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Opinions Needed Regarding £15k Loan
Hi All, Currently in employment and have been with the same employer for over 17 years. Bought a house over 3 years ago which needs a lot of work doing to it. Currently have £15.7k personal unsecured debt. My question: I need to borrow circa £15k to finish off doing up my house. Given Brexit happening next year and my…
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Advice please!!!
Hi all, sorry if i am posting in the wrong thread, i am new to this, anyway I am looking at getting a car i currently have an old banger which is on its way out i pay £130 a month for it, I can not afford to buy a car out right as i don't have that kind of money, my credit score rating is poor as i have not used it that…
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Toyota PCP VT query
Dear All, Last September I took out a PCP with Toyota with the following details: Deposit £5000 Monthly payments for 3 years of £276 GFV: £7500 Unfortunately 18 months ago my daughter died and due to my grief (not dealing with it) I started spending more and more on things I didn't need or want so am now in a position…
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Loan for Home Improvements
Hi there, we are looking to do some home improvements and are looking to spend about £15k. I have just had a look at the loans recommended on the MSE site and see that M&S and Sainsburys have good rates for what we are looking for. I have also just gone through to the Santander website to see how much it would cost as…
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Second Application for Better Rate
Hi folks, I've always been relatively financially cautious. But now that we own our home, and things are ticking over nicely, I want to buy a decent car. I've not had a loan before but feel happy to take one for this purpose knowing I don't have the need of a mortgage down the line hanging over me anymore. So I looked…
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Satsuma loan early settlement help
Hi guys can anybody help me out with calculations on an early repayment on a loan I have taken out with satsuma, appreciate you may tell me to speak with them, but I’m hoping someone can help, so here goes I took out a loan for £100 a while back, it was £16.60 per month for 12 months so £199.20 in total - how they…
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PCP or other option?
Hi, I know there's tons of these questions but just wanted to put my scenario here to see what people thought. I've been looking at used cars buying with cash, I've only ever bought cars cash and have no knowledge of financing that exists for cars (I'd never heard of PCP until today) A dealer I test drove a used car with…
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Indicative and Actual APR
A first time poster here, so please bare with me. I was looking for a loan to do some home improvements, did my research on the best rates (using this site and two others) and decided to go for M&S Finance who were offering 2.9% APR. I was directed to their site, did the initial “how much do you want and for how long”…
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Cancelling HP Finance Before Collecting the Car
Hey all, totally new to this and really need some help. My dad, foolishly, signed an agreement in principle with Vauxhall a few days ago for a used car. As part of the agreement they performed searches and offered him HP finance @ 15.9%! Now the car he wants is fine, but i don't really want him taking HP when he can get a…
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Sunny Default Loan now Settled, what should the status be?
Hi All, I, stupidly, fell in to the pay day loan trap and bounced around from company to company, many years ago. I am finally straight and in the process of rebuilding credit but i have noticed on my Equifax file that the 3 accounts with Sunny are still showing as default. They were fully paid off about 4-6 months agos. I…
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LogBook Loan dilema
I borrowed £2,500 from Log Book loans. I have made 4 payments of £310 per month and have 14 more payments to make (250% interest). I can settle the loan early. At the minute it is £3,100 to settle. I do not have the money at the moment but I am saving up and I am able to keep up with the payments as well. The problem is…
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GE Money Lending
Good evening, just after a bit of advice really. My parents took out a loan with GE money lending. (Now taken over by shawbrook). They got a loan of 25k over 25 years, they are now 12 years into the loan and have paid 57k. Interest to date is 49k which means tjey Have only cleared 7k off of the loan! Now the latest…
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Thoughts on PCP
Just after peoples thoughts on pcp deals for car finace a good way of buying a new car or a road to a debt trap ?
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Thoughts on PCP
Just wondering what everyones thoughts are on PCP car finace as seems so popular lately is it worth doing or should it be avoided at all costs?:money:
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Financial troc uk
Hi guys I took a loan out with financial troc UK.... Does anybody know of them /now or if they have changed names... As I cannot find anything on them..... Just wanna reclaim my ppi... Back from them robbers.... X
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Rights and Options as Guarantor
Hi guys, I am guarantor of someone who I am not having good agreements lately. Plus he have been very late in his repayments and few months ago they attempt to collect money from my account. I feel that I dont want to be involve in this anymore. I wonder if I close my bank account (which is default in the loan) and just…
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Car finance ... Mislead into accommodation deal?
We've needed a new car for ages and sadly due to my ex running up my CC's before doing a runner I have bad credit. We decided to look for a car on finance that my partner would pay for so went to one of those well known used car dealership chains. We both said multiple times that the car would be mine but my partner would…
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Car lease return
Hi can anybody advise me, my brother separated from his wife in January , prior to this he took a car lease out For her in his name and the car is due to be returned in Friday or he will be charged 5k and thereafter £200 a year. His ex is playing dirty and is refusing to return the car saying she needs it. She is likely to…
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Lent money to a friend, how to get it back
As the title says I lent money to a friend back in march. This was a loan for £1,200. It was supposed to be for one week only, to help out a friend who claimed to be stuck abroad. I have repeatedly asked for the money back . So far I have got £200 back, back in april and nothing but excuses since. How do I go about getting…
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Human Lenders?
Hi All, Is there a lender out there who actually takes the time to engage with you and discuss your financial history, circumstances past and present with you as part of the loan process? If there isn't then surely there must be a case for one! Rgds., CG
