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Anyone had any luck with the barclays loan guarantee offer?
Hello all, I am looking at taking out a loan to help my mother buy a car as she only works part time. I am looking at going with my bank Barclays as I have my mortgage etc with them and I am also pre approved so it's just easy. Just curious if anyone has had any success with the price guarantee they have? I have found a…
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Car finance seems so easy nowadays?
I'm curious as to how so many people I know with credit problems are managing to get hold of car finance these days? It's seems so hard to get bank loans and mortgages, even hp on things like electrical goods and sofas but car finance companies seem to be giving loans away. Everywhere I turn there are adverts for 'bad…
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Frustrating APRs due to never having been in debt
Hello all, With Interest rates at such low levels - I'm looking for a personal loan (~£20k) to help with creating the perfect wedding. I'm a homeowner, with 35% equity in my flat, valued at £370k. I've never been in arrears, I've had one loan in my life (10 years ago) that was paid promptly (20k in three years). My salary…
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Business loan or increase mortgage?
Hi, I'm new to posting on forums so forgive me any errors. I'm after some advice. My husband and I are looking to buy a business which is closing locally due to retirement. We have a large amount of equity in our home (60%) so I was unsure - would people recommend getting a business loan to pay for the purchase of the…
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creditor broke our agreement? help advice would be greatly appreciated!!
hello! newbie on the forum, its lovely to meet you all! i was wondering if i would be able to ask for some advice - my partner is an HGV mechanic and in October 2014 bought a new toolbox. this was bought via finance (approx £2500 total) the minimum payment was £69 per month however we made an agreement that we repay £100…
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Loan Advice
Hi Looking for advice would appreciate any. We agreed to have our boiler replaced and took out a finance agreement with a company here. They financed things through Barclays partner finance. Not long after installation we were forced from our home (can't go into details but it did involve violent and aggressive…
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Can anything be done about loan "mis-selling"?
Three years ago I bought a new car part-exchange at a well-known dealership in Harrogate. They really annoyed me by taking 2 weeks to get the car ready and then 3 hours to do the paperwork - I left annoyed but with the new car. Last month I got the "annual update" from the finance company and noticed I was paying 20% APR…
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First plus not rewritten agreement post ppi claim
Hi In 2007 I took out a loan with First plus with ppi years later I claimed it back and was told that the agreement would be rewritten as though I never took it out. Move forward a few years and this is now with elderbridge. I've found out today that the credit agreement hasn't been rewritten they've sold my debt on with…
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Citi financial
Hello! Hoping someone can help please. Twelve and a half years ago I took out a loan with Citifinancial. it was for £6.1k. (As I recall it was a loan rolled into another loan) with stupidly high payments of £238 a month, with only £89 a month coming off the balance and the rest being interest and PPI. Ten years ago I left…
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Car finance issues
Hi guys, Posting on behalf of someone I know. Basically he got a hire purchase on a car totaling around 8k. A couple of months ago he drove to work after a night out, hit a kerb and got breathalysed at 0.44mg, slightly over the limit. All legal criminal stuff has been dealt with, however; The car took quite a lot of…
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Chased for a loan i settled
Hi, Wondered if anyone could help me. Took out a loan with HFC in 2005. In 2008 had a letter offering good discount if I paid in full. Did so. But am being threatened with court action saying loan has defaulted. My account shows payment of the amount in 2008. Trouble is that HFC and HSBC merged into one and the collections…
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Student Loan Company Plan 1 and Plan 2 Repayments
First time posting on this Forum. I feel this has to be brought to peoples attention as it feels like it should be illegal. I have an old student debt from 2007 of around 5k. I've paid some of this off, although SLC have stopped sending me statements so I don't know exactly how much is left. This is obviously plan 1…
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Loan to repay overdraft+cc+some home improvement
Hi guys ,I wanna take a loan to pay of a couple's of cc and and to get out from a overdraft and at same time make some house improvement's. I am a home owner, mortgage left around £140k ,house valued at £330k , only me working in a family of 4 , about £13k per year after taxes ,self employed!! Looking for a £20k loan! Any…
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Student Loan Company Making Me Pay Plan 1 First.
First time posting on this Forum. I feel this has to be brought to peoples attention as it feels like it should be illegal. I have an old student debt from 2007 of around 5k. I've paid some of this off, although SLC have stopped sending me statements so I don't know exactly how much is left. This is obviously plan 1…
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What to expect.....
Hello.... starting a DMP with Stepchange owing 38k to 18 creditors... one of which is a unsecured loan with Moneyway for 13k... has anyone had any dealings with moneyway loans in similar situation? This is the company I am most fearful of ... thanks x
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Getting a loan as a carer? Help please.
Hi everyone, would like some advice please, is it possible to get a loan as a carer in receipt of carers allowance / income support without having to use one of the awful APR payday loan companies? Each one I have looked at only gives options for unemployed and comes back as 0% chance of being approved? I am a carer to my…
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Student Loans Company - still owe 15k over 12 years later...?
I graduated from Uni in 2004 and have pretty much worked flat-out since, I am still paying back for my student loans to the SLC and usually don't take much notice of this. The other day I noticed I still 'owed' the SLC £15k?! Something doesn't quite seem right about this to me... I have always made payments direct through…
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Cancelling loan impact on credit score
Does anyone know the impact, if any, of cancelling a loan within the cooling off period to your credit record?
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Looking for a car loan with 33% deposit, 33% month repayments, 33% balloon
Hi, Im looking for a car loan on a second hand vehicle with 1 third deposit, 1 third monthly repayments, 1 third balloon. - Loan period TBC Does any one know of any lenders that offer this ? So far Ive only been able to find lenders offering either deposit + repayments only (no balloon) or new vehicle finance through a…
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Need help with a decision
Good Day Everyone, I'll start off with a little background: My partner has just finished teacher training and has her NQT job for September lined up, I have just finish my degree at the OU and start teacher training in September (Salaried). We have 2 children who are 2 and 6. Our current predicament: We have about 15k…
