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Secured loan with Central Trust
Has anyone had any experience with Central Trust lender? Thanks
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Help! Standard Security Discharge - Scotland
Hi, looking for any help at all with this issue (sorry its long winded) We had a Picture Loan which we paid off in full in 2008. This had been secured against our property and the solicitor at the time confirmed the discharge. Unfortunately it has come to light that as there were effectively two loans (an initial on and a…
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Amigo loan... I'm so horrid
Hi guys just want to see if I'm alone in making this decision. My husbands daughter (24) asked us for a large loan to bail her out once again from cash flow issues. I put my foot down and said no way, as she never pays us back and is constantly spending above her means. Hubby then decided against my better judgement to…
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Relocation for a new job
The title says it all really, I've recently graduated from university and have just got a job offer that's a good way away from where I currently live with my family. Having just graduated, I don't have much money right now and will need to relocate for my new job. I'm considering a graduate loan from my bank in order to…
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Had to give up work. Combine debts?
Hi all. After 3 years of coping with my MS, love had to give up work due to the condition worsening & me no longer being able to cope with the work. I have an RBS loan, overdraft & credit card. I have 3 payments left of my 5 year loan (£291.87 per month), £798 balance on my credit card (£1000 limit) and a £1500 overdraft…
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Best way to borrow for refurbishment
Around this time next year (August 2017), i want to do a big refrubishment of my house. Current projections are I will have £40k in savings and will borrow £20k. The issue is that £10k (ish) of that is in an Isa with a five year fixed rate which expires May 2018, so I need to leave that there until then. Other than…
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Second charge / declaration of trust -parent loan?
Hi - be grateful for advice. My son and daughter-in-law are about to buy a house but the mortgage will only be in her name as he has a poor credit rating. The deposit is planned to be a mix of her cash (50k), a gift of 30k from me to my son and a loan of 30 k from me to both of them. One solicitor has advised we should…
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loan advice
I am considering a loan to make some home improvements. They may add to the value of my house but we're not planning on selling the house any time soon. I'd like to borrow somewhere in the region of 7k. I am permanently employed on a salary of 49k. Own a house worth 235k with 55k equity. Have a credit card I use regularly,…
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Money Transfer to pay off 'Graduate Loan'?
Hi all, Hopefully a quick question... I currently have a credit card with Lloyds with 4400 limit (Nil balance currently) and a £2915 (as of right now) Graduate Loan at 12.6% APR with Lloyds with 13 monthly payments of £250 to go. Slowly been chipping away at it all and now that £2915 is literally the only thing I owe and I…
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Loan to clear credit card.
Hi All, I have about 4K on a Barclays credit card, which has a limit on it of 13000. I am currently paying this back on the minimum with occasional bulk payments (which I know isn't sensible) I'm looking to get a loan for 10k which will allow me to clear the above and also put 6k towards a new vehicle. Before applying for…
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Cancel credit - improve loan acceptance chance?
Hi... Long one! My parter and I would like to buy a new car. Originally, I was going to take out the loan (10k) as the car will be in my name and I'm the main driver (so only seems fair). I compared all of the loans, and Natwest (who I bank with) was up near the top of the list. So I went through their soft search to see…
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Natwest Loan - Repay early loophole?
Hi! I'm going to be paying off the rest of my Natwest loan, £2000 approx. However, There is certain fees attached when doing an Early Settlement. I saw a historic post about paying in money to the loans 'account number and sort code' to bypass these fees. Could anyone confirm this or have any previous experience doing…
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Pcp/Hp?
Hi, I'm taking my second driving test and hoping to pass at the beginning of October. My parents will be buying me a second hand car either Pcp or Hire purchase, I shall be helping towards the monthly payment. What is the best way to go out of the 2?
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IKANO Bank Loan Applicatio In My Name
Watch out for fraudulent applications being made via IKANO Bank online load applications. I think I was lucky in that the loan in my misspelt name got sent for referral. Any upfront checks at the bank seem to be non-existent! And I am now penalised for having a tag against my credit reference as being a victim of identify…
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Hefty loan
Hi folks, Needing your advice once more please! I recently took out a loan (partner finance with Barclays) to pay for my £13k kitchen. It's at 123 months at 4.9% APR. At the end of the long term I will have spent £16,278.00. My repayments are only £124.90 a month. I see a lot of posts advertising low interest rate loans…
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Getting a Loan in Germany
I'm not sure if anyone on the forum has any knowledge of the finance system in Germany, but I'm considering getting a loan in Germany instead of constantly transferring money back to Canada to cover student loan payments there. It costs me 27€ to transfer funds to the Canadian account and I just noticed a $15 fee from my…
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Emergency loan - new job
Hi all, 1st time poster :) Just changed jobs for a much better paid one, however my last paycheck is only a quarter of what I need to get by and I won't see my new paycheck until around mid September. Are there any good services whereby I can get a loan to bridge that gap so I don't have to defer / miss any of the…
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£200k a year income; PCP declined for £650 pm
THE STORY Despite having a high yearly income and a stable financial situation with no late-payments/defaults, no matter what I try, it seems impossible to be able to get out of the sub-prime risk band causing nearly all of my very few credit applications to be declined - most recently at Mercedes Benz while trying to PCP…
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Anyone else having problems with Halifax? "Technical error"
I'm due to collect a new car tomorrow and have spent the whole day trying to complete my approved car loan through Halifax, but when if comes to actually finishing the online application and having the money transferred, it just says there's a technical error. Tried calling Halifax and they just told me to keep trying.…
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Increasing our mortgage or loan
Hi All we have a mortgage with Aldermore and only have £15k left so only 10% LTV, now we are looking to get a conservatory and complete refit out our bathroom. Now our interest rate is fixed at 3.9% and looking around at loans and lowest i have been offered is 6.5% and for finance for the conservatory is 9%. would i be…
