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Bounce back loans
Ok I have a Ltd Company it’s still in start up period (just reached 12 months) I personally have CCJS on credit file which I was under the impression wasn’t an issue as the loans were not going to be credit rated as it’s 100% government backed. The problem comes as all but one or two want an account opening FIRST. I’ve…
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Finance for purchasing a powered wheelchair
Now that lockdown is ending...!! I have to replace my outdoor powered wheelchair as I am spending too much on having the same fault fixed and I can now no longer use it as the same problem with it has returned. The company I would like to buy from are not yet licensed to offer finance, and do not recommend dedicated…
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Moved: Tuition fee quey
This discussion has been moved.
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MBNA card balance to Personal Loan
This discussion was created from comments split from: Unsure whether to consolidate - please advise.
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Bank loan query
Hi. So I have recently been thinking of getting a bank loan possibly looking to borrow around £14k for a new car and a couple of other things. On my Experian credit file I have a fair bracket score of 830 despite the fact I have never missed a payment no defaults etc has anybody had any success in being accepted with a…
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Kitchen 0% finance mess up
Went to view a kitchen and design it etc, that all went through and got a price and they say would you like to see if you are eligible for the finance for 0% etc you don't have to agree to it yet etc. Anyway it's all accepted saying we are eligible and we leave the store to think. Half an hour later they ring saying that…
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In need of a loan but unemployed until Sept 2020
I am a teacher but have been travelling for the past 9 months. Current climate resulted in me coming home with some debt. I have a new job lined up, however, I am not officially employed or have an income until Septemeber. Can I get away with saying on the loan application that I am employed as I could do with paying of my…
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Natwest trying to force me to default despite no arrears.
I took out a loan for £5500 to clear my partners credit card, as the interest rate was lower on the loan than the credit card, and we were unable to transfer the balance to a new card to try and make use of an attractive deal. The bank account linked with the loan had a £700 overdraft. I had tried to get it reduced, and…
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Drafty Loans - Are they still operating?
Can't access online account and emails are been returned immediately with advice to log into my account to contact them. Impossible to contact and wanting to make payment.
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Car loan after bankruptcy discharge and credit file clean up
Hi, My wife and i went bankrupt in 2013 (partly circumstance and partly being young and naive...), with around 30k in credit card debt, as well as handing the keys back on our house and including in the bankruptcy. We were discharged a year later, and now more than 6 years have passed, the bankruptcy has been removed from…
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Repay loans after death
Hello, i am not sure if this is the right place to start but i am looking for information on behalf of my Neice. My Neice and her husband are living in Canada and have been for 10 years. Her husband has been diagnosed with a brain tumour, he has months to live. She has just found out about 2 loans he had in his name only…
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Loans2Go question
Hello all,I've written a previous post regarding handling debt and other issues, which I am trying to resolve through, but unfortunately I've ran into some difficulties with a company called Loans2Go. I understand that I shouldn't have used this company, as their APR is outrageous, but please understand that gambling is a…
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Timeshare with Barclays Finance loan
Hi there, looking for some advice please. We bought a timeshare at Golden Sands in Malta in 2018 and have clearly been taken for a ride, We were given a hard sell on the day and told our contract with them was five years. It now transpires that the contract is actually to run for another 25 years, I do not know how we did…
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Vendigo Finance / Lending Works
I’ve always had a perfect credit file and never been refused any type of borrowing that I’ve ever applied for. I’ve recently had a new roof fitted and the company were offering and I accepted a three year 0% interest free finance loan to repay the job. I always had the funds available to pay for this in full immediately…
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Is this loan experience of mine standard practice? Help appreciated.
Hi all, I'm hoping this lovely place can help. I just there decided against taking out an AA loan, over the phone, frankly because I was unimpressed with their evidence upload portal for the last time. What I wasn't expecting was to get home to find my INTERNET had practically been TURNED OFF as far as browsing for a loan.…
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Rejected for Bounceback as I took a payment freeze
At the beginning of the Corona virus crisis I took forbearance where I could get it so as to protect my outgoings as I wasn't sure what was coming in over the next few months. I had a personal loan with Natwest and went through their payment freeze forbearance procedure. When the government announced Bounceback Loans I…
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NHS Bursary and Student Loans
Hi; I was wondering if anyone else is in the same boat as me! I'm currently going into my 3rd year of adult nursing and have been having issues with my maintenance loan. I normally receive the maximum amount of funding but for my 3rd year they said I am only entitled to £1'916 as my "course code attracts the NHS bursary".…
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Why do people say when interest rates are low, borrowing is cheaper?
I looked at getting a loan when the BoE interest rate was 0.75% and the lenders were charging ~4%. Now the BoE base rate is 0.1%, a reduction of 85% yet when I search for loans they're still wanting ~4% interest? Same for mortgages by the way. When people say borrowing is cheaper, do they mean for billionaires / companies…
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Payday loans now in admin taken out in my name.
I recently noticed my credit score was very low as I kept getting declined from lenders but only thought this was because I had not had much credit history. I later then realized I have been a victim of identidentity theft and someone has taken out two loans (ACTIVE SECURITIES & INSTANT CASH LOANS) in 2016 using my details…
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My so called friend is claiming my money back from Amigo loans
Hi, I was hoping for some advice on this matter since it has become a bit complicated. Basically my friend took out a loan with Amigo for £1200. I agreed to be guarantor for this loan because he has been a long time friend of mine who ended up in a bad situation. Everything was fine with this for the first year because he…
