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When can I apply for another loan?
So I have never used anything to do with my credit score or that before until december 2016, I applied for 2-3 financing options on Computer Parts for Uni and my personal hobby, I got accepted for all 3 and thats all fine. Then I applied for a loan, got declined, then I tried with my bank, got declined. I was completely…
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I don't have the money to pay my overdraft with RBS
Hey, I took out a student overdraft about two years ago and it was interest free for a year. I never had the money to pay it when the interest free year ended and the interest started to build over months. I've recently received a letter for RBS and they have given me 28 days to pay my overdraft but I don't have the money.…
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Moneybarn Loan and overpayment - thoughts please?
I am considering using Moneybarn to help me with a car loan. Unfortunately I have a very low credit rating due to some mismanaged accounts and credit cards when I was away travelling last year. My credit rating is very very low, although everything is settled and I do have any debts or CCJ's etc. I hope that this will…
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Loan Advice, Urgent please help.
I am new to the forums so .. hello :) Basically, I am currently waiting to start my new job, however I don't start until the beginning of March. I have never taken out a loan before, and I need somewhere that has loans available for people who are unemployed, or self employed, without the need of a guarantor. I know for…
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Enquiry about paying a debt from Fredrickson/Fredpay
Hello, I have a £90 debt from BT which was handled to Fredpay and my question is, is it safe to pay the debt or will they keep on asking for more after the £90s are paid? I tried checking for reviews on Trustpilot but they have none there, Google reviews' has 10 in total which has an overall score of 1/5, plus, reading…
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Reasons for applying for loan?
Hi everyone, So, I have a 2k loan and wanted to increase it by 1k (effectively re-finance it, so apply for a 3k loan and pay off the other one). I called Natwest and they asked me what the loan is for, and I said moving house. Finally, they told me that if it had been for home improvements, a holiday, a car, etc, it…
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Barclays pre-SELECTED process ?
Hi all, I usually always get my car's on HP and tend to pay them off earlier than the term - this time round, I am a year in and not entirely happy with it so I am looking at selling up, paying off the HP and starting again. Rather than going via vwfinance on their 10.9% APR's and what not, I noticed Barclays are offering…
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Best way to pay off current loan
Hi there, I am new to the site and am just after a bit of help with regards to my loan I currently have. I have a loan with the outstanding balance of £2810.28 , I currently pay £168.41 and have 18 months left on this term which has an interest rate of 9.9%. The closing figure I have been quoted is £2958.75. I am just…
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Stealth Interest secured loan Lloyds
We recently took out a secured loan with Lloyds Bank on an advertised 11percent interest. We came home after signing the agreement with the knowlege of a repayment by dd for 463.95 on a 25k loan over 5 years. We have just had our first repayment taken for the 463.95 but have also had a second payment of 77 pounds taken as…
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Loan or credit card
Hi all I'm looking to pay off a few bills Am I better off applying for a loan, or am I better off applying for a credit card Thanks
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Discharge Fees when paying off a loan on the date it is due
I have a probably daft question but I am trying to make sense of it all. We took out a loan with Ocean Finance in September 2009 which was secured against the property so in effect treated like a mortgage.............the last payment is due on 04 March this year. Since we took out the loan the company has changed hands…
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PCP advice
Hi All, my first post..... I am wanting to get a PCP to buy a car but not one from a dealer which all seem very high considering I have a good credit rating. I want to buy from a Porsche main dealer and they will not budge on the high APR which I am not prepared to pay. Is there anywhere I can get a good deal on a PCP? I…
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Need to complain about loan rejection
Just been into Sandtander to reorganise our finances, consolidating debt, with small amount of cash left over to upgrade car, ending in lower monthly payment. Husband is S/E but has figures, I've got confirmed salary figures for after April, way over national average. Santander advertises personal loans at 3.1% APR Our…
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Advice about Loan Application
I applied for a personal loan today with RBS, this was to consolidate debt, 1 current RBS loan & 1 RBS credit card, also 1 credit card from another bank, I applied through my digital banking account and at the end the message was that i'd been approved and money would be in my account in 2 working days, which seemed too…
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Loan approved by underwriter could it still be declined later?
Hiya. My husband and I have applied for a loan for debt consolidation and to help buy a new car. We spoke to the bank via telephone and it was then referred to an underwriter who approved the loan subject to my husband closing his credit card accounts. We have to make an appointment to sign the paperwork. Could we go to…
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How do you prove income when on a drawdown pension?
I have jus retired and am starting to live off a drawdown pension, but was not planning on making regular withdrawals just yet, have the last of my salary to live on for a few months. However I need to buy a car and want to take advantage of 0% interest offer on Personal Contract Hire. How do I prove that I have the funds…
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Payday loan companies help
Hello I wonder if anyone can help me About 4 yera ago i put myself in a position that i couldnt afford 1 payday repayment so had to you a another company and this went on for some time until I had about 11 on the go at one I rang them all and set up repayment plans I briefly read about unfair lending and charges etc Just…
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help please parents being scammed
in short i have visited my parents today 15 years ago they purchased a conservatory for there home at a cost of £8000 they paid for it monthly as didnt have the full amount at the time i understand that paying for things over time incures apr but today they told me after 15 years of payments they still owe £13000, 5000…
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Loan Newbie
Hi all, I'm looking for a little advice please? I'm coming toward the end of my three year finance deal for my current car in a few months. I will be given the option to refinance or hand it back and start again with a different car. I'm happy with how the car runs & will be happy having it for another three years.…
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HELP Student loans 1995-8 sold to Erudio then to Moorcraft Debt without me knowing
I really hope someone can help me! I have been deferring my loans for many years whilst living a broad. I have done this via email. In 2015 I got many replies to my emails that they would be in contact but they never were. In the meantime I then had 3 children under 4 and had moved house/ city so I wasn't 100% focused…
