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Credit application impact
Hi, I recently applied for a HSBC credit card with 0% interest on balance transfers for 32 months after seeing it on TV by Martin only to be told I couldn't as I am a HSBC gold card holder. I was advised that they are offering debt consolidation loans at 3.3%. After going through the process we were told that the interest…
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Loan before or after remortgage?
We need to do some home improvements and want to fund part of this via remortgaging. We will also each need a £10k(ish) personal loan or a joint on. Is something like this usually possible to do around the same time if affordability etc is ok? Also, which would we want to do first. Thanks
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National insurance number requested from some banks but not others
Does anybody know the reasons why some banks ask for national insurance numbers from potential clients when applying for a loan and other's don't? As far as I know the government "do not" say that the national insurance number can be used to validate identity. I also know for example that other banks such as Aldamore Bank…
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Self Employed Loans
Hi. I'm a freelance designer. I run a limited company - VAT registered with a business bank account etc. I work full time myself and subcontract out to other freelancers also. My company turns over a decent amount of money and my income (gross) is around £100k-£120k. The company has been running nearly 4 years now. I…
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lloyds loan
I currently have a loan through Lloyds who i bank with for £22k, which i took out nearly 2 years ago now at 11.9%, currently owe £17900. I thought of refinancing the loan through lloyds again to try and get a lower rate and pay off over a shorter period, applied online and was declined, even though the quoted payment was…
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Home Improvements Loan or Mortgage?
I know there are a number of ways to fund home improvements by borrowing extra money, either by increasing your mortgage or by taking out a personal loan but which works out as the best / cheapest? We have a lot of equity in the property so no risk of repossession etc and we can afford increased monthly payments but we…
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Sell house and pay off secured loan
Hi all :-) I am struggling with a decision, I was very ill last year and took out a secured loan, it wasn’t ideal but it was the only option I had, with a very bad credit rating. I have tried to get back on my feet after being ill and I quickly fell into arrears with everything. I am self Employed and money can be…
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Returning PCP Car
Hi Guys, I hope someone can help me! I took out a PCP deal with Skoda back in March for a brand new Skoda Fabia, in August, in August, I found that the car was wet inside under the drivers mat. Skoda quickly picked up my car to return it the next day saying that there was no fault and the water must have been coming off of…
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Purpose of loan
Hi all, Just a quick question. I'd like to apply for a loan to do up my kitchen (requires knocking down a couple of walls and replacing kitchen) and also consolidate my two credit cards. However I'm unsure whether when applying for the loan under 'purpose of loan' should I say its to: Consilate Debts or Home improvements…
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Using home equity to pay off loans before re-mortgaging?
What are peoples opinions on paying off a 10k 500/month repayment loan (saving 230 for paying early) with equity from a house sale in order to have a better chance of re-applying for a larger mortgage amount (affordability being increased as I'm not paying the 500/month) lets assume it didn't affect the deposit amount in…
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Lisk finance
Good morning lisk finance are they a scam. I want to consolidate two loans by taking one loan out but I have a low credit history thank you
