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How to repay a Personal Loan
Three years ago I got a personal loan for £10k for 60months. The outstanding loan amount is now £4700ish. I am in the situation where I can now pay this off completely. Would I be better paying it off completely, saving the interest of the next two years but paying the early settlement fee of two months interest OR doing a…
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Sofa purchased during house move
Hi folks I have finally purchased a house and have now moved in to my new address. My wife and I put down a deposit on a new sofa from harveys and were going to fund it by monthly installments. The issue I have now is that I didn't realise it took so long for credit rating agencies to move my address on file. I am moving…
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Loan Acknowledgement issue
Hi Newbie, so be nice. I claimed back ppi via a so called specialist company on a loan I had from 2003 which was settled. I had forgotten it was settled by having another loan from the same lender to pay that original one off. The second loan was never settled due to certain reasons & I was never chased for it from the…
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Taking a loan immediately after mortgage completion
Hello, I want to buy house with a mortgage of £190k which is the max loan I can take from a lender. However, this mortgage together with my saving are just enough to cover the costs of purchasing the house, solicitor’s fee, moving home… I still need extra cash (around £4500) to cover the Stamp Duty Fee. I had a look at…
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Secured Debt Consolidation?
Hi Sorry only my second post on her. Basically my wife and i have around £38K of debt. At present we are paying out nearly £950 a month on these I pay all our bills etc as my wife is a carer and get around £550 per month, I earn around £43.5K per annum. Because of the level of debt we have my credit rating is now poor…
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Car Loan Urgent Query
I have a question regarding the car finance that I took out. The finance was taken out in my then father in law's name and now things have gone sour between me and his daughter. I still have 2 years left to pay on the finance, yet at the moment I am not able to take out any other form of a loan to pay the remaining balance…
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Paid in USD and need GBP Loan?
Hi, I am UK Seafarer that gets paid in USD and due to UK Seafarers Earning Deductions I do not pay Tax. I have been looking into getting a loan for some home renovations and all was going through fine untill the paperwork was submitted, at which point they pulled out due to my wage slips not showing any Tax and that I'm…
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HSBC HFC Restons refund
Hi Just wondered if anyone had received a letter from HSBC, with regards to a refund on an old HFC bank loan. The loan was passed to a debt collection company Restons.
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Every Day Loans
Hi, I recently took out a £1600 loan with Everyday Loans. My intention is to pay the balance early - next few months as in the agreement any additional payments come straight off the balance ( not interest - confirmed in conversation with advisor yesterday ), so two payments of £600 should pretty much clear the balance.…
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Career development loan v personal loan v credit card(?)
Hi Apologies if this is in the wrong place as I'm new to the forum. I need to come up with £5,000 to do a one-week training course in September. But, as I am buying a house in January, I also need to keep my deposit healthy until that time. So borrowing is my best option. I would like to start paying the borrowed money…
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Loan advice - I wont go for a naff deal
Hello I am looking into getting a loan at the moment to pay off 2 debts and to have a little spare for a car. I am only looking at about £4000 max The loan offers on the site said to go for Zopa and it said about 3% APR but after a proper check on Zopa they will offer me 18% There is no chance I will go for a naff deal…
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should i make multiple loan applications
Hi I have done usual comparison website searches and checked my eligibility. I applied for Sainsburys loan as this had best advertised APR and I was very likely to be approved. Sainsburys have approved in principle, pending further searches but not offering advertised rate.They guarantee to beat any other offer but should…
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Loan APR
Hello, I`d like to apply for a loan about £20-25000. Currently I`m using: - my bank account overdraft, balance: £1100 out of £2250 - 3 credit cards, balances: £1800 out of £2200, £2600 out of £3700 and £5800 out of £7200 I`ve checked my credit report and it shows that my credit score is 774. Also it says that "my depth…
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Will I get approved??
Hi, I'm a student going into my last year. I have applied again to extend my student loan to cover accommodation costs etc. The difference this time is that I have an overdraft and am overdrawn by €500. The loan repayments come out of my mothers account and my grandmother is my guarantor. However, will me being overdrawn…
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Help with some charges...
Going back a few years I had a car loan and failed to keep up with the repayments, since then I have been paying the loan back but that have been some bizarre charges added.. Can anyone tell me if these are legit or I should be taking these further. I have queried in the first instance. 2 x £300.00 Charges for Recovery of…
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Loan overpayments
Hi I have a loan with Santander, and my online banking shows that a sort-code and account number is assigned to it. If I want to make over payments can I just do an online bank transfer using this account number and sort code like if I was paying a friend for something?
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Looking for a loan with a fixed holiday period
Hi guys. Is anyone aware of specific loans, banks or products that offer a loan with an 18 month/2 year holiday period, or perhaps a bank that's open to doing so? Im looking to embark on commercial pilot training. I've managed to source the bulk of the tuition fees (by some miracle) from the family, but need about £6000 to…
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Applying for a loan as 'divorced'
Hi I am about to submit an application for car finance and my credit score is high and above average so no issues there My question is however related to my marital status- I have been divorced for over 2 years now however no joint finance with ex and everything settled and agreed If I now apply as a divorced person could…
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Help in getting a good deal on Loan
We needed to buy a new car as our old one was a MOT failure. We got a loan from Halifax for £4,000 to pay over 5 years at £82 a month with 8.9%. The amount that is coming off a month is very low. We would like to know if we can get a loan from another provider and pay more each month but unsure of how much payment will be…
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Nationwide loans been accepted
Hello I have been accepted for a loan and had a reply Saying We're pleased to let you know we've received your application and we just need some extra information from you. Does anyone know what this could be? Thank you .
