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14 days to cool off!
Hi I bought a piano 17th August 2018, paid a deposit and through the website I financed the rest on a fixed sum loan for 2 years. The piano wasn't delivered until 7th September and it was faulty (currently doing battle under the Consumer Rights Act). But how could I reject the loan within 14 days if I hadn't received the…
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M&S Loan interest raise at last minute
I normally "game" the credit card system when I want to borrow some money, but I've got a bit bored of that recently so thought I'd try a cheap loan instead. I used the eligibility checker and applied for the best loan on offer with M&S at 2.9%. I was planning on paying it back early and it had pretty much zero penalty for…
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Short Term Loan
The finance on my wife's car is coming to an end in a couple of months, so we need to start thinking about our options. As the balloon payment is around £8,000 and the car has been valued at approx. £12k, we're looking to make the payment and sell the car privately, pocketing the remaining cash. However, sadly we don't…
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Think we have been done
Hi everyone, I hope someone can help point me in the right direction. We took out a loan secured on the house (I know bad move) this was 13 years ago, we are still paying it off!! we have another 2 years to go, but I think we have been done over. We took a £25000.00 loan, over 15 years (silly I know but needs at the time)…
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Mis-sold customers of Wage Day Advance and Juo Loans won't be given full compensation - MSE News
Administrators for payday loan providers Wage Day Advance and Juo Loans, which collapsed in February, have admitted that customers who are owed compensation will only receive a "partial payment" for their claims...Read the full story: 'Mis-sold customers of Wage Day Advance and Juo Loans won't be given full compensation'…
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Credit check - Does it tell company your living situation e.g renting?
I heard it’s better for your credit score to have been living at a property for 3 years + but I moved into my own flat (private renting) recently after being in my father’s house for many years. I have a good credit score at the moment but I now need to apply for a personal loan. I am wondering whether it is better to keep…
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Can't get a loan
been trying to get a loan to consolidate my current credit card debt but have been unsuccessful. They are all maxed out as well as my overdraft and I am in a spiral Just started a new job and can afford repayments just want all my debt in one place and not 4 Please help!!
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Loan for home improvement?
I am trying to help a friend of mine who finds herself financially stuck (again). The beginning of the story is here. Summary of the affairs. Income £1700-£2000 per month after tax (e.g. this is what lends into her bank account). She works for a private building company and the amount depends on the number of…
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Payday lender's collapse to hit borrowers
Hundreds of thousands of people who were mis-sold payday loans will receive a fraction of the compensation they are entitled to after a lender collapsed. WageDay Advance had given loans to about 800,000 people but went into administration earlier this year. In a case that mirrors the demise of Wonga, the company folded…
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Pay a loan with credit card
I have a loan with Sainsbury’s and was wondering if I can pay it off with a 0% balance transfer on a credit card to save myself paying interest?
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Reason for Loan
Hi all, I've got a post office loan which i've had for 8 months for £7000 and want to know if i could top it up to raise another £2000 as i've booked a holiday which i normally pay for monthly but i've had some financial things crop up so this means that i will struggle to get enough money together for spending money so…
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Where do we start?
I am writing on behalf of a friend who got made redundant and consequently got behind with bills etc. Because of this his credit rating has dropped considerably. He has a car on a 3 year contract which has a balloon payment at the end of it, or he can walk away with no car. The car payment although late was always paid.…
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Secured loan
I have a secured loan on my property. I was told what I wanted to hear at the time and because we needed a quick fix went with it. Started out as 13,000 now £20,000. How can I get out of this. Have a mortgage so could remortgage. Company whom I got loan from doesn’t exist any more. On tight budget so need help.
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New website to make claiming for mis-sold Wonga loans simpler - MSE News
Wonga customers will be able to claim for being mis-sold payday loans later this month by using a dedicated website set up by the failed company's administrator, Grant Thornton...Read the full story: 'New website to make claiming for mis-sold Wonga loans simpler' Click reply below to discuss. If you haven't already, join…
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Student Loan Application Query
Apologies if this has been asked before (but I can't find it anywhere)... My girlfriend and her ex partner split several years ago and their daughter who lives with my girlfriend is about to apply for a student loan. I currently live in the house with my girlfriend and pay an agreed rent for a room which is documented.…
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Loan Question
Hi, I was going through a loan application form and one of the required questions is 'what is the net monthly household income?' I'm currently living with parents, and they are not willing to divulge this information. They already ask for my monthly income, so I don't really see how its relevant? Can I just repeat that…
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Need Some Advice Please
Hi Folks, Hope everyone is well. I am posting here as I would like some advice on what to do as I think I may have got myself into a mess. I am due to be getting a new car (used not brand new) and I got accepted for a £11k loan for 3 years with First Direct at 5.9% a few days ago with my payments approximately £320 a…
