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Loans

Archives for October 2019

Car PCP - help!
Hi there I have a car which I got 1 year ago on a 3 year PCP, with a 9000 mile a year limit. I have just changed jobs, and this won't work any more as my mileage will double / triple a year. My new firm have given me a company car but I can return it if I wish. I have been trying to sell the car but I am getting no where…
Loan in Portugal for foreign people
Hi everyone! I've looked for this piece of information in the forum before posting this but I couldn't find anything relevant. I'm from Guatemala, I have a working holiday visa only for Portugal -it is not for any other EU country- I have a work contract for 3 months that will be renewed when it finishes. I don't have…
Bank won't give me a loan due to equity
Hi, I am wondering if someone can please help me I am desperate. My partner and I bought our home in 2017, a 2 bed semi at £210k with a mortgage of £184k and 13% deposit on a 5 year fixed rate. We have paid back nearly £20k so far. We are wanting to do an extension on it and have had the plans agreed. The quotes roughly…
Quotation Search - (Associate Link Search) Question??
I am not sure if I have put this one in the right forum section so my bad... I have just checked Credit Karma for my credit report and have just noticed under search history that there has been two new searches on the 09/09/19 for loan companies.. However I have not lived at that address for five years and it was a private…
Debt owed by company trading as another company
Company A owes me a four figure sum from late 2018. I always dealt with them as Company A. However, upon asking to have my debt paid off, they have told me that it was actually Company B all along. Company B was "trading as" Company A back in 2018. I had no way to know that this was the case. Unfortunately Company B went…
Very Early Repayment
Hi, My mortgage is up for renewal in March. We’re desperate for new windows and have had a good quote. I’m thinking of getting a loan making around 5 payments and paying off early by adding the amount to the mortgage. What interest would I pay for settling early? I WILL get the best loan rate and the mortgage won’t be a…
Joint Debt but only one person CCJ'd
My wife and I had a business loan with a high street bank (one with only 4 letters in their name) and we signed as personal guarantors for the loan. The business closed and we continued to settle the debt. Sadly we fell behind and the bank chased us both until the point where it went to CCJ. However, the bank only CCJ'd…
Paid off my loan!
I took a £5,000 loan over 3 years last October to pay off a joint overdraft which had crept up to that level over the previous year of under earning and car troubles. I hated very much having a loan as I'd never really owed money before, but it was better than the £60+ of fees and interest which was being added to the…
In catch 22, need help or advice
Hi everyone, This is my first post so please move if in the wrong place. I really need some help and/or advice. Firstly, please allow me a few mins to introduce myself and explain my current situation. I've made some poor financial choices over the last couple of years which I'm attempting to resolve now. I work in IT and…
Wife made redundant - what should I do (car loan) ?
Cross Post from another subforum, been advised it might fit better elsewhere and this seems appropriate... Bit of insight into our situation: We bought our house in zone 2 London last year, our mortgage is pretty low at £1200 a month. Low enough that i can cover the mortgage and bills (never more than £2500 a month) with…
Wonga Claim advice
Good morning, I’ve had an ongoing request to claim from Wonga for a while now and this morning I received a request to upload some files to something named Accellion. They’re asking me to upload a bank statement and a copy of my /passport drivers license, which makes me a bit uneasy. Has anyone else had this email? Thanks,…
Paying off budgeting advance loan early so can I apply for another one immediately?
118118 loan
Sorry long post! Quick background: I got into the payday debt spiral a number of years ago and it’s got worse and worse, to the point where I tried to take out a large 118118 loan - looking back I was very surprised when I was approved and I was getting rejected on extending loans etc. It has taken me years but I have…
Debt help- sos
Hi, A few months back I got into the habit of taking out a couple of payday loans. I lost my job and wasn't able to pay them back. I ignored them. I now have a job, I would be able to afford paying them all back if they were all in one lump some. However because of the number of different ones, I can't afford to pay them…
Car Lease PCP Advice
Good morning everyone Leaving my company car scheme and taking the allowance, I have found, through an online broker, a deal for a new car that claimed to be a personal lease. After placing my order, having the credit check etc I am having some doubts over it. Basically, I wanted a 3 year lease with maintenance, minimal…
PeterP
Hi everyone I have question. Today I have been received letter by royal mail from HM courts and tribunals service saying CASE NUMBER.....CABOT FINANCIAL V ME URGENT COURT MATTER-DO NOT IGNORE THIS NOTICE Urgent documents are being held at County Court at Northampton for your attention. You can collect these documents in…
Options for loan to finance a large(ish) extension?
Hopefully this is placed in the right forum and I haven't missed any obvious threads. Having looked online I'm not 100% sure what my options are for trying to raise funds for a 2 storey extension on our current property. Our mortgage is a few months away from ending its fixed period, the house has a conservative value of…
Natwest Loan trouble
I took out a loan with Natwest 3 months ago. The amount was 5000, I used it to pay off all my credit cards which were costing me a lot more money (all sub-prime cards) since then my partner has lost his job (redundancy) and we are struggling. My loan repayment is £140 a month. I'm not sure what to do, do I speak to Natwest…
Tesco bank - is this normal
Evening all just have a query hopefully someone can help with. Earlier today I applied for a loan of 10k over 4 years. The process said I had been approved but instead of signing digitally they will be sending out documents in the post for me to sign and return prior to final checks. Is this normal or is there still a…
Who has to sign for a secured loan ?
this is probably has an obvious answer but when you get a secured loan who has to sign and agree ??? Currently have no mortgage on our house and have been doing it up over several years using personal credit. Just needs a final push and have no personal credit left. So going for a secured loan to get the rest and may…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
Ofgem has today launched detailed proposals for a major shake up to its Energy Price Cap that dictates the price over 80% of homes in England, Scotland and Wales pay for their energy bills.
Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
If you're a Lloyds, Halifax or Bank of Scotland current account holder, the interest rate you're charged for using your overdraft could change soon as part of a fees shake-up. The Lloyds Banking Group, which owns all three brands, says millions of its customers will pay less after the changes – but a "few" will pay more.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more low-income households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
If you have a complaint about your energy firm, it may be resolved more quickly in future, as the Government has announced a raft of proposals to strengthen consumer protections in the energy market. The planned changes include giving the Energy Ombudsman new powers to force firms to comply with its decisions – but it's still very early days. Here's what we know so far.
Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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