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Car financing while on IVA
This discussion was created from comments split from: High car loan interest rate.
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Family Loan
I leant a family member some money a while ago and they have made regular payments back for over 2yrs but still owe over £1000. Over the weekend we have had a family fall out. If they stop paying the money back is the money lost or can I do anything legally?
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Report and repay the loan charge- BUT I HAVE NOT EVADED TAX?!
Hello all, The letter says that I have to complete a tax return from April 18-19. I have just looked through all the payslips from the agency I used to work for and the bank statements. They all match and there does not seem to be any dodgy activity so it seems that I HAVE indeed paid all of my taxes and not evading. When…
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How can I get a loan when my credit rating is affected by my credit card debt?
Hi, I have received no support/help from banks, government, council grants etc! I have applied for a BBL got refused and appealed, not heard anything back yet. I tried to apply for a loan today via my bank, which has a 3.3% interest, refused. I am not bankrupt. Never have been. Own my house. Self employed. Been adversely…
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Amigo redress
Hi i made a complaint as a guarantor to Amigo and had this email and just need to know where do I stand now as the guarantor “ Amigo is prepared to offer you redress in respect of the loan agreement shown in the appendix. The redress will consist of:* The removal of your liability for the loan agreement; * The removal of…
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Joint loan
I’m looking to take out a joint loan with my husband to clear both of our credit card debit, but if, in the future, after the loan has been cleared, will our credit history still be linked? If my current individual credit rating is better than his, should I keep it separate? Are we better off have two individual loans,…
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Great credit BUT!.
Right I've recently payed off all my loans and car finance so now I'm completely debt free, also I have never missed a payment in my life and my credit score is 969, I'm self-employed but earn on average 42k a year and my fiance earns about 10k. I applied for a 12k loan to upgrade mine and my fiance's car and yet I've been…
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Should I pay back the Bounce Back Loan?
I applied Bounce Back Loan in May because we shut down a few branches and re-structured the business to more online sales. When I apply the BBL, I thought the process can take ages, but I received the fund very quick. Now, I feel my business is much safer and the online sales performed very strong. And I actually never use…
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paying off loan early
I generally use a personal loan rather than car finance for buying cars, up to now i've kept the car for the length of the loan and then started the process again, gradually upgrading the car. i've got rid of the current car early this time so i've got an outstanding amount on my current loan. In terms of credit rating, am…
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High car loan interest rate
Hi all just been having a chat with my son, just chit chat and we got onto the subject somehow of his car loan, as he seems to be paying a lot for his car, now i may be wrong but i thought there was a maximum rate that could be charged, and i have got usury in my head, he is being charged 39.4%. On a £5800 loan he is…
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Tesco bank loan - best way to overpay?
Hi all, I have a Tesco Bank loan (approx 3%) with just under 5 years to run, owing just under £10k which I would now like to start overpaying. It was a front-loaded interest loan with just over £2000 added at the start in 2017 (£15k loan became £17000ish). Do I get a better interest rate rebate by overpaying £2,400 in one…
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Another Amigo Loans Question
Hi, Last month my mother in law died. She was in the process of claiming against amigo loans - she had stood as guarantor for my sister in law on a number of loans. We only found out about this a few months before her death. It transpires that my sister in law had left her mum to foot the bills. I think the basis of her…
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santander loan application
I made a loan application for a car purchase to santander, which was confirmed and was told I would be contacted within 2 working days. I have heard nothing since. I have searched their website and confirmation email but cannot find any way to contact them. Any ideas please
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Moved: PROVIDENT VANQUIS LOWELLS
This discussion has been moved.
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AA early settlement differing figures
Hi have a loan from the AA and applied online for a top up loan and was given a settlement figure. I didn’t go through with the top up as I couldn’t extend the term of loan from 30mths to 5 years. It was agreed in principle with a reference number on 7/9/2020 and was on hold. Called them on 8/9/2020 to check figure for…
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Postgraduate Funding - is there any other funding available to me?
Hi there, I have recently been made redundant and have successfully
secured a place for a 12 month postgraduate degree. It’s been 10 years + since I have been back, and I have two
young children that I still would need to pay for childcare. My question is: Is
there any other funding available to me on top of the…
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unregulated hire agreement
hi all, been offered re finance agreement by nationwide corporate finance to save a management fee they charge every 6 months seems to good to be true? any had same offer
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Amigo loans urgent help
Hi all really hoping someone can help. I had 4 amigo loans, 3 were top up loans. I put in a complaint for irresponsible lending due to affordability and not doing substantial checks such as wage slips bank statements etc on the top up loans. I also put in a subject access request. Within 3 weeks (so before the deadline for…
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Credit Club oddity
After getting my latest invitation from the MSE Credit Club to check my score, I was curious to see if finishing my mortgage had had any effect on my score. After viewing the result I was further interested to see my loan availability and was shocked to see I had 0% chance of a loan from Cahoot. Odd thing is, I've just got…
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Student Loan - Should I repay it?
I am in probably a unique situation.. I currently have just over £2,000 left on my student loan. I currently pay £153.00 a month to repay it which means I will have paid it off in just around 13 months. I am planning to buy a house, is it advisable that I just clear my student loan balance to increase my affordability?
