-
Just approved for a mortgage, can I get a loan?
Hi, Just been approved for a mortgage. We have signed mortgage agreement etc. and just waiting for house to be built. We also are desperately needing to update our car, how likely would it be to get accepted for a loan just weeks after being accepted for a Mortgage? Also would going for a loan put the mortgage in jeopardy?
-
Loan to buy cheap property for investment
Hi All, I'm looking to buy a freehold garage to rent out as an investment. This will probably cost between £8000 and £12000. Looking at rental prices in the area I should get a yield of 10% per year (£80+ per month rental income). I already own one freehold garage which I own outright and this could be used as security on…
-
Loans with twenty-four month holiday
Are there any other loans available with twenty-four month holiday for pilot training other than bbva
-
Refused credit and loan, not sure what to do next.
Hi all, first time posting here. Basically to cut a long story short, the lease on my car is due to run out in September and I've been looking at buying a car from a friend for £1600. I applied for a loan and got refused, and also applied for two credit cards mbna and Tesco, and also got refused. I've never had a credit…
-
Employer Loan/Bonus dilemma - HELP!!
Hi all - please beware the lengthy post as i try to explain the situation as best i can My employer has made me 2 different offers to stay at the company i work for (wont go into specifics but its public sector role) Option 1 base salary + 10K for duration of my employment The 10k would be subject to tax and NI but not…
-
Early Repayment of Halifax Loan
Hi I have a Halifax loan that i'd like to settle early, however, if I do i'll be charged 58 days interest. Now i've read on the forum about other companies loans that you can make an overpayment on the loan, leave a small amount left to pay, let this be collected by DD and you end up avoiding this charge. I've read my…
-
Car Loan with No Credit History
Hi, I have recently moved to the UK and am looking for any advice on companies that offer car loans to people with no credit history. I am earning really well and on a 6 figure salary but the lack of a credit history is hampering any ability to buy a vehicle which is essential for my work. I understand that interest rates…
-
Credit report and balance
I took a payday loan out with QuickQuid last week (£300) and paid it back in full 2 days later . My experian report showed £300 outstanding from them the time I had it, Now bearing in mind the account is now paid off in full, I checked experian today and it says £600 outstanding with them . Showing 2x£300 for the same day…
-
Online store credit on benefits
Hi all, I have a quick question about online finance. Basically I have left work to care for my son. I get carers allowance, tax credits and dla. I've lost some money per week by leaving work. I want to apply for credit on an online store but not sure if I would be accepted. The item is around £450-£500. -I have a loan…
-
Partner co-signed a large loan
Hi, looking for some advice if possible. My boyfriend co-signed a massive loan for his mum about 4 or 5 years ago I think (it was before we got together), he thinks it was for around £20,000. Since then his mum has stopped working and defaulted so they have come knocking at our door for the remaining £15,000 owed. Now here…
-
Outstanding student loan from 1998
I started university in 1998 and graduated in 2003. I took out a student loan each year I was in University. I started work straight away and began student loan repayments, automatically from my pay, the same year. I received an annual statement each year showing the outstanding balance until it was fully paid off about 7…
-
sant pers loan - online T&C signed but paperwork also sent
Hi All i wonder if anyone has had a similar experience, any comments would be welcomed i applied for a santander personal loan online, within 2 mins they approved the loan (9k) in the same email it stated "if you have already signed your loan agreement online through an esignature there is nothing else you need to do, your…
-
HP or PCP
Hi Im looking to buy a second hand car for 10,000 i have 2000 to put down as a deposit. I have the option of HP or PCP. I would think that in 3 years time or so i will want to change the car so what option is better? Aslo if i go for PCP am i better to put a smaller deposit down? Thank you
-
Credit checking address details
How do lenders get details of your previous addresses? if I have never registered on the electoral roll what other methods do they use?
-
CCJ procedure
Out of curiosity, if someone accuses you of owning some money and go to the small claim court, will the court just issue the CCJ letter? And then you will have to deal with it? Pay up or defend? If it is, isn't it a waste of time and energy for defendants? when you file it to court do you have to produce some supporting…
-
Taking out a loan straight after a mortgage
Hi guys, Looking for a bit of advice. I just completed the purchase of my first flat and I'm currently decorating. I would like to have the bathroom and kitchen refitted as they are currently both looking quite old and tired, however I only have about 6K in the bank currently, 2k of which is going to be spent on general…
-
Loan application supporting documents
Hi, I applied for a loan with Wesleyan Bank the other day, the contacted me for additional information about my outgoings (specifically rent payments) I explained my situation as I live with my parents and don't have a formal arrangement to pay rent to them. I received my loan agreement paperwork today as the loan has been…
-
Loan strategy
Short version I asked would it be a bad idea to borrow money for short term cash flow if the loan was affordable.
-
Student Loan Overseas AVP
Hi I am living in Ireland earning Euro but my UK student loan is in GBP. My repayments vary every month due to fluctuations in the FX rate. I have a post 98 pre 2012 loan. Irish bank accounts don’t pay large amounts of interest and there is tax of 41% on the interest they do pay, similar applies to most other…
-
MSE News: Student loans petition could be debated despite Government rejection
The Government has rejected a petition on the retrospective hike in the cost of loans for more than two million students...Read the full story: 'Student loans petition could be debated despite Government rejection' Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all…
