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Advice Please
Good Evening, Looking for a little bit of advice. I am absolutely fed up of being in debt and have had enough. Both my wife and I have decent jobs and we have a nice house and a good lifestyle, but some really poor mismanagement by us has led to our finances getting out of control. We currently owe Aprox - £5k unsecured…
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Welcome Finance Secured Loan
I took out a Welcome Finance secured loan many years ago. The reason I took it out was because I needed money to stay in my home and had been missold another loan by my bank who promised to offer me a remortage deal and then didn't... it was my only choice and a bad one. Anyhow, my question is this. Has anyone been…
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Ppi
How can I tell if I have had PPI, because my Credit report is missing two addresses that I have lived at, also I have no paperwork
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Blackhorse loan
First time on here so here goes I took out a loan in 2007 and did default, contacted black horse who was happy to help until I had a letter from a debt company, to try and keep this short the original loan was for 3000, I continued to pay collection agencies without defaults but they kept getting sold on and the balance…
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Withdrawing from a loan offer
I have been accepted for a loan but do not wish to proceed with this lender. How will my credit file be affected if I don't proceed?
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Remortgage with Dad over 80 years
Hi, I have a house in London that is 50% owned by me and 50% owned by my dad. We need to get a remortgage on this property. My mortgage broker said it is possible, but my dad's name has to come off the property. Its a situation I really need to avoid as that involves CGT. He said it needs to come off as my dad's over 80,…
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Is there any way in which this adds up?
Hi just looking on some advice on a possible car finance I was thinking about taking out So I went to look at a new car today and the salesman told me he could do a soft credit check and work out a car finance plan for me. The car is £7950 £0 deposit Term 52 months Monthly repayment £199.19 And I was told the interest was…
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Bad choice? still in cooling off period
Hi All Until 6 months ago things had been tough, and i built up about 10.5k debt against an income of 28k (i never missed any payments though). My situation improved 6 months ago though and i paid off 3k of debt in 6 months...leaving 7.5k of debt (all on credit cards at fairly high interest) I went into my bank on an…
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Second charge loan
I need to get a second charge loan to buy a garage at 30k. Can anybody recommend any lenders? I have two brokers looking.
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CU Loans legitimate?
Afternoon all, I applied for a small loan just to get a new york holiday a bit advance price discount. After going through the eligibility calculator, MSE offered a company called CU Loans. After going through some due diligence it seemed fine to continue even with a lack of good or bad reviews, maybe a new company for…
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Business Loans and Debt?
Hello, There is an option to purchase a taxi in my area for £25k, which is the going rate, but the seller is looking for a quick sale due to poor health. At the minute I owe £5k (It was 10.5k) to link finance and £1.2k (it was £3.5k) to moorcroft debt recovery. It was debt created when my family circumstances changed a few…
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Hoist Finance UK Holdings 2 Limited
Hi, not sure if this is the right place to post, sorry if it's not. I got a letter from a company called Hoist Finance UK Holdings 2 Limited. They appear to be a debt collection agency, and have an outstanding balance of £577.53 to my name. I thought I was financially in pretty good order, so I called them to find out what…
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Tax credits considered income?
Are tax credits (working and/or child) considered income for the purposes of a personal loan application? Apologies if this has been answered before. I have done a search and checked the sticky but can't seem to find anything relevant. If there is a relevant thread please post the link for me! Thanks.
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Just completed on a new Mortgage, but now need a loan!
Hi,Bit of waffle first, sorry lol Just sold our house and bought a bigger property to move up the ladder. The new house needs ALOT of work, so we kept back £20K of the £110K equity from our old house and put the rest into the new mortgage. In reality, we should have kept back more, but wanted to get as small a mortgage as…
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Can I make my self-build dream a reality?
Hi, First post here although long-term fan of this excellent site! I've posted this question in the 'Loans' section as opposed to the 'Housing' as I'm not sure a self-build mortgage is the only (or best) way to proceed here. My dillemma: I have dreamed for a long time of building my own holiday home that I can use myself…
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Paying Loan off with Credit Card
Hi guys, A little new to this so please bare with me. I've recently bought a car (initially on finance) but then paid it off in full immediately with a bank loan (lower APR) which has saved some money from the initial finance cost. I have roughly 17k on the loan over a 6year period, although intend to have this paid off…
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Car finance - insurance
Is there an insurance scheme out there that protects/covers you if you fall into hardship and can no longer make monthly payments to the finance?
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Consolidation challenge - help required
Consolidation challenge - help required
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M&S Loan - no instant decision - should I try elsewhere
Put a deposit on a car last yesterday and applied for an M&S loan online last night expecting an instant decision but at end of process I got a message saying 3-5 days to process. I've just called and they said it will have been referred to an underwriters and that is actually them taking around a week to process…
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Loan or use savings
I'm looking at getting a personal loan to finance a car, I had thought of going with PCP.. but seems it's a silly option as advised on here. I've now looked into a personal loan and have been offered £14k at 3.5% from my bank over 3 years, which is a lot cheaper than PCP and HP (I now see the benefits now of not going…