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Pension loan
I am considering taking out a pension loan do you think they are a good idea ?
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Bank has sold my loan
Hi All, I had a loan with Moneyway (part of Secure Trust Bank) I say had because back in May 2018 they sold my loan to Alpha Credit Solutions & Sarl, now I don't have problem with this and I'm repaying the loan with no missed payments, however I noticed on my credit file on clearscore that the loan still shows there as a…
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Useful advice for anyone using their own bank
Just a quick note to say I've just been quoted 10.9% for a 10k personal loan with my own bank under the following circumstances. * Had a loan last year, paid it off early from my bank, had 3.3apr headline rate. * Brilliant credit history never missed payment everything is stable and been on electrol role for years *…
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Creation loan dishonesty
Had a loan with Creation.co.uk for solar panels at my last statement period I owed £6064.30 but the balance outstanding was £5985.70 so I asked for an early settlement figure this was £6075.10 , a confirmation letter was sent to me stating "that you decide to settle early you would be entitled to a rebate of £89.40 which…
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Help needed
My and my wife moved house nearly two years ago old style dorma bungalow. At the time money was seemingly good and stupidly we have taken out two loans to do work to the house. My car broke down and ended up purchasing a nearly new car. To cut a long story short we are paying out nearly £850 a month in debts and it is…
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M&S Bank - poor service
I applied for a loan online with M&S bank last Friday morning and received an auto reply. On Monday I had an email from their underwriters asking for the last 3 months bank statements which I sent by return as attachments (PDF). On Wednesday I phoned to see how my application was going and was told they had scanned the…
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Looking to buy a renovation - need a home improvement loan
Hi all, I've joined with the hope of gaining some advice. I have just sold my property and have seen another house I would like to purchase. The purchase price is £165k, however the property requires heavily renovating. I have £40k equity from my previous home and I estimate I would require <£60k total to make the…
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Claim back loan
Greetings everyone, I am in dire need of advice. Here is my story: Last October (2017) a colleague of mine, let’s name them “Charlie”, asked me for a 3000£ loan and promised to repay in 6 months, adding 50£/month in interest. As of June 2018, having received less than half of what I was owed (1250£ out of 3000£) I filed a…
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Logbook loan nightmare
I am hoping someone can help me. I purchased a used car for £3500 just over a year ago. 3 months ago, out of the blue, a ballif came to my door to repossess the car. I couldn’t believe what was happening. The ballif turned out to be very nice and told me he would tell the company he works for he couldn’t find the car, that…
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Secured loan, made to borrow more?
Hi, I have just settled in full a secured that dates from October 2014. Looking back at my original paperwork, I had requested £15K over 10 years for which I was given a repayment figure and interest rate. At the very last minute when the loan was due to commence I was told I now needed to settle two old credit card debts…
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Loan still with the underwriter
What does it mean when the loan is still with the underwriter? Is it a bad thing ? Today is the 5th working day with no decision made as of yet they said I should know by Monday, I’m guessing there is a high chance I might not get it, it was a personal loan for a new Car. Thanks
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Personal loan for business
Hi, Maybe someone knows where I could get personal loan for business purpose? I only need 8k so its not worth the hassle writing a business plan. I know there are some lenders who lends personal loans for business, could you help me to find it?
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Sainsburys Bank loan Adjusting Payment date
Morning all, Just random question! I've just had my payday changed from the 29th to 26th of every month the payment was coming out on the 1st of the month. now i just called them about this and they wouldn't allow me to adjust the payment date from the 1st September to 26th August as i have already made a payment that…
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Product finance vs credit card
Hi all, I have spent the best part of an hour searching the forum for threads relating to this comparison but I cannot find anything. If someone is aware of a similar thread I'd be grateful for the link. I'll soon be moving into my first house and inevitably I have a lot of items to purchase in order to furnish it. I've…
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Sainsburys Bank loan rate dishonesty
Hi, I was going to take out a loan with Sainsbury's Bank recently after moneysavingexpert returned a 2.7% rate. My credit score is good, so I applied and was approved, 'subject to a few further checks' and had to wait for the paperwork to sign. Several days later it arrived, but now the loan rate had magically become 4%??…
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A tricky decision, or is it?
Hi. So I have a loan with No1 Copperpot with £15,152 outstanding over 59 months left to pay - never ending. The interest is set at 6.9% and is repaid at £302 PCM. I'm now looking to pay off that loan using another company (Tesco @ 3% is tempting) with the same monthly payment costs plus additional payments of £400 PCM (so…
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AA loans progress advice please
Hello everyone, Just a quick question about an aa loan application I applied online on Thursday morning and said I was accepted and after final checks money would be in my account t within 2 working days, they set up a direct debit on saarurday it is now the following Wednesday and still no money in my account I have tried…
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INTEREST FREE - Is it mis-selling?
INTEREST FREE – Is it mis-selling? There are an increasing number of interest free offers, from sheds, to cars, to bikes, to sofas, to almost anything. There cannot be interest free, borrowing money cannot and never has been free. Surely it can be argued that interest free is a totally false claim, certainly to those who…
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Student Loan Company : phone number to a person?
Does anyone have phone number to SLC that will get you to a person? My wife is trying to access her account after many years, the phone system is automated and asks for a 11 digit customer reference number, the only one she has is 13 digits (an old letter from her student days 2005) and the system says it doesn't recognise…
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Best place for £30K loan?
Where is best place for a £30000 bank loan other than re-mortgage? Reason being that’s how much the mortgage owes me but the wife refuses to sell the house now we are getting separated so she needs to pay me my share so I can move out.
