-
Getting a Loan with no Visa
Hello folks :) , In order to consolidate some debts and pay for education, my wife would need to get a loan. She is a Mexican national currently allowed to be in the country till Feb 2021 holding an EEA-national family dependent visa. She is currently working, making good money and with a decent credit score; the issue we…
-
Postgraduate loan repayments
Hi everyone This month I was supposed to start paying my student loan but I haven’t. My basic salary is £22,052.04 and this month my gross salary is £2279.98(it’s above £1.750), however I didn’t have any deductions, should I contact my payslip department or the slc? Thanks.
-
pay day loans
Hi can you pay off pay day loans (quickquid) with a credit card please? Asking for family member.#Thanks
-
Were payday loans responsible for checking my income?
I'm in the process of claiming compensation for the payday loans i took out between 2010-2013. Were the payday loans negligent for not checking my income/employment before offering credit? Do they have a duty of care or anything to check I earned what I said I earned? Would that be a clear cut case for affordability? Is…
-
Personal Loans used for business info needed please.
Can someone send me the laws in relation to using person loans for business purposes please?
-
Career development loan not on credit file info needed?
I was speaking to the woman in the Co-operative bank and she said its illegal for government backed loans (which career development loans are) to appear on your credit file. Can anyone send me links to the relevant laws about Government Backed loans appearing on credit files please?
-
16.9 apr loan?
Hi, it's me again (posted few days back) After applying for a loan from Halifax, I've just realized the APR is 16.9 over 48 months. That means comparing to a good loan rate, I'd probably pay £1000 extra in interest over 4 years. I have a decent credit rating and been a customer with Halifax for years. I don't know why and…
-
Student loan interest payments from PAYE
Dear All, I know MSE has recently taken an interest in student loans and I have just received my annual statement which would appear to confirm that monthly amounts of interest have been deducted via PAYE. However, the amounts I have paid monthly are not reconciled with the Student Loans Company (SLC) until the end of the…
-
Car Finance - HP help
Hi, I'm hoping someone can give me some advise on what to do. I bought a car on HP from a reputable car dealer that I have used before, i traded my old car to them to use as a deposit, the finance was done through Zuuma Car Finance as a Hire Purchase agreement, I have been paying on time each month. I recently wanted to…
-
Moving house and changing loan
We recently moved and kept back capital from the mortgage for works on the new house. There was just enough cash to settle an existing kitchen/car loan with Sainsbury’s which was at 3.3%, so I did that, planning to apply for a smaller loan at 2.9%. That seemed like a good idea! I probably made the new application too soon,…
-
advice on lending to family
I have lent money to my niece in the past and none has been repaid. She is now in rent arrears and will be homeless with her partner and 3 children so I feel I must help. I want her to repay the money I will lend her and the money she owes me from previously. So I think some type of legal contract is needed, one that means…
-
new loan topped up
Hi, I applied for a loan and topped up within two days from Halifax. It is now showing as two loans, first one balance is nil and second one actual balance after top up. My question is, would it show on credit file, as two loans one settled and one standing? Or just one loan? Thank you
-
want a loan but house is in my wifes name
me and the wife have been discussing finally fixing the house up. we need a proper kitchen in and the bathroom is in a right state. so we have decided to get a loan. the problem is the house is in my wifes name and she only brings in about £5000 a year, where as i earn £27,000. i have a CCJ on file so i dont think i would…
-
Should I consolidate
Hi everyone, ok I currently have £11100 of debt spread across 4 credit cards, various rates of APR , the lowest being Barclaycard @15% ,the highest being around 18% , currently paying the minimum amounts ranging from £81.69 for the Barclaycard down to Virgin @£26.07( still on 0% until July,) my Sainsburys card is on 0%…
-
Tesco bank Personal Loan credit check
Hi Guys! The users of this site seem to be quite helpful so giving this Q a go. I am getting to grips with credit checks/scores etc and trying to figure a few things out. I understand different organisations do different types of checks but Does anyone know how detailed a credit check with Tesco Bank is for a personal…
-
Co-Signing Car Finance
Hi there, I have bad credit and my partner has applied for car finance through Arnold Clark and he only has a provisional licence. He has been asked for someone to co-sign the finance and the salesman advised he thinks this needs to be someone living at the same address as my partner. Does anyone know if the co-signer…
-
Pay Student Loans or Save?
Trying to figure out what to do with my relatively meagre savings, I discovered due to scholarships I may end up repaying my student loan in full in 28 years. Which, after a few article readings, means I should be trying to pay more now instead of saving to reduce the interest I pay? I would appreciate any advice on…
-
Which car finance option?
Hi, First time posting so please be gentle :rotfl: I’m looking to buy a new (well probably used) family car. I have always taken a personal loan and owned the car, however, cars are getting so expensive that the last car I bought in 2007 was already 5 years old so with a 5 year loan I now own a car that is old and…
-
Money transfer card
Hello All, Help and advice please. If I get a money transfer card and put X amount from the card to my bank account, can I then transfer some of that money to my Greek bank to pay for Bills etc. Thanks in advance Woody
-
Remortgage to pay debt
Hi everyone, Long time lurker first time poster here. So as the title suggests remortgage to pay debt yes or no? Initially on the advice of my mortgage broker my immediate reaction was why would I waste equity in my house and told him that would not be an option. Anyway I have 2 credit cards with a total of about £5k on…
