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Very large deposit car finance, poor credit rating
Hi guys, Im looking to purchase a £45,000 car (HP). However, I have very poor credit rating (3 recent defaults). Long story short, ex girlfriend maxed out my credit credit (£1200) and also taken out a loan of £1600 in my name. Both I wasn’t aware of hence the break up. Long story which I’m not really wanting to get into. 2…
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Lloyd’s banks personal loan
i have asked for an early settlement quote, they want £100 MORE than my actual remaining balance!? How is this helpful and ‘caring’ and ‘by my side!’ as their adverts promote!? Have sold my van to clear debt, loan credit card etc, and they not prepared to reduce the 800£ interest just a little bit? Even as a gesture!? Am…
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How to clear this Simply Be debt?
Hey all new to the board and after some help please. I’ve been a bit daft and got myself up to a three grand credit limit on Simply Be (I know, I know). My current balance is £2728 and I am making monthly payments of anything between £110 - £150, however, they are of course charging me interest of £100 pcm and despite not…
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Alternative doctoral loans
Sadly, I was rejected by the Student Finance Loan Company, only 3 weeks before the start of my PhD. I am currently unemployed, which makes the situation even harder. I have been researching alternative doctoral loans and came across many that have ridiculous interest fees (e.g. Future Finance). I am now looking into…
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Loan approval based on quarterly commission
Hi I’m struggling to find lender to approve a £40k loan as I am on a quarterly commission salary. Even though I can afford it. Does anyone know lenders still helping the likes of us please? Thanks
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Increasing overdraft limit - help
Hello, I was wondering if somebody could help me. I have a bank account with HSBC (been with them for 5 years now) and my overdraft limit is £1,000. I would like to increase it to £2,000 ideally within the next couple of days. My problem is that I moved to a different city and I’m starting a new job on Monday. When I tried…
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Credit Union apr
Hi all, has anyone experience/knowledge of loaning from a credit union? I've been a member for around 5 years, saving what I can against unexpected bills. I've recently had to spend all my small savings on car repairs and still need about £500-600 work done. When I used the credit union loan calculator to loan £600 over 12…
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University loan - help me
Hi,I’m not sure if anyone can help but I have an enquiry about university, with covid getting worse across the world and within the UK, most of our lessons are online with little physical studio time, or none at all and I’m just curious as to whether there’s anything can be done in terms of compensation. We’re paying £9k a…
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Student loans
Forgive me this not a strong point of mine so I may be a bit slow on the uptake! My son has 26K of student debt to pay off (didn't even complete his degree....). He is an estate agent (sorry) so his basic salalry is low but the commission is sometimes quite high so some months he's really hammered with the student loan.…
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Rewrite loan
I had a 6 month payment hoilday with nationwide Now they offered to rewrite a new loan and old one will show as settled or continue with new one They said settled shows on credit file as if it’s paid of then show new one, does settled look bad My total areas is 2000, because 709 before and rest during payment hoilday not…
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Lendable pre approved.
Is Lendable u.k. recommended , reviews seem fine. Quite astonished I have 1k loan 100% pre approved on clear score + Lendable site. 14.4-16% apr dependent on term 2 or 3 years. Any mser' use Lenadable. t.i.a.
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Paying off car finance
Good evening i am after some help i currently owe £15003 on my car my contracted payments are £340 but i am paying £400 a month at the moment i am trying to pay it off as quick as possible with weekly overpayments my apr is 35% can someone help me work out how much interest i will save making these overpayments.
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Best Way to Borrow Against a Property with No Mortgage to Buy a New Property
Hi,If I was to receive a property as a gift (paying capital gains tax) which I own outright, what would be the best way to borrow using this property to purchase a new property?Say I have a £125K property and I wish to buy another property for £95k quickly, what is the best way to borrow which allows me to buy the new…
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Consolidation.. Best apr possible
Hello I'm looking for some advice on consolidating a loan and a credit card. I have a Santander Consumer finance agreement running that costs me £252 per month there is £10800 left owing and it's on 13.9apr. I had a problem with my car and ended up having to put £3600 on a credit card I had kept for emergencys it's…
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Joint loan or two separate loans?
Hi all, we are wanting to get a loan in order to do some home improvements. We are hoping to apply for £25k however would it be more beneficial to apply for two separate loans (one loan each) for half the amount? Are banks giving loans for this much atm? We both have good credit scores and earn the same money so have no…
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Swiftsterling Redress Claim
I recently submitted a redress claim against Swiftsterling in relation to unaffordable lending. Having not received a promised update by the 2nd of October I checked their online portal to find that information regarding my claim is no longer available to view and that their FAQs section is missing. Has anyone else…
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Bank loan
What happens to a bank loan after you die but have no assets
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Unable to consolidate debt
Hi, I’ve not been the smartest with my finances for a while... well, ever, and now I’m in a position where I have accrued £20k debt on 5 credit cards, and a 5k overdraft on my current account. I’m managing to make the minimal monthly repayments, but obviously this isn’t ideal and I’d like to consolidate and make some real…
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Guarantor after death of borrower. (Affordability)
Hello,When I was 18, someone I knew passed away and left me £35,000 in his Will.A family member (my cousin) then asked me if I could be his Guarantor. I accepted. This person topped up the loan up to £50,000. Sadly, my family member also passed away when he still needed to pay £44,000.The loan was from Amigo Loan. It was a…
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Increasing overdraft limit - help
Hello, I was wondering if somebody could help me. I have a bank account with HSBC (been with them for 5 years now) and my overdraft limit is £1,000. I would like to increase it to £2,000 ideally within the next couple of days. My problem is that I moved to a different city and I’m starting a new job on Monday. When I tried…
