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PCP or HP approval
I'm probably going to be in a position to make the balloon payment early on my car in the next couple of months, and will be trading it in for a different car. I'll be looking to finance the new (used) car, I understand the difference between PCP and HP will be higher monthly payments and the car would be mine at the end…
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Marker code?
Hi can anyone give any advice? Trying to remortgage with NatWest app has been processed but have E1 marker on it? App it's debt code but it's dating back to 1998 when I was 20!! I bank with RBS and both banks are now connected. Tried to call them but failed security as it's still at the add that I lived in 21 years ago!!…
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What is the interest rate for a Masters degree loan?
Hello! What is the interest rate for a Masters degree loan? e.g. from https://www.gov.uk/career-development-loans/overview ? Or is there anything cheaper? Thanks!
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What counts as income when applying for a loan
Hi, hope someone can help. Does anyone know what counts as income when you apply for a loan?
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Study reveals slick tricks payday loan websites use to entice borrowers - MSE News
Payday loan and other high cost credit firms use brightly coloured buttons, simple forms and images of happy people on their websites and apps to stop would-be borrowers dropping out of the application process, new academic research reveals...Read the full story: 'Study reveals slick tricks payday loan websites use to…
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Refused loan but don't know why
Hi Me and my partner bought a house in January which we are renovating. We took out a small loan to help with the cost but have now have realised we need more money. We went to the bank and applied to top up our loan but it's been turned down. They have said it's not due to affordability, or due to credit rating, it's…
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Loan overpayment
Hi, I have stupidly taken out at high interest loan with a hefty repayment penalty - it got me out of a jam but I'm now looking to put things right. Am I right in thinking that if I make an overpayment - but not for the full amount then this has to be applied to debt rather than incurring additional interest penalties?…
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Payday loan complaints/reclaim
Hello, Looking for advice from previous experiences regarding reclaiming against Payday lenders. The basics; I first took out a payday loan as a quick fix to a short cash problem on an upcoming car finance payment, this spiralled out of control over a couple of years. In 2017 total cash in and out of my bank account was…
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Is this Barclayloan Enforceable?
Is my debt to Barclays irredeemably unenforceable? I have a reconstructed credit agreement, received from Barclays. It relates to a loan I took out in 2003. It Defaulted 2006, and I have been repaying Barclays on an AP ever since. It was never re-assigned or sold on. It contains prescribed terms, states the amount credit;…
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Secondary mortgage advice
I’m looking to borrow £50k as a secondary mortgage but the broker fees are very high, £3-4K that’s on top of the normal setup fees (upto £1k) I understand that I’ll pay the setup fees but the broker fees are a joke, it puts the loan up to £55k Anyone know of any sites that don’t use brokers?
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Consolidating
:( :(:(:(:(:(:(:(:(:(:(:(:(:(:(:(:(:(:( Background: 4 years ago i took out a loan for a car over 5 years. 2 years in i got another loan and consolidated it to purchase another new car! STUPID I KNOW Im now 2 years in to the NEW 5 YEAR LOAN and ive hit the point where i want to start saving for a mortage etc but i have no…
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Applied for a loan but the account is a joint account
Hello I have applied for a loan and was surprised that i got declined. I was wondering if it might be because on the page that asks for your direct debit information, sort code, bank account number and name of account holder, I was unable to put both names, it wouldn't accept it. I am applying for a personal loan in my…
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Advice needed please in regards household income/outgoings
Hi, my longterm partner who I live with is going to apply for a loan from the credit union. My credit is bad unfortunatley so she will applying for the loan in her name solely. She needs to state her income and outgoings but im a bit confused over what she is supposed to put down. I am the higher earner and pay a larger…
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Help with old loan please
Hi All Ok so I have an issue with a loan my brother took out maybe 8 years more-or-less ago. I don't know the exact date or even the year.. Anyways he took a loan out for £10,000 and another for £2,000. When we asked him why or what he did with the money he was reluctant to answer and just kept saying he didn't know. He…
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Voluntary Termination PCP - BMW MINI
Hi New to the site and I have searched through quite a few of the posts already regards to voluntary terminations however non have the answer I’m looking for. I have voluntary terminated my Mini which is with BMW finance, I have paid over the 50% amount and mileage is well under what is stipulated in the agreement, car is…
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Price cap for rent-to-own sector - MSE News
Vulnerable customers who use rent-to-own firms will not pay more in interest than the cost of the original item from April, as part of new rules announced by the financial regulator today...Read the full story: 'Price cap for rent-to-own sector' Click reply below to discuss. If you haven’t already, join the forum to reply.
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Random calls from "BlueMoney" About a loan I never applied for
So this is a weird one. A couple of years ago I had a dodgy time, my relationship imploded, I lost a job on two week's notice (I was paid weekly) and having (at the time) undiagnosed mental disorders I went off the deepend (like held in a hospital, escorted by G4S if I wanted a smoke so I didn't run off, if I did the Fuzz…
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Hand car back due to ill health
My dad recently suffered a stroke and will be unable to drive for the foreseeable future. He will also not be able to work and therefore cannot afford to make the monthly payments for the car. He currently has a car on PCP, however now that he is unable to drive I was wondering if there in any way in which he can hand the…
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Car loan guarantee rate
I'm looking for a car loan but never get offered the representative APR. I wondered if any lenders offered a guaranteed rate if accepted (with or without a soft-check first). I'd rather not apply for all of the low-rate lenders and end up with a load of credit checks against me. Thanks.
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Motorists overcharged by £1,000+ for car finance loans - MSE News
