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Lian Scams
Hi guys I'm new to this so please be gentle with me hahaha, I had applied for a loan online from a few loan companies , anyway I decided getting a loan from any off them but now i have got companies I have never heard of are going into my bank and taking payments for services i never signed for or would ever sign for like…
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Credit Union Loans?
I'd quite like a loan to consolidate my credit card debt to reduce the amount of interest I'm paying. I have a credit union in my area that offers loans with 10 to 12 % APR on the amount I would like to borrow. Does anyone know how likely credit unions are to give a loan, compared to a bank? I see they want read only…
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Weird Letter from Instant Cash Loans
Received this letter in the post today from Instant Cash Loans. I did have a loan from one of the brands listed on top of the letter back in 2011. It also says they wrote to me on the 19th July but I'm positive I've had no previous letter. Anyone else got this letter or know about it?…
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Logbook loan advice needed
Hi there. Last year I took a logbook loan out for £2,000 against my vehicle worth £10,000. I took this due to my work not paying me correctly for two months, but was still given the loan despite not being able to show any wage on my bank statement. Shortly after, I unfortunately lost my job due to a recent neurological…
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Overpay Loan or pay into Lifetime ISA
Hi all I have a £8k loan at 2.9% APR of 3 years. payments have just started at £232 a month I am also currently saving between £300 and £400 a month through a Lifetime ISA I am looking to purchase a property with LISA as deposit in next 2-3 years. Would i be right in saying i should keep payments above as is, or should i…
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Student Loans
Hi, I have a question for anyone. I went to university in 2010-2013. My family moved to the Isle of Man in 2008, this meant that when it came to go to university I was not eligible to receive help from the Isle of Man Government for tuition and maintenance fees, as I had not lived on the island for 3 years.! When…
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Loan / Gambling / irresponsible Lending (and me)
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Completely Effed up
Hey Everyone! Need some advice please, funny story... So, we dececided to re-consolidate and takeout some money for home improvements. My wife applied for a loan in my name with The AA, 23kover 7yrs at 3.1%APR, We got the money a couple of days later, We paid off our loans and credit card, booked the guys to resolve our…
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Secured Loans
Hi All, Can anyone give advice on secured loans please? Do they show up when you come to remortgage or take out another mortgage etc? I have a help to buy equity loan that will be up in 2.5 years so I'm unsure if I get a secured loan whether it will impact this process? Thanks in ad
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Ombudsman Decision
Hi I received the below message from the FOS regarding a complaint. Does anyone know if my case will go into a queue before an ombudsman can look at it? Just wondering what the time frame is for this process. This case has been with the FOS for almost 2 years now and it's really dragging on. Because the business did not…
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Lawyer letter
Hi , I'm looking to consolidate my debts in to one loan but was rejected as the money my ex pays every week is not court appointed . My question is , would a lawyer letter that we would both sign worth getting ? Would this be classed ' court appointed' ?
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MacBook Via Barclays Finance
Hi all, Was going to get a new MacBook the 0% APR for 12 months through Barclays Partner Finance. Applied, all passed sent me the link to e-sign my agreement but after sleeping on it, I've changed my mind. Couple of questions. 1) Can I just not sign it and then in a couple of days / weeks it will just be null and void? 2)…
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Will brexit affect loans
Is Brexit likely to have much of an affect on loans? Thinking about taking out a loan to pay off pcp and buy another car.. Should I do it before or after brexit?
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Motonovo finance.
Currently with Motonovo finance and have been for the last 7 months, I’m part exchanging my car for a new one this week with the same dealer as I put the car into positive equity by making some over payments over the last 3 months, my credit score hasn’t changed since as it is 375 on clearsore, I am just looking to get…
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Tesco Loan - Approved in Principle
Hi everyone, I just wanted to post something as I have applied for a loan yesterday through Tesco which was approved in principle, and are sending me the documents to sign over the next few days. They have also asked for 1 document from List B which is proof of address so i will be sending the first page of a recent bank…
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Guarantor Loan via false pretences
Hi All, looking for some help and advice with a stupid situation I've got myself into. Around 2 years ago I was asked to go guarantor on a loan for a very old friend who, at that time I had the utmost trust for. This person had explained that they'd just paid off one loan and wished to take another until a work bonus came…
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Loans
Hi, I am contemplating buying a motorhome & would need to borrow £20,000 is it better to borrow the money before ? if Brexit happens or after sorry i know your not a mind reader & this is a unique situation i am unsure if anyone knows the answer to this. Thank you.
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Student Overdraft
My son had a student overdraft of £2000 a few years ago He has now gone traveling and bank of Dad is paying the charges of between £30 and £35 per month . As the loan is not going down at all what are my best options to get rid of this £2000 debt. I feel I am paying his chargers for nothing (which I am ) but need a way of…
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Mis-Sold Loan
I had a loan from a major bank, when the loan was taken out a separate account was created with a negative balance. This balance was the total amount of capital loaned along with the total interest to take the loan to full-term as well as the total PPI to take the loan to full term. I refinanced this loan and was given no…
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Early Repayment
I'm wondering whether the following is reasonable, as it doesn't feel right to me but it might just be my fault for not reading the small-print. I borrowed £3,000 from lender X just over 5 months ago over 36 months at an interest rate of 41.06% pa fixed. At the time I understood that early repayments are allowed. However…