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Can't get a loan or any answers
Sorry if this is in the wrong section but I'm new to this and I'm at my wits end I don't know where else to turn. I have been trying to get a loan for nearly two years, and I'm always straight refused but I can not get an answer why. I've been through it all with my bank and they will not give me an answer and don't have…
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Payday loan complaint
In 2012 I began to get very ill after taking out a variety of pay day loans and the stress of making repayments. I made a complaint in 2018 about the companies involved and I have been asked by the person handling the complaint by a third party organisation ‘what I thought regards the lending and the loans I was given’. It…
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Should I consolidate debt?
Hi all, First time poster, long term lurker! So apologies if this is in the wrong place. Always seen lots of great advice on here so hoping for some help?! I have just under £9000 in debt - £2000 overdraft from when I was a student (started off interest free, no longer is.) £5000 on one credit card and £1900 on another…
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Poor APR offer - worth trying elsewhere?
I applied for a Sainsbury's loan of £7,500 for home renovations. I have been offered 6.3% APR rather than the 2.9% I was hoping for. I was disappointed because my credit score is excellent, I am a home owner full time employed etc. Since I applied the Sainsbruy's offer has disappeared from the MSE website as well. Is it…
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Court Claim
Hi, my sister has court soon for an alledged wageday loan for DCA and scolicitor, there is no Defult notice from original creditor. can we we defend saying that this claim is invalid as there is no defult so souldnt be sold or taken to court??? also it appers this loan is not no her credit file
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Restriction on home advice
Hi, Around 2005 I defaulted on an unsecured loan which subsequently ended up with a restriction being placed on my house by the original creditor. This was around 2006. In 2007 the original creditor sold the debt to a debt collection company and I would like to ask if the restriction is still valid as the named creditor no…
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Personal guarantee
Hi there, With a personal guarantee (that is not secured against anything) With my partner owing 50% off our house and me the other 50% if things were to go wrong with the business could the bank force a sale of our family home? The personal guarantee is only going to be on me not My partner. We’re extremely confident all…
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The Voters Register and Student Loans
Hello all. Hoping somebody might be able to answer a question to which I have so far struggled to find an answer. Does or could the Student Loans Company use the voters register (the full version, not the open version) to investigate or check up on those who are or are not making student loan repayments?
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hidden subscriptions on loan sites
I was stupidly looking for a loan on a quick loan site i entered details but decided against the loan but i have all off a sudden been charged a subscription to acceleratecoach.co.uk they refuse to fund it and I there is nothing I can do to get my £25 back actually they were pretty nasty about it. I got no documents to say…
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Paying off car loan
Hi, My husband took out a car loan 18 months ago and it have quite high interest repayment rates. I finally convinced him to pay the balance of the loan off with one if his 0% credit cards which will save us hundredspossibly thousands over the years. However, after calling the car loan company (Barclays) this morning, they…
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I think I’ve been ripped off by a HP car dealer
Hi guys Need help.. In January 2019 I saw a car dealer about a car on fianance (£151 per month £0 deposit originally) he basically ripped my credit score to shreds applying for finance for myself for the amount of £10,000 for the car. It eventually came back that the “only company” willing to lend me money was wanting to…
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MotoNovo Finance - Misleading texts and letters following missed payment
Hi, I am just coming on here for a bit of advise regarding a MotoNovo finance and the letters and text messages I receive after I have missed a payment. I don't know if I have a case to complain to them about, but I am airing it here to see what others think. I have missed a few payments with them over the last 6 months.…
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Masters Loan Repayment?
Hi, I recently started a part time masters and have taken out a postgrad loan of around £10k to pay for the 2 years. However, my work have agreed to pay the fees for me. So it leaves me with 2 questions: 1) am I allowed to keep the loan (it’s being paid in 6 instalments over 2 years: I have already received the first), and…
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HSBC Personal Loan - Paying early.
Two days ago I took a loan from a HSBC - 15000 pounds, for a 60 months. They offer me a 7% interest. Today I won a 8000 pound, so I need only 7000. What you think, what is better option for me: - cancel that credit with no interest, and took new one for 7000? - pay now this 8000 to a current loan, so this should lower my…
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Livelend Loan
Good Morning, I took out a small 1.5k loan last year with a company called Livelend. I am going for a mortgage soon, and I will have this paid off by then. My question is this company a payday loan company? Stupid question I know. I don't think they are. I know payday loans are frowned upon at mortgage application. Never…
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Overdraft and Loans taken out whilst having a gambling problem
hi guys Was advised by someone took seek advise on here so here it goes. I managed to develop a gambling problem around June this year. i kept extending my overdraft to gamble more up to 2.5K, the maximum Halifax would allow me. Then I got a 1k loan out to cover my overdraft and guess what I ended up gambling that full…
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Low income, excellent score, poor chances..what to do?
Hi, I have a new part time job, paying approx £610 per month. This money is being all set aside to buy some land.. My partner pays an existing mortgage. I have approx 45000, bound up in the house, but I am not on the deeds, as at the time of taking our mortgage out I was not working and the Halifax refused to add me…
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Multiple loans
I'm considering opting out of my work's company car scheme and using an alternative allowance to buy a car, using a personal loan of £25k. My credit record is extremely good and I have no debt other than a mortgage and a few hundred quid on a credit card that I pay off monthly. I was offered a tesco loan of £25k a year ago…
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Post Office Loan
Made an application, got approved for 9.9% instantly and received an email that says "Congratulations – you’ve signed your loan agreement electronically, subject to final checks your money should be on its way to your bank account. That’s it for the application – just sit back, relax and your money should be in your…
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Varooma took my recently purchased vehicle
Hi all, I recently purchased a vehicle from a private seller.. (2000 reg). To my horror it wasn't at home when I returned from work. I had a 'vehicle seized' letter in the letterbox! I've contacted Greenlight Ltd/Varooma, and they say there is debt still owed on the car. However due to data protection act, cannot give me a…
