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Loans

Archives for November 2017

Barclays partner loan declined
I applied for a loan for an electrical item today through a company using Barclays. They sent me a password etc for me to log in and check the loan progress. After completing the basic loan paperwork online I'm asked a series of 4 questions presumably to check my I'd. I complete these and a few hours later check in using…
Inform new address to cour..
Hi all I have just got a new address of Defendant after I sent application for a Third party debt order days ago. I need to inform court about defendant's new address . How can I do it ? Can I send by email or by post with a letter ? which is the best way to notify court ? . please advise
Payday Loan - Credio Advice
About 6 or 7 years ago I developed a severe Gambling addiction and had resorted to a lot of payday loans, glad to say that all is good now. I had made a few complaints to lenders about irresponsible lending as my credit file had 5 or 6 defaults at the time of applying for many of these loans, at that time though a credit…
Can I defer a student loan if I also have significant savings?
Evening all, I have Student loans from 96, 97, 98. I know you have to earn above a certain threshold before having to pay but what about savings? Is there a limit on the amount of savings you can own before having to pay?? Please note this is for loans from the late 90's, I believe more recent loans probably have different…
Credit broker refund?
Hi there.. so might be a bit long winded but just looking for a bit of advice (And apologies if this is in the wrong place, if so can someone direct me to the correct place to post) Back in April 2014 I for one reason or another needed to get a payday loan. I spent a day applying for one through various websites however in…
Loan advice!
Hi everyone, So I'm looking for some help with getting a loan... I'm 20 years old and looking for a £10k loan to purchase a new car and I want a budget of no more than £180 per month. I've applied for quite a few and been accepted but with a revised interest rate in which I then don't got through with it because it shoots…
Pre-paying loan payments for a year..
Hello I have a bank loan for a term of 6 years. I'm about to come into some money (not enough to pay it off, unfortunately!) - enough to cover one year's payments. I was wondering if if I could pre-pay the next 12 months loan payments, suspend loan Direct Debit payments for the next 12 months too, and then re-commence the…
Student loan repayments
Hi everyone, I graduated in summer 2017 and want to find out if household income or just my personal income will be taken into account when the UK government calculates my student loan repayments. If I get married, will my husband's salary affect my repayments? And what about other income (e.g. real estate, financial)?…
Car Finance
My brother-in-law took out a finance agreement for a car which he gifted to a friend. When he passed away the finance agreement still has a few months left outstanding. The finance agreement is in his name, he made all the payments up to his death, but I believe the registered keeper of the car is the friend. The friend…
Business loan to buy and run a B&B - no idea where to start
Hi there, I have had the initial kernal of an idea to try and buy and run a local B&B business which has come on the market. I work full time and have a good salary. My wife doesn't work so would run it all. It's already a successful business so it's really just a case of buying the property and taking it over, although we…
Preparing For Loan Application
I currently have a loan of ~£15,500 with Natwest, which I have had for a couple of years. This was for debt consolidation and university (MA) fees. Since taking this loan out my circumstances have changes significantly and I am starting to realize what a bad decision the loan was in the first place. Especially given that…
Long Term Loan?
I am going travelling in February and need an extra £1,000 to boost my savings. I was thinking about getting a loan but I won’t be able to repay anything until after 6 months when I come back to work. What is the best way to get the money and can repayments wait for six months? Thanks
My loan has been sold - where do I stand?
I had a loan about 15 years ago which I couldn't pay. They agreed for me to pay a monthly payment of £5 which I have been paying ever since. They contacted me a few years ago to see if my circumstances had changed but they hadn't so continued to pay the £5. I have now had a letter from a new company that has bought the…
Equity release
Hi, I'm considering equity release so I can give both my sons the deposit needed to get a mortgage. They each pay a ridiculous amount of rent per month so are unable to save for the deposit. Their mortgage repayments would be considerably less than their current rent, freeing up income for a better standard of living for…
Business Car Lease
Good Morning, I am looking at taking out a Business Car Lease through my Limited Company. As part of the process, they carry out a credit check against me as a Director. Later next year I will be applying for a mortgage. Does anyone know if the loan being taken out through my business for the car, be visible on my credit…
Car repo and debt advice
My partner has been having financial difficulties since July due to a mistake with her working tax credits. Just under 2 months ago she had her car repossessed, and isn't currently paying her debt, although she has had 2 letters saying that she hasn't been paying but hasn't received any demands from the company as yet. I…
Tesco loan acceptance - advice please
Hi there, We wish to take a 25k loan out with Tesco however we're not sure of the best way to go about it? We've had a couple of previous loans with them (smaller amounts) and all paid off with no problems. Hubby earns 40k , I'm self employed earning 10k and we are home owners. Would it be better doing the loan in joint…
When do I pay my credit card bsck
Mr Lender
Hi Guys, I posted a thread on another section, check it out if you want to know my background in more depth. Basically i am a compulsive gambler have got myself in about 20,000 worth of debt and am in process of sorting my problems out. I have been in contact with my pay day loan companies and all were very understanding.…
Unregulated Secured Loan
Been going around in circles for years trying to find an answer to this - wondered if anyone at all on here can help me? We have an old unregulated loan (originally Picture Finance) which was secured on our property. Like many back then (2007), we were extremely vulnerable financially and had no idea what 'unregulated'…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Loans

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