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Extending the loan period
Hi guys. I have a £15k loan I took a year ago over 5 yrs and am looking to get the payments down. The current settlement figure is £12k. I did a soft search on here and got quoted an 80% likelihood of acceptance for a loan but the application got declined. I don't want a flurry of applications on my credit record. I'm just…
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Secured Loan after Mortgage
Hi everyone☺️I wonder if someone could help me please... is there a general length of time as to how long you need to wait before applying for a secured loan after a mortgage offer/completion? For an example; due to complete on a house on 1st October. Application for secured loan on 5th October? Is this possible or is…
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Loan and Overdraft Credit checks
Loan and overdraft Applying for a loan and I just wondered when I am credit checked (955 Experian) do they look at my bank details etc on that exact day, or is it based on a date from the previous month? Only reason is I’m in and out of my overdraft so trying to work out best time to apply.
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Foster carers allowance
I applied for a loan to buy a car with John Lewis Finance and I was advised that my income as a Foster Carer was no longer counted as an income and I could not get a loan. Is there a loan company that will take fostering allowance? I gave up my full time job to do this vocational career but I really need a car to be able…
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Money shop/CRS
Hi all, I wondered if anyone had experienced anything similar to me. I recently visited my mums house for the first time in probably nearly a year due to the virus and found stacks of mail from Credit Resource Solutions saying I owe £219 for an old money shop loan. The loan is from 2012 i think, my last payment was in mid…
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Loan application
I am applying for a loan to cover a final balloon payment on a pcp car finance deal. Do i need to declare the outstanding pcp balance on the loan application even though the loan will effectively be cancelling it out?
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Loan or PCP- credit check and fixed APR question
I would be really grateful for some advice, please. I am having to part-exchange my 3 year old Land Rover from diesel to petrol hybrid (long story). Normally I would keep my car for a good 6 or 7 years and buy outright but it has not been possible this time. I have been pre-approved for a bank loan which should cover me to…
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Student loans for Brits living in France 2021
My two daughters wish to study in the UK when they complete their secondary school education. Eldest daughter will start university in 2021 and youngest in 2023. They both have British and Republic of Ireland passports as I am from Northern Ireland and their Dad is from Kent. My husband's job meant that we relocated to…
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stopping payment on interest free loan
deltadog said:
we have a £2700 3 piece leather suite from DFS we are having problems with getting satisfactory repairs done ,or replacement arm chairs under the sale of goods act. The suite is on an interest free loan ,would it be acceptable to stop payments until satisfactory outcome ?deltadog
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Bolt finances
Does anybody know about this comoany
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Agreed to be a guarantor when under required age - Amigo Loans
So my daughter agreed to be the guarantor for her boyfriend when she was just 20 years old, on the Amigo website it says that guarantors should be aged between 23 and 75. She split up with her boyfriend about a year ago and he has since missed payments which she has covered, however his missed payments are now becoming…
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Car loan
ive got a car loan but my head gasket has gone on the car. Where do i stand if i was to sell the car. Im getting no answer from the loan company or the car garage i brought it from. Ive not even had the car 2years but seem to of had nothing but problems with it
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Personal loans after mortgage
Hi there, I am a new home owner, bought it 2 months ago, I need a personal loan,(6k), Ihave my mortgage with Halifax, I talked to them, they say we advice customers to wait 4-6 month before they apply for any credit, my question is that can I try somewhere else, or is the same everywhere, you have to wait some months,…
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Amigo settlement
Hi all,looking for a bit of advice. Having read about reclaiming from amigo I filled in the resolver form last week and got a reply today. 1 upheld and one defended. My question is they are defending the bigger loan which was a top up with a bigger monthly payment and upholding the original loan even though my financial…
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Take out full personal loan or half/3 quarters?
hi, just wondering if i'm thinking straight: basically say i get a loan out of £20k (the max given) and I only need £15k. is it better to take the full loan of £20k and use the £15k, whilst saving/setting aside the extra £5k for emergency use (not using it to repay loan back monthly) but of course the higher loan amount…
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MIS-SOLD LOAN??! 😡
Hi, my Mum has recently died and I'm the executor for her estate. Long story short - she hasn't managed her affairs well over the years and I have now discovered that she took out an unsecured loan 11 years ago that she defaulted on. She still owes more than 75% of the original loan and the debt is held by a debt…
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Buying new furniture - cash or "interest free"?
Having moved house a year ago we've held of buying new furniture until we sold the previous house (were lucky enough to /just/ manage to buy without having to sell immediately which means we got the house we wanted). We're now lucky enough to have sold it so am now on the lookout for furniture but I can't help wondering if…
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Advice needed
Hi all I need to raise some money to pay some bills and was hoping to try and secure a short term loan against my late Mums house, on which i have just accepted an offer and expect to complete on in the next two months, where I would pay the loan off in full. Unfortunately, my current financial situation isnt…
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AA Loans - I'm so confused
Morning All, First time posting & just wondering if anyone could give me some advice. I applied for an AA loan on Monday 31st August (bank holiday). Completed the app online, came back with an instant offer & electronically signed the loan agreement. I received an email to say I should receive the funds within 2 working…
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Buy now pay later Deferred payment
Advice please....following a sales rep’s visit to my home on the 15 th June, whereby I entered into an agreement to purchase a new conservatory roof on a 12 month buy now pay later arrangement. This was agreed with the lender/bank on the same day by phone which the sales rep arranged. The agreed start date for the works…
