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Will having a loan affect us being able to move house?
Hi new here so sorry if this has been posted before. Basically I want to take out a loan of £5000 over 3 years which I have worked out I can afford the repayments comfortably. However we are looking to move house next year and was wondering whether this loan would affect our ability to? Thanks in advance
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Is there such a thing as a peer-to-peer bond type lending website?I'm the sole carer for my chronica
Hi everyone, I'm the sole carer for my chronically ill and elderly mum and also a full-time police officer. I have no other family apart from her. Due to mum's condition, and due to the fact that I'm exhausted performing both roles, I think the only option is for me is to go part-time as she really won't accept help from…
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Amigo Loans - Can anyone please help?
Hi all, I'm new to the forum and seeking advice. I'll try and keep it brief... A very good friend of mine has acted as guarantor for someone on Amigo Loans, the person has defaulted on payments and the total owed is nearly 5k. The issue is, when my friend was persuaded to do this he was in the depths of a serious drug…
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Can my parents take out a loan for me?
Hi Everyone, Can my Dad take out a loan and give me the money? A little background - I am about to get married (Less than 6 months away), and my Fiancee and I have paid deposits for our wedding and honeymoon. Prior to this we were carrying a manageable level of debt, but recently my partner has had to leave her job through…
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Student Loan Payment - Zero Hour Contract
Can't seem to find this answer anywhere? How do student loan payments work on weekly paid zero hour contracts. OH is an agency teacher and normally only does a few hours a week so pays no tax etc as well under 11K a year. Recently they have been covering for a sick lecturer and done a couple of full weeks. This week…
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Do these bridging loan rates seem excessive?
This was sent to me from a local broker who told me he does over 400 buy to let mortgages per year therefore I regard him as "experienced and knowledgeable in this area" I also understand that bridging is essentially the same thing as a short term mortgage This was presented to me as the "best option" and virtually only…
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Help with a loan taken out in 1995
I hope someone can help. My mum took out a loan in 1995 with b n q for a new kitchen, and somehow she is still paying for it now !! The original loan was for £3447.50 and the balance as of yesterday is £2580.42 !!! There was a period of 2 years which the loan wasn't paid and the debt rose to over 28 thousand, she is now…
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Student loan repayment when self employed.
Hello, I am just looking for a little confirmation on my student loan repayments. I left university in 2010. I am now self employed since June 2018, having been in full time employment since August 2013. Previous to that, I worked abroad. I have a Plan 1 student loan and I believe that after my self assessment is complete…
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Loan usage different to application
Hi. Just got a loan for home improvements, the money arrived in my account but the work that we got the loan for is on hold so we used the money to pay off credit cards. Once you have the money are you free to use it any way you wish or there any possibility that you’ll get called up on the fact that on your application…
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Barclays Partner Finance
Hello All, I urgently need your advice please!!! Around March 2017 my partner took a car on finance from Barclays Partner Finance and was never defaulted on the regular payment. About 2 months ago a friend who has been owing her some money called and offered to pay but said she’s not got cash with her but only a credit…
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Sensitive issue - Amigo Loans
Hello forum members. I’ve not been on here is years but came back to see if I can get any advise. I own a property outright with my sister but don’t live there. I’ve come back to visit to find the house a complete pigsty with her mail going unopened. Sadly, I’ve found out she has stood guarantor for a £10k loan for a…
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Payday Loan Companies/Arresting Earnings
Hi, Can Payday/short term loan companies arrest earnings via a court? I thought I waqs finally debt free but an old loan has resurface with the collection agency (Same company as the loan provider under a different name) advise they have approached the court about an attachment to earnings. Wondering wether to ignore it or…
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Loan APR
Can anyone help? I've recently applied for a personal loan to buy a used car, I applied through Santander as I have my mortgage and business bank account with them and they were offering a 3% APR which was far better than any car finance deal I would be able to get. I got accepted today but it's come in at 11.9% APR which…
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Best place for secured loans?
HI Im after a secured loan, as I need a very low rate and £21k over 10 years Where's best to find one? So far 3.69 is the best I can find at .knowyourmoney I dont want to do too many 'soft searches' - they apparently dont affect my file but i see them on my file so it must do. Thanks
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Building Loans
I’m looking to get a loft extension and pay for this building work out of the equity currently in our property. Does anyone have any advice on where/how to start? Is this even possible? Would it cost us more taking equity out or getting a loan for the building work? We need to remortgage in June so was thinking to enquire…
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Overpayment - worse or better off?
Hi there I took out a Natwest loan for £10,850.00 (APR 3.9%) with interest of £1,090.00 this took the total payable to £11,940.00. The payback agreement is for 60 payments starting in August 2016 each of £199.00. The amount owed now stands at £6,407.81. I would like to chip away at this loan in order to get it paid off…
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Identity Theft Help
Hello I am looking for advice as I am at my wits end I have been planning on getting a mortgage for a while, in August I obtained a copy of my credit report and found 55 payday loans that I never took out (all of which are settled, no money is outstanding) even though I have only ever had a phone contract and a current…
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Should I get a loan to fix my issue
So long story short I am a: -University Graduate -New job (first month in position at 1500 a month until April which will then go to 1300, this is something to do with the tax year? But I am on 18k a year) -Spent 2 last summers working at a summer camp in NY which was a big reason of the debt -Used to have terrible money…
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Taken to court for student loans while on ESA
Dear all, Would really like some help please! I did my uni course during the 90s, but due to mental health and other health problems I have been unable to work, so now on ESA. I got a letter from some co. from northants business centre saying I need to pay back £11k, which I just don't have as all my income is from…
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Loan from a friend... contract question
Hiya I'm having to buy a car (change of job, losing company car) on relatively short notice and need a car for the new job. I was offered a finance deal at a pretty hefty APR (49%) so a friend has very kindly offered to fund the money for a used car for me. I know there are a million horror stories about lending money…
