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Wonga and DMP - payment returned
I currently have a DMP due to end next month - finally. One debt I had on there was for Wonga - I have since received a refund from them, however Clearscore is showing an outstanding/default debt to them of £53.00. I have updated my DMP to reflect this and the payment has been returned from Wonga on numerous occasions and…
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Student Loans Pre-1998
Hi all, I've just found out that the pre-1998 student loan threshold for 2020/2021 has DECREASED by around £2000. I took my last loan out in 1997 and my loan is almost at the point of being written off. As far as I recall for the past 23 years the threshold has always risen not decreased so does anyone know why this year…
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Pre 1998 Student Loans - have the SLC/Government changed the 25 year rule?
I began University in 1997 and graduated in 2000. I understood that when I took out the 3 loans then they would be written off after 25 years (so 2024) and that is what MSE website seems to suggest too. However, if you look at the SLC/UK Government website it makes no mention of the 25 year rule for pre 1998 loans and says…
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Will I have to start repaying my doctoral loan before I graduate? And for 37 years, not 30?
I took out a doctoral loan for my master's course which I graduated from last year. I am now working (earning £40-50k per year) so am repaying the loan, however I am also doing a part-time PhD and taking out a loan for this, which is added to the same balance. In theory, repayments should start for the PhD borrowing from…
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Virgin money loan online process
Frustrated as not sure what’s happening! I started a loan application and got all the way to the point of submission for a decision, pressed the button and it appeared to crash, telling me to try again later. I then got an email with loan agreement attached... so presume I have been accepted? However no instructions on how…
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Loan eligibility results... thoughts/advice please!
Soft search eligibility giving guaranteed loan at 9%, or 95% likelihood of acceptance on a couple of others from 2.9% (rate not guaranteed so could be higher).., If I try for the lower rate one and either don’t get accepted, or get offered a poor interest rate, this is going to leave a hard search and potentially mean I…
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Family member taken out phone contract in my name and not paid it
Hi all, I've recently received a letter and relentless phone calls from a debt collection agency regarding a fee I knew nothing about. After getting in touch with them via email I was told that it was for a GiffGaff account opened back in 2015 in my name that hasn't been paid since and I am not expected to pay over £100. I…
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Sunny loans administration
Hi there I’m aware of sunny loans going into administration. I had several loans which based on the FCA would more than likely have been classified as unaffordable. Im wondering if I make a complaint ther I can look to have these removed from my credit file? I have no interest in getting the money back since they are in…
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Bensons for beds interest free credit question
Can i just grab some advice pleaseWe ordered a bed on the 20th June and left a deposit on a debit card for £368 pound and had the bed on 3 years interest free finance.Delivery was meant to be on the 24th Aug then goto moved to the 28th Aug now moved again to the 5th October.Given the nature of benson and harverys, what…
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VW auctioned off my car in 2017...should they have paid me the surplus money?
Clearing up my situation the last week or so. Had debts all over the place, they've actually come down alot. Anyway I have found old paperwork and emails to match. My car was purchased on HP. I paid over half of the agreement then losing my 75k a year job meant this car had to go and i bought a "banger". It defaulted then…
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Incorrectly taken direct debit
Apologies in advance for the wordy post ( i hope it is eventually clear and makes sense). Plus i hope its in the correct thread, if not im sure the mdoerators can help move it. I have a loan with AA. it was always collected on 4th of the month, I guess as i initially eceived it on 4th of the month. However earlier this…
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Student Loans Maturity Date
Having received a settlement offer from student loans, they have brought up something new. Apparently, the loan is set to "mature" on 28/03/2024. Currently, the loan is deferred due to income being too low to pay it. It suggests that on this date, regardless the whole amount would need to be paid back. This also suggests…
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Rejected from amazon and tesco credit cards applications. And now?
Hi everyone. In order to build my credit history, I tried to obtain a credit card, and I had a look at this link suggested by a user from this forum. https://www.moneysavingexpert.com/credit-cards/bad-credit-credit-cards/?_ga=2.84814233.1000296080.1598504265-25808794.1598504265 I applied to the tesco one (according to the…
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Can
So I last year I took out a personal loan to help pay off previous credit card debts. The personal loan debt is now at £8,223 I have always paid on time and have been doing so the last 12 months, however my interest rate is 14.2% which means that whenever I pay the minimum £198.80 per month with the extra odd £100 added…
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Student loan
If you are an EU citizen with a settlement status, not a British citizenship yet though will you qualify for a student loan in Wales after moving from England or you have to live in Wales for 3 years to get it? The same question for Scotland.
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Interest rates
o on site quoted 2.8% with 62% success applied and quoted 14.4% why the huge difference
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Best route?
Hi folks I lost my job in March and have been unemployed since. The company and industry I worked in was a niche market selling a brand name to the uk. They have stopped selling this product which has left a gap in the uk. I want to set up a company but need the initial investment to purchase the product. My issue is we…
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APR confusion
Hi everyone, I applied for a £5000 loan this morning for home improvements, and using the legibility calculator on mse I had a 95% chance of a loan from the Bank of Ireland (boi) and a 100% chance of a loan from someone else, but with a 14% Apr rate. Boi was from 4.3%. Naturally I applied for the boi one and it's been…
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Lendable - payday loans?
My husband took out a loan from lendable last year, all fine and we've managed to pay it off in full & early. We enquired about a mortgage with someone at Barclays who looked at our credit files - they've said we can't get any credit for 12 months as Lendable are classed as high rate loans... and described them as a payday…
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The money shop claims form
So a good couple of years ago i had a payday off the money shop regularly each month as couldn’t live without renewing some how must of paid back been that long cant remember but a few weeks ago received a letter saying owed money back so signed up to the money shop home portal had nothing to lose now ive received a email…
