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Loan to daughter's compny
Hi there My daughter and son in law have recently set up a buy to let limited company. The company has had an offer on a property accepted. I propose to provide her with a loan for a large part of the deposit. She has been advised that providing such a loan to the company would be looked at unfavourably by a mortgage…
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Homebase credit
We are thinking about buying a kitchen from homebase and using their interest free offer (why wouldn't you). I just wonder if anyone knows what happens IF homebase goes into administration? Would the administrator be able to call in the debt (because of small print) or would they sell the debt to a purchaser who is…
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Advertised Loan Intrest rates on MoneySavingExpert
Why do loan companies advertise interest rate on their site but when you apply you get a higher interest rate than initially advertised? This makes shopping around extremely difficult. !!!128533;
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Contacting Debt Agency
Can anyone help - I've got an outstanding debt from Pounds to Pocket, and they've passed on my debt to Motormile Finance, but I've got no way of getting hold of them so I can pay the outstanding debt online or understand what I owe. Does anyone have any advice? And if so, is there anywhere I can work out my rights if they…
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Payday loans interest charges
hi all, i'm starting the process to see if i am entitled to any interest refund from Wonga, but i'm not entirely sure if i even have a case so was wondering if anyone had any advice? From 2012 i borrowed once or twice each month large amounts - although i did pay them back on time - within 3 days or so i was taking out…
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Fraud help - Ratesetter
Hi all I've been having continuing trouble with Ratesetter - in 2016 my (now ex) partner took out a loan in my name using my bank details and my address. I only found out when they sent out default letters to my home address 3 months after the account was opened. When I first contacted Ratesetter to report this they asked…
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Car on Finance is a Money Pit
Hi I purchased a used car one year ago. As my credit history is not great I had to do it through a lender who was slightly more expensive but I made sure it was within my budget, Since buying the car it has been nothing but a problem. In December the Turbo went and cost £600 to replace. In the last month I have had to…
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Loan advice needed
Hi, My husband and I recently took a £6000 Loan out to clear debts, holiday and needed to buy some bits for houses, actually rephrase that, wanted to! Regretting it now as the interest is so high. We are paying of £161 a month but the interest is anything from £70 to £105 that was the most recent one. Seems like we will…
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Credit card application
I applied for and was approved for a credit card. I'd like to know if this application will affect my application for a loan that I am planning on making next month?
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Rate setter loan eligble
Hi all. I've just done a soft search with Rate Setter and I seem to have been approved with an interest rate of 27.4%. I'd just like to know if anyone has been approved for their soft search and then rejected once they've applied? I have one default on my report that won't be removed for another 3 years and that's my…
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Likelihood of a loan
Good afternoon all! My very first post on this. Basically I'd like to know whether or not I will be eligible for a loan I require. It's for £8000. I have no CCJ's, insolvencies, or bankruptcy issues. However, I do have 1 default on a credit card account that is 3 years old. Made default in 2015, so that won't be cleared…
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Savings Plan
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Please advise
Hi, I am starting a new job on 3rd Sept. and am looking for appr. 3000 GBP to bridge the gap till my first pay-day. Have worked abroad for several years, came back April last year so no credit history; do not have any debts or utility bills/contracts (phone etc.) Please advise best way forward: short term loan/credit…
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Student Loan - Statement says I incorrectly paid £0 last year
Hi all, I got my annual Student Loan statement (for April 2017 - April 2018) in the post as usual, only this year it says £0 in the 'Total repayments received during statement period.' I know this is incorrect as I have payslips from last FY showing I paid around £600 total. So.. where has this money gone? Is it lost…
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Recommend companies for loans
Hello I am after some recommendations, I am looking to apply for a loan online, and there are so many different companies out there and when looking at reviews they seem to be mixed on all of them. Was looking at marks and spencer but they seem mixed. I am looking for a company which the interest is obviously low, and the…
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Help with car return (HP) through Arnold clark
Hi there, I’m concerned about my position regarding repairs to a second hand vehicle I purchased through Arnold Clark (£2k deposit, £4500 on HP finance). So I purchased a golf from stoke on Trent on 25 June 18. After a couple of weeks (11 July) the coolant warning sign came on. Concerned and within my 60 warranty period I…
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Could I get finance for a new hearing system if I've just been accepted for mortgage?
Hi guys not 100% sure if this is the right thread to post on but didn't know where to ask! So I've just been accepted for a mortgage with my partner and just waiting to get a move in date. We know that the house has old electric storage heaters and these need replaced (not immediately) but I'd like to do it sooner rather…
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Asking Banks about loans
Ill get straight to the point, I want a loan which ill use to buy a car, I could easily just buy the car outright but as im looking at building my credit rating (yes, i'm fully aware of credit cards, I have one already), my plan is to take out a £7500 loan (as the interest is at its lowest), pay 4-5k back straight away…
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How the flip are you meant to get a debt consolidation loan if your declined because your debt high!
It's so frustrating. I have £31,500 I would like to refinance as it's now on 25% interest rate (mostly credit cards). I was swapping it around, but can no longer do that. My credit score is 701 (poor), ONLY due to affordability. Never missed a payment. No late payments. No CCJs or otherwise. Not a homeowner either, which…
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Debt consolidation loan - advice needed
Hello, I was just wondering if I could get some advice here :j I have 4 credit cards with a total of around 10k on them. The rates are 19.9% on 3 of them and 20.9% on the last one. I decided to clear my balance as fast as I can, and I am considering a debt consolidation loan. I found one in Santander, they offered me 10k…
