent taking a loan which I will pay back
Hi, Just looking for some advice. We have our deposit ready and agreement in principle to buy a property. We are short on the stamp duty due to my partner owning a place and the recent increase in stamp duty for 2nd homes (I am a first time buyer, he is not). The stamp duty would be £6000 if I was buying on my own but is…
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Affordability
I have a joint mortgage with my sister and she has acquired £40k debt which we were looking to get a loan to pay off. The cost of the loan would be substantially lower than what she is paying now. Our mortgage only has 5 years to run. However we keep getting refused because of 'affordability' both for a loan and with our…
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Can a Joint Loan be taken in my name?
Dear All, I have always been under the belief that a joint loan could not be taken in my name without me co-signing however an ex partner has advised that I have a joint loan with them. I am unsure if this is legally plausible and have not signed any loan forms. Please could someone advise how I would stand legally? Many…
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Attachment of earnings on old loan
Hi Not sure this is the right place to put this but here we go... I currently have an attachment of earnings, the court put a restriction on the it could only be deducted if I earn over a certain amount each week. I have been on maternity leave some December and haven't earned enough for it to be deducted ( apart from one…
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Loan
I might have to take a loan out to purchase a new car, as my car is in the garage and it is becoming an expensive bill. I have just checked my credit rating and it is excellent 642 using noddle. I don't want to take a loan out but i depend on the car as we have 2 children. Thinking that I am interested in the Mazada 5 (7…
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Advantis Credit Limited
A letter has dropped through my door requesting confirmation that a (named) person lives at my address, he doesnt and I've never heard of him. They quote his previous address (a rental some ten miles away) and ask me to ring them to confim or deny that he lives here. The letter ends "If you do not contact us we will assume…
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Loan of mother to buy house.. Tax??
Hi Folks, Basically my mother is in the position to both give me 50k for a house, and another 50k as a loan, rather than getting a mortgage. She is planning on moving to Spain and therefore is using money from sale of the house in England to lend me. Couple of things, would we have to pay tax on this loan as it is a family…
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Regulated/Unregulated
Hi All I've posted here as its the most logical place but apologies if it should be posted on another forum. Basically I had a regulated consumer credit product on a lease then a guy phoned me from the company I bought it off telling me everything would stay the same but when i've seen the contract its actually a service…
