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BW Legal & Perfect Home
Hello everyone, I currently have BW Legal sniffing round me again. Apparently I owe in excess of £2000 pounds to Perfect Home. My circumstances is that I left my ex relationship that had this account. The Account was in my name but I left the items in the home (wrong I know) but I didn't want to leave my children with…
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'97 (Mortgage Style) Student Loan nearly expired, but may need to start paying it back
Hello all. I wondering what happens if you start paying back a student loan near the end of the 25 year expiry period. Do you pay it back in full, or only until the loan expires. I graduated in 2000, and have never so far exceeded the deferment threshold, but may be close this and following years. So I'm wondering if I…
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Cash poor, asset rich and in need of short term finance of around £5k
Hi all I wondered if anybody can give me a bit of advice. Because of Covid I have basically run out of cash before my house was sold. I have now exchanged contracts but the bank are not prepared to offer me an overdraft. There is several hundred thousand of equity in the house and I just need a short term loan to get me…
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Car finance
Hi all, Is there any finance eligibility sites out there? Just want to see what I can get ore approved for and to see how much I can get etc. thanks LL
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Business Loans (bounce back) - will it show on credit report if defaulted?
Hi - I'm a director in a company and received a bounce back loan. As I am in the UK under a spouse visa with a renewal due every 2.5 years I want to know in the event the business fails or I default on the bounce back loan will that show up on a credit check the home office carries out ? Is there anyway I can check this…
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Audi Car Finance Approval
Hi, I am starting a new job in September (currently a band 6 nurse) and for this job I need a car. With this job I get a car allowance of £500pm. I have wanted an A1 for ages so I test drove a 2016 A1 at the weekend and put 1k deposit down for it. I plan to put a further 1k down. I gave all my details for the finance on…
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Erudio deferment criteria
My daughter has pre 1998 student loans, has lived in Australia since 2006 and is now an Australian citizen. I have managed her deferment applications since then. Those applications have always included her Australian income [below the threshold] and the rental losses of her UK house in which she is trapped by a…
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Scammers
I had an email today from (wingsfinance12@gmail.com) Going by the name of BOLT Finace Offering me a loan for £1000 which Apparently I'd looked into (I havent). I decided to reply asking for more information. They replied with a badly drawn up contract which could easily of fooled someone vulnerable asking me to pay £25…
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Loan rejected
I used the Experian credit score checker to see what loan I could get. Credit score shows 999/999 and 90% chance of getting loan with TSB. Applied and was rejected saying that the credit report said no loan available. I want to borrow 20k to pay off existing car loan and use balance to buy replacement car. Now worried to…
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Unsure how to get funding
I am currently 17 but will be 18 when my course starts, in September I will be attending 2 colleges studying 2 separate courses one I will have to pay for and the other I will not. The course I will have to pay for is a level 3 CIPD certificate course (£1265) they usually take people on who are 19+ however they let me…
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Flexible loans - do they exist?
Hi all, hope you're having a good day. I might be after a flexible loan, i.e. one where I can make overpayments with no penalty - a bit like a credit card but without the high interest. I recall the Co-Op did them many years ago, but I can't find what I want. Any suggestions?
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Bluestone mortgages
Hi. Does anyone have any experience with Bluestone mortgages? Our buyers have had a DIP with them and it’s being assessed now but we’ve had an offer from someone else for our house and don’t want to lose the house we’ve got everything in place for! Wondered what the processing times are like for Bluestone and whether after…
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Loan eligibility checker
Can anyone advise why i would be showing as 0% chance of getting a loan on the eligibility checker? Have tried with mine and partners details. Both decent earners, excellent credit scores, low outgoing for mortgage. All lenders show as 0%chance. Thanks in advance.
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car dealership altered amount of finance I applied for without my permission
Hello everyone. I am new here so apologies if I am posting in the wrong place. I was going to buy a secondhand motorcycle from a well-known dealership in London. I initially applied for a loan of 4250 and 2 days later received an email from the dealership informing me that the finance application had been put through to…
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Any advice would be great
I am not sure I am doing this right or even if anyone will be able to see it, my first time on here and have only just joined but felt I needed help on this matter. Have lived in my property for over 3 years now and over the years have been getting the last persons mail,no forwarding address so a few times we have opened…
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Car refinancing
I have a car purchaed on finance (HPA) with optional end of agreement purchase/balloon payment at an interest rate of 9.9% over 60 months. My credit rating has improved since I purchased a year ago and I am keen to see if I can get finance for a lower interest rate. Is it worth looking into this? Does anyone have…
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Nemo secured loan
I have a secured loan with Nemo finance, borrowing £40k to consolidate existing debt. I've been repaying £460 per month for 5 years (approx £25k repaid thus far). I am now looking to pay off the loan in full, the settlement figure is still over £40k. How can that be? The loan will cost me £25k for 5 years of borrowing. Is…
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Quick Money
Can anyone recommend a site / company to get a secured loan quickly? I have too many outgoings to get a normal loan but our house if full of equity. Many thanks, Mandy.
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Buying a well established business
Hi all, im looking to buy a well established business, it’s been going over 40 years. I was just wondering where the best place would be to go and borrow £30k at the best rate over a long term?? Thankyou
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PCP Car Finance
Covid 19 has resulted in serious financial changes, my Mercedes PCP finance agreement is causing great concern, have written to Mercedes three times for options but nothing really helps. Any help on this will be greatly appreciated.
