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Audi payment holiday effected credit rating
Hi, wondering if this has happened to anyone else and to get some advice. I took a payment holiday for my audi PCP, I was told it wouldn't effect my credit but they have now classed it as a missed payment and my credut has now reduced from excellent to fair. How do I get them to rectify this - I am applying for a mortgage…
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Bolt Financial Services
Has anyone ever heard of or had any dealings with Bolt Financial Services?
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business loan
So I am taking over and starting a new business towards the end of the year. We have a third of a downpayment, but need to finance for the rest of the amount. Is start up the best option for a business loan? I do not think we are eligible for the bounce back loans due to coronavirus, as we have only been registered since…
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Best gift / cashback when taking out a loan
I am looking to take out a £15K loan and will use the best buy tables to get the best rate I can. But, for that amount of money, I was looking to see if I was missing out on potential extra cashback etc. I've checked Quidco and Topcashback, and I can get about £63 cashback from TCB, which isn't guaranteed and the rate is…
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Windows loan
This discussion was created from comments split from: Should I get a second loan?.
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Student loan. No debts Should I make lump sum payment?
I've read martin's comments about NOT paying back the loan being the best option for most people. I think i understand it! However - this situation: Pre2012 loan. UK citizen but not tax payer. No loans or mortgages. Lump sum available. Is it better to pay off a chunk of the loan than have the money earning about 1% in a…
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Bounce Back Loan
I applied for a BBL with TSB on 21st May.I have been a business customer with them for 3 years.Obviously they are very busy with applications but I have heard nothing at all about my application.I have tried phoning but they are always busy. Has anyone else been waiting this long? Any suggestions welcome.
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Bounce back
hi i took out the bounce back loan but didn’t take the full amount I took 15000 but could of taken 20000 is there anyway I can get the other 5000 im with RBS? thanks
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Should I get a second loan?
Hi, I'm new to this and hope someone can help. We currently have one car in the household but I need to purchase another for work reasons. The current car was purchased with a personal loan of £7500 @2.8% which currently has 2 years left, so about £3000 (inc. interest). I am looking to spend around £9000 on the new car and…
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Student Loans
How much should my student loan deductions be if I earned £27,500 in the 2019/20 tax year? If I have been overcharged, can I get any of this back?
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Can I issue a claim with a debt collector for IOU's from 13 years ago
I have found copies of the original IOU's my ex partner signed when I lent him a considerable amount of money about 13 years ago. I lent money to both him personally and to his business. For the personal loans I asked him to sign several IOU's as I thought that this would protect my money (I realise now that I was being…
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Does a BBLS for a sole trader affect my personal finances?
Hi I have recently received the BBLS from HSBC into a new business account i set up with them. This is a sole trader account and not through any limited company. Because the loan is taken out in my name through the business which is a sole trader, does this affect my personal finances. For example if i was to get a…
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Moorcroft/Tesco Bank
My son has various debts with several companies, mainly pay day loans. He has asked me to help and we have emailed several and are slowly gaining control. He has however a large loan with Tesco which had been passed to Moorcroft (around 8k). He emailed and offered to pay a monthly amount. He has just received a letter back…
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Irresponsible lending
I initially got an amigo loan whilst only working less than a year for current employer I had over £5000 in debt to payday loans and a credit card, I only took home around £1100 I then got a top up loan which meant I then had Nearly £12,000 debt. Although stupid on my behalf does this give me a case for irresponsible…
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Short term equity release question
Does anybody know the position on releasing equity from our house for only approximately 18 months? We own our house without a mortgage with a value of around £550k. we would like to release around £180k to help a family member buy her house due to divorce. We would be able to pay this back in 18 months when we retire by…
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Pcp
Hi..... i purchased a nearly new BMW motorcycle 1 year ago over 4 year pcp deal with minimum deposit and a guaranteed vechile value of £1800 at the end of term. I have just checked the value of my bike and it is at £1750 now but i have 3 years of payment left before its return . Will this be a problem on return its not…
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Loan - can I?
Hi all, I’m possibly considering getting a loan of £6k for a new car, but I’ve noticed that loans over £7.5k attract lower interest rates. Do you know if it’s possible to borrow say 7.5k over 3 years to secure a low rate, but then pay back £1.5k almost immediately? If I did this, would the monthly rate drop pro rata or…
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Help needed on debt consolidation
Hi all, Coronavirus is hitting hard and there’s one monthly expense I can’t seem to improve. I have approximately £4.5k with RateSetter at 14.9% APR, over 5 years. I’m one year in and paying £116 a month. I could really do with lowering this payment but I’m not experienced with debt consolidation. Any help/ suggestions…
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Klarna - making it difficult to pay debt anyone have payment tips?
I bought a scooter during lockdown, I could have paid it outright with a push but like the monthly doable payments. It was extremely difficult to contact anyone through their customer pages as the links led nowhere. I am trying to make a full payment but again their payment links never, work and they require payment…
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Bbl
Hi all, I’d just like to say I applied on the 12th June, had email last Friday to sign aggrement, that says all done, still no money in bank but new direct debit set up not by me, presume this is a good sign??? Can anybody give me a answer if they’ve been through the same process as me??
