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Investing postgraduate loan
Hi, Just wondering if I could get some insight to if this seems like a financially sound idea. I am coming to the end of my masters course, and have not taken out the available £10,000 postgraduate loan to do so. It has recently occurred to me that because of it being a "good" loan to take out compared to a mortgage ect.…
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Car Lease
Hi All, After a bit of knowledge from you all. Long story short but my credit history is bad. Went mental during uni and after and then spent yours denying it leading to 2 deafults on account. I am now completly out of debt so have been for a number of months. However my car is about on it's last legs, and could with a new…
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PCP - Prempt changing mileage
hey, Just looking for some opinions. Searched around but often easier just to ask direct. I have a 3yr PCP on a focus that will be 2 years old in sept, based on 12k miles but I do about 15k I guess (6p/m excess) so I’m fully aware about charges etc. But in sept I’ll be moving and then my mileage will be jumping thanks to a…
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MotoNovo Denying Finance to Customers who VT
Hello, I recently made a tentative enquiry to MotoNovo about voluntarily terminating a hire-purchase agreement on my car. I realise that all finance companies will add a note to one's credit file whenever they opt to voluntarily terminate an agreement, however I was surprised to read, in the copy-and-paste response I…
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Need to borrow 35k need help
Hi all! Hope you are well!! I need to borrow around 25- 35k Why would be the best one to go for? Sainsbury's have the best loan apr but for only up to 20k Without going into so much detail, the money is going to be used for a "green" project low emissions etc.. but I couldn't find any leanness in the uk for this(plenty in…
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PCP - right to withdraw
Hi, From what I understand, a PCP contract comes with a 14-day right to cancel with no penalty (only a daily rate of interest)? Would taking out a PCP and cancelling within 14 days, have any impact on my credit rating? If I was unable to cancel within the 14 days, and could only pay the full amount after the first months…
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Halifax clarity loan
About to apply for a Halifax clarity loan where I plan on making over payments when I do make over payments would this then mean that the monthly direct debits will reduce each time I do as it did with my old zopa loan
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Paying Natwest Loan Early - what does this mean?
We have a Natwest loan which has a balance of £9500. The original loan was £10,000. We've had the loan since October and have paid 5 payments of £251. APR is 17.44%. :eek: I want to repay this loan tomorrow but the lending department is closed today so I can't get the settlement figure. Now it says 58 days interest on the…
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Ex forged my signature on a loan.
Help!! My ex boyfriend took out a loan with a finance company in Jersey. The loan was for £25k. He filled out an application and put my name on it. We had only been together for a couple of months and I did not agree to having my name on the loan. He didn't get my details right on the application. He got my date of birth…
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SLC/Thesis Deferment problem
My loans are from the nineties and have been sold to Thesis - and another company whose name escapes me for the moment. I applied to defer but have been told more proof is needed this year. The only change in circs is that I no longer receive DLA (my PIP application was denied, but I hope to appeal). There is no deadline…
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Unsecred loan or Mortgage?
Need some advice please on a loan we require for a small house extension - require a loan of around 25K. Am I best getting an unsecured loan our going down the mortgage route? House is worth around 420K and we have no mortgage currently as I was able to pay off when I was made redundant about 3 years ago. Now re-employed…
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Am I likely to get a Car Loan?
I am a 30 year old who has just passed my driving test (yes I know), and I would like to get a relatively cheap car on finance. Do you think this is possible? As recently as January I wouldn't have been concerned, but I have discovered that I brought a number of black marks against myself since then which could cause…
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What should we do?
Hello, We are a very recently married couple who have recently bought a house. We have debts totalling approximately £15000 Credit card 0% interest £3700 Career loan 9.9% interest £5000 Car loan 2.5% interest £5000 Sofa finance 0% finance £1000 I have also recently paid off another credit card at £2000 We have another…
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Zopa loan help
Hi there. My partner has applied and instantly approved for a loan from Zopa. She has a 3.8% rate and had to sign an online credit agreement/contract. Upon logging into Zopa now the loan shows accepted and so my question is because she has signed a credit agreement/contract does this mean she has been 100% approved? She…
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Bad credit guarantor loans
Hi, i'm currently looking to consolidate my debt as i have a couple of very high interest loans that i took out stupidly. My credit rating is "very poor" but i jave managed to convince my aunt to be a guarantor for a consolidation loan to help me rebuild my finances. Can anyone recommend a good company to go for that will…
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Mercedes HP Voluntary Termination Problem
Hi I have been in contact with Mercedes to voluntarily terminate my HP on a car. They have been fine and have sent me through a confirmation that I need to sign along with the details of any shortfall I have to pay under the Act (s.99 (1) of the Consumer Credit Act). So far so good. This seemed fine until I read the…
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Getting a personal loan with an overdraft?
Hi guys, First post here after years of lurking through the depths. I currently have just quit my job that was extremely low paid (£800p/m) and now have a new job much better paid. Because of the low paid job i often dipped into my overdraft, and now have an overdraft of £1000. New salary will be about £1250 after tax so…
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Loan Concerns
Hi all, I want to apply for my first loan but have a few concerns about my situation. A little background: I am 25, Work full time and have a salary of £23k. Checkmyfile.com gives me a credit rating of 763. I need a £10k loan as soon as possible, but I don't want to rush into anything that I'll regret later. I have been…
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secured loans with poor credit
Hi all, I am looking for any advice regarding securing a secured loan with a poor credit history. Approx 100k equity on my house, 10 yrs left on repayment mortgage. Looking for Approx £20k to consolidate and clear debts into one payment. Halifax current mortgage provider and not being helpful in terms of additional…
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Skoda VW New Car PCP Loan and death of owner
Hi, Sorry if this is in the wrong place, but I really need some help. My father in law has just died (his wife is the executor). He had bought a new skoda yeti on PCP and had it appprox. 6 months and made approx 6 payments (currently we have suspended payments, this may be a mistake). He paid 4.5K deposit on car value of…
