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Searching
Hello newbie here I have a question, I am in receipt of a Teacher's pension payment every month as a Widower of a Teacher. I want to use the approx £200/month to finance the repayments of a loan for £10,000, my credit rating is not the best any advice on the best companies?
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Personal loan - wrong information given
I took out a personal loan with HSBC almost 2 years ago and they gave me wrong information about paying it back. I didn't do anything at the time as I assumed that since I had signed all of the terms and conditions, even though they told it to me wrong, there would be nothing I could do about it (although I can't find the…
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Disabled And Credit
Ok I suffer from FMS & PTSD I can not work due to this fact, Before being ill i worked 24/7. With benefits and disability I spose it makes up the average wage. but when I wanted a loan i made the grave mistake of going to provident their APR is over double. something I didn't realize till coming across sites such as this.…
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Bad credit loan?
Can anyone recommend a 'bad credit' loan company that's reputable? I can't get one from the bank as I work part time now since having my daughter so can't offer much. So trying to get one in my husbands name but the bank declined as he doesn't have a great crediting rating. We just one to consolidate all our debts into one…
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Clearing overdrafts
Hi - We want to clear our overdrafts and credit card balance. This will amount to about £10 000. Would anyone suggest that taking a loan and consolidating it into one amount be the best way forward or is taking more debt out the wrong thing to do. I dont want to go to the bank to ask for help because all they do is try to…
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2 months into a job
Hi Im 2 months into a new better paying job. I dont have a good history because I am always at the limit of my credit cards. I pay the minimum and use the little ive gathered (I know this isnt the best decision) and I have only been late on one credit card payment this past year. I could go and explain why I've got to the…
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should i get a loan to make car finance cheaper
Hi all, first timer on here!! I have car finance, which i have had now for a year and a half.It is over 4 years. But i was thinking of getting a loan to pay this off so i could lower the payments per month. I would be taking it out over 5 years. Is this a good idea or should i keep it as it is. I can manage the payments…
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Unable to get a loan. Considering Options
Hey All Firstly, thank you for taking the time to read this. In my younger years i racked up a terrible credit score. Since then i have been doing my best to repair it. I am currently in a job that pays well but need to consolidate a family loan, an overdraft facility and a credit card, i also need money for some urgent…
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What do banks consider a large loan?
Hi all Looking at a £10k loan but could probably reduce that a little if needs be, maybe down to £7.5 / 8k. Is this sort of difference of an relevance to the bank? Do they consider £10k as a big loan to try and be approved for? Thanks
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Would Loan acceptance chances improve over longer period?
Hi all I am looking to apply for a loan to consolidate various debts. Would I have a better chance of acceptance if I extended the loan over a longer period of time? IE lowering the monthly payments. Cheers
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Loan application rejected due to employment probationary
Hello, I applied for a loan (car purchase) but application was rejected as I have recently started a new job and am two months into a 6 month probationary period. What loan providers out there do not factor in length of service in current employment? Thanks.
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Personal Loan for a new car
Hi all After some advice please. I'm looking to buy a new car and I wanted to take out a new personal loan from my bank at 3.5% for £10k over 5 years. So I applied online expecting to get the 3.5% APR only for a few days later when the documents came though to only been approved at 9.9%. Triple the amount! I'm 28 and I…
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ARGHHHH!! FD Loan interest refund saga
Hi BELOW IS MY ORGINAL POST FROM A COUPLE OF WEEKS AGO: UPDATE: I have spoken to someone at FD and although someone else STILL needs to call me back what they are saying now is that the refund of £510 is calculated from July 15 to date. Because the mistake only effects our last annual statement. I have questioned this as…
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What will happen after Arrears?
If I missed 2 months standard monthly repayments then what are the options will I have for the pending arrears amount. Do lender auto deduct arrear amount whilst my Bank account have enough money?
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Nationwide 'account performance'
Hi I am considering applying for a loan through Nationwide. I hold my current account with them and have done for my whole life. I have gone into my overdraft but don't spend all of the time in my overdraft. I am not currently in my overdraft, but I do have £11.5k on credit cards. I just wondered if anyone could tell me…
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Secured loans.
I know it has been posted many many times before but here's my story and details and reasons for considering. Currently have a mortgage fixed for the next ten years @2.7% and have 22 years to go with £122,000 left on it. Could get any extension on the mortgage due to affordability. I have several credit card and a Loan…
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Logbook loan / Bill of sale
Hi all, Apologies if this is a stupid question but I have been wracking my brains a bit on this one. To cut a long story short, I took out a Logbook Loan against my vehicle a while ago. I am well ahead with payments on this. Anyway, a close acquaintance has just upgraded their car, and has offered me their current car as…
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Removing Name from Secured Loan?
Hi All I took out a secured loan in 2006. At the time my partner was living in the property and the loan company insisted it was a joint application. We split up last year and although the original mortgage is in my sole name and my ex-partner has no interest in the property. The loan company says they cannot remove her…
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Marsh Finance - Early Pay Off
Hi Everyone, Long time no post, Hoping someone can help as I appear to be going around in circles at the moment. I am focusing on clearing my debt, and have so far managed to clear a good chunk of debt, with the "finish" in site for January 2017. The only problem is I have a car on finance with Marsh and am wanting to pay…
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Loans
Hi, I really need some help here and I've been advised this is a good place to start. 6 years ago I was given money from a relative to buy a house. After a few months a loan agreement was signed to say that we owed the money and it could be called back at anytime. This agreement was done so if myself and partner got…
