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Take out a loan or use savings to pay for Master's degree?
I've also posted this in student money saving. Hope it's okay to cross-post here. I'm thinking about doing a part-time MA while I work. I have a small amount of savings, enough to cover my MA fees, and I would still be earning and saving while studying for the MA. I think I would feel more reassured leaving my savings…
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Car finance
I have re handed a car back to the finance company Around 6 months ago, they originally advised me to voluntary surrender the vehicle and I would owe maximum £1000 based on what the car is worth and my settlement figure, so this is what I done. They are now trying to say it’s based on the original agreement (with interest)…
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Home adaptations loan
My mother in law recently bought and has a mortgage free house but after moving into the property found a number of alterations and adaptations are now needed to allow her to continue living in the property. Does anyone know what options are available bearing in mind that she is 91 and lives on her pension, although she…
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NatWest customers say accounts were closed after they applied for Coronavirus Loans
NatWest has shut the accounts of some small business customers who applied for government-backed loans to help them get through the pandemic, leaving them distressed and unable to access their cash. Several customers of the 62% taxpayer-owned bank have contacted the Guardian to complain that their accounts had been…
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Help needed so worried
Hi, first time posting on here. i took out a loan with 118118 a while ago, due to COVID I requested a payment holiday. Waited 2 weeks for the contract and when it fans it changed my monthly amount from £78 to £85 with the 3 month holiday in place, on the contract it states the Loan was for 1173 with interest over 1700. I…
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Is HP only available for new cars?
My old car died on me and I need to replace it. I can't afford a new car just now and will need to borrow some money. This is probably a silly question, but is HP available for this? (I've had HP before, but it was for a new car.) If not, is a personal loan the only alternative? Thanks.
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Is now a good time to repay a Help to Buy loan?
I have had a Help to Buy loan since March and am now in a financial position to be able to pay it back. The loan amount at the time was for £37k. What I don't know is whether or not now is a good time to repay this loan. Some people predict a recession or possible decrease in house prices. In either scenario, there is a…
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Hatachi
I’ve just applied for a loan with hatachi and been denied. I’m with hatachi at the minute with a loan for a car I owe £327 which is not due till the 11th of next month. I’ve never missed a payment and not taken any other loans or credit out for anything else. Not open till Monday so can’t call. Just wondering if I’ll be…
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V12 Finance
Hi, does anyone have a link to where I can see if I will be approved for V12 finance before putting in my application? Can they run a soft search to see if you are pre approved etc? thanks LL
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Can I reject a loan offer if I want to apply for a different one? And will this affect my rating?
Hello I have decided to upgrade my (owned outright) car. I have only had it for 3 years and would normally keep it for longer but there have been some known issues with the model that have made me decide to move. I would be really grateful if you could give me some advice about applications regarding my credit score: I…
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CILEX funding
Hi all, looking at doing the Level 3 and Level 6 CILEX courses. Does anyone know/ have experience of applying for the advanced learner loan to cover the costs of both levels? Does it cover the whole lot or just partial? I am looking at doing it via online learning and there are several collages/companies that off the…
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0% eligibility
I’m trying to get a loan to help my son out as, due to coronavirus, his bonus has been cancelled for 2 years, meaning that he’s down £40,000 a year. He’s servicing his debts but (seriously) worried about cash flow, (and I’m seriously worried about him), he’s been refused consolidation loans so I thought I’d try (he will…
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Car Loan and Savings Advice
Hello all, I am just after some of your advice and opinions if I may? I am in the process of buying my next house, up sizing, with my wife and son. I am in need of a new car as my current car is now very old and I am constantly paying out for repairs. I am going to be inheriting £10K in the coming months. I was thinking of…
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Currys/Creation finance
So I have an agreement with creation and I’ve used £200 of it last year on gaming products. I’ve spoken to them about it as my credit limit is £1900 and I still have £1700 that I can use but I get an error every time I try to use it. I spoke to someone who said to screenshot the error and send it to their email but I…
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Student loans and pensions
Good evening, I have a student loan (the old one!!) and want to clear it. If I do, will more money be deducted than currently towards my pension each month? I am a teacher and so use teachers pensions. Many thanks 😊
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Will getting a car loan help with my mortgage application?
Hello everyone,Will getting a car loan help or detract from my mortgage application? I am conscious that I am 25 and have not had a large amount of credit such as a car loan before. I have had credit cards in the past and have always paid them off so I have an excellent credit score on both Experian and CreditKarma. I also…
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Loan eligibility calculator - Confusing!
Hi there, I need an opinion with the following please.....Within the next few weeks, I am replacing my car & will therefore be applying for a loan. I have a very good credit rating, a full-time job, not huge outgoings but the calculator on this site only brings up 6 results & only one of the says 100% eligible @ 19.5% APR.…
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Requirements for communication during a loan, where do I stand?
Hi All, I would be very grateful for some advice if I may ask. Back in 2006 my partner took out a renovation loan with the local council. Urgent work was needed on the house and was funded in part council grant and part loan from the council. The loan was secured as a charge on the Freehold of the property. The loan was…
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Postgraduate Student Loans + Coronavirus
Hi, I'm contemplating doing a master's degree for September 2020 entry. My university doesn't know whether or not there will be physical classes and a mixture of online classes, or if they will be totally online. I am deciding whether to attend or to defer. I'll need to apply for the Postgraduate loan to cover the course…
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Access to loan account information
Hi I've a couple of loans with Creation for SCS purchases, but since the end or May I (like many others it seems) have been having problems accessing my accounts online so I am unable to check my statements. I've jumped through their hoops to check my account, but it's definitely an issue with their systems. So I am…
