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Consolidation Loan
Hi guys, just looking for some advice. I took out a Personal Career Development Loan (PCDL) about 3 years ago and have been paying off ever since. I've not missed any payments, but because it has such a high interest rate I've just taken out a loan with a lower rate. According to some problem with the bank, they've waived…
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Old Student Loan.. will this be written off? confused!
I have 3 student loans from 91, 96 and 97. These have now been sold to erudio. I dont earn over the minimum threshold for repayment. Will the terms of my loans be those that were applied at the time of taking out the loans or have these/can these be changed when they were sold? Im confused. Ive been reading loads of sites…
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Lease car
We have a car leased via Renault, we got the car back in 2013 and after 2 months had our private plate put on the vehicle, we informed Renault, insurance etc etc the car has been serviced a few times and even had a new gearbox with Renault as was all under warranty. Anyway last month we got a letter saying they are coming…
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urgent advise needed
Hi, i'm a guarantor for some equipment for my husbands business. Other than that i have no input in his business. The company we have the loan with have been phoning me every month a payment is due. My husband has made every single payment - sometimes a little late but never more than 2 weeks. They have now sent me a…
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Looking for advice on applying for a personal loan
Hi, So, I've just landed my dream job after studying for 5 years and in order to make the move to start the job its looking like I'm going to have to apply for a personal loan to help with new flat deposit and first months rent etc. I did have some savings to help with this but they've now dwindeled down to pretty much…
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Best loan to apply for
Hello I would be grateful for any views that people have on the best loan to apply for to borrow £17,000 jointly with my husband for home improvements. We have a mortgage and credit card that we pay off in full every month. I know that Sainsbury's offer one of the lowest APRs for the amount that we are looking to borrow,…
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Paying a loan taken out to a company being investigated by serious fraud office
My in laws took out a huge bank loan to pay for a holiday home as an investment but it was never built. The company took the loans out in their names although they obviously signed the paperwork. The company involved are under investigation by serious fraud office as numerous investors were duped. How do they stand with…
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My deceased mothers car loan
Hello all, my Mum sadly passed away in November last year. She had a car loan through a lender who offers credit to those with poor ratings for ridiculous interest rates. She had the car for over a year before she passed away and never missed a payment. When she passed away I rang the company and requested a settlement…
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A&L Loan
I took out a loan with Alliance and Leicester in 2006 for £5000. Due to various reasons I was unable to keep up the repayments and have been paying £5 per month on advice from CAB. A&L has now changed to Santander. The current amount outstanding is £3649.46. This is good as it is gradually being paid off, but, interest is…
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Loan from employer
Hi all In the process of buying a house - my employer has offered to give a £20k loan (interest free).... Question is, would there be any tax implications on this? If so, what would they be? Thanks for any help....
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TSB Personalised rate
hi, Last month I had a rate offer of 10%, applied and was declined. Today it is 2.9%! I wouldn't have thought that 10% meant they viewed me as a big risk so was surprised it was declined. Was wondering if the reduction in rate meant I had a better chance? Also, the search hasn't appeared on any credit file so was wondering…
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Loan Promise
Hello, I recently a applied for a loan for £7,500. Tried Sainsbury's first and they accepted but not @ 2.9% (awaiting for agreement to come) Then thought I'd try my luck with Santander and they offered me the same but at 3%. Nationwide have now confirmed they can offer me the price promise 0.5% less which will give me a…
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Just found out my car has a logbook loan on it...
Hi, Hoping someone could answer a few questions for me... Here is the background: I bought my brothers car in January for £200 as it was a non runner, I fixed it and gave the car to my partner, this works great for us as we are getting marred in June so disposable income is all going in to the wedding fund so a cheap run…
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Taking out Loan
Hi i have some debt in a loan and credit cards i have 3 years left on loan and 3 years min payments to get card payed off would it be beneficial for me to take a loan out and pay both of with that? i have been looking at the Sainsbury's bank one for 5%
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Prepping for a loan
Hi Everyone, Just looking for a little advice. I would like to take a loan of approximately £7500 for a new boiler and double glazing. However the rates being offered are not really that good and I want to get the better rate. Affordability isn't an issue, just the rate. In the very distant past I have had an IVA but that…
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Car finance settlement figure
Morning all. New user to the forum so please go easy on me :) i was wondering if any of you out there had an experience of the situation im currently in? i have a car on finance which i took out over 60 months...im currently about 16 months into this agreement. Due to me now looking to buy a house i need out so i can…
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why minimum payment plus £1?
Hi, A lot of the time on here I read advice saying throw all your money at the highest interest debt then pay minimum payments plus £1 on the others, why the extra pound? Thanks
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Notification of defaulted loan help
Please accept my apologies if I have posted this in the wrong place. I received a letter from Cabot financial recently stating that I owed an outstanding amount on a loan to Blackhorse. I took this loan in 2005 and defaulted in 2009. After struggling with various debt for some time, I managed to clear all my debt, and…
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VT on HP but still left with a debt.
Hi, I need some advice. Three years ago I did an early VT on a HP but had not paid half. this debt has now been sold to a debt collectors. I have a lot of money worries , my husband is disabled and is not working. I want to know what my options are and If this falls under the CCA? Just thinking if it does to write to them…
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Loan rejection advice please!
Hello everyone, My husband has been rejected for a loan with Ratesetter, we are guessing that we have been rejected because of no credit history. Can anyone give advice please on where or who will give you a loan with no history? how can we build up history if we can't get a loan? I'm sorry if this sounds stupid I am a bit…
