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Old student loan settlement offer - is this right?
Hi all, I have an old-school student loan where the loan is written off 25 years after the first payment of the last loan is made. I graduated in 2000 therefore the first payment of that loan was 1999 and thus 2024 is the write off date. I started qualifying for repayment three years ago and have received a letter this…
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Eos solutions
Hi all, first time poster but lint time reader, I just wanted to share with you what happened yesterday when I got back from work. I got the mail and one of these letters was from a company called eos solutions who were demanding £759 from a welcome finance debt which i know was fully paid back. This debt was paid off…
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Amigo redress
Hi, Amigo are supposed to be refunding me after I was successful in getting a redress as a guarantor they said it would take 35 working days but the 35 days was up yesterday ( Wednesday) and no refund, I contacted Amigo today saying they would chase up the redress department, has anyone else gone though Amigo directly and…
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Does a Payment Holiday on a loan impact a new loan or car finance application?
Hi all, Apologies in advance of a massive starter thread but one thing I have seen in numerous threads is lack of information and then drib/drabs flowing in throughout making it messy. If you prefer going straight to the query, go down to "The question really is" Background Checks: CRAs are all good aside from showing a no…
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Student loan - yes or no?
Hi Backstory: I enrolled onto the final year of my degree as a 'mature student' on a part-time basis over 2 years in September this year. I've gone down to a 3 day working week to accommodate this but there is now a very high chance I will be made redundant in January. I think I will struggle to find another job that will…
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Need a "complicated loan?
Mum divorced my Dad, might take years for their hotel to sell, my Mum now living with me. I plan to sell my house and flat and buy a bigger house for us all. Could do with a extra 50k and instantly payback once hotel sells so in effect loan against 50% share of my Mum's hotel, I'm guessing loans don't get this complicated…
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Vida mortgage
Does anyone have any success story’s from Vida homeloans, I’m currently waiting to hear on an application that was submitted almost a month ago, in the meantime I’ve been reading reviews and I’m starting to get very worried about if I will even get my mortgage accepted. To make matters worse I’ve reserved a new build…
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Amigo Loan Complaint
Hi, I have a complaint with amigo currently with regards to irresponsible lending on a handful or so loans I’ve had with them. I still haven’t had a final response now 20 weeks later and it seems they’re fully burying their heads in the sand and all the complaints team do when I call is firefight from there side and give…
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refused loan
Anybody got any ideas??? I have just applied for a personal loan and been refused credit for the first time in my life!! both with Tesco bank who I have a credit card with and pay the balance off monthly and with Santander who I have 2 bank accounts with, both which are in credit. I have a top notch credit rating, never…
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Freeze interest on car finance loan payback
I took out high interest car finance almost 2 years ago. At the time I was able to pay it back. This year my circumstances have changed and I cannot afford to pay back the loan. They have told me that they can sell the car for me and take that amount off the final invoice. After reading the small print, it looks as though…
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Settlmnt figure
Can you ask the bank for a settlement balance if intent on paying of the sum right away than over x amount of times? I have a loan with Tesco rather than agreed £340 Iam snking in total£800-£900 per month to clear it. They send letters as an adjustment for the interest and so drops the balance more. I was doing it daily…
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will getting a personal loan stop universal creidt?
I need to take out a personal loan and can do so as I'm working. However, I also claim universal credit as i have a low income. I need to pay legal representation fees for a private case that is harrowing and I can't possibly face alone without legal counsel, however it is estimated to cost around £17k. If i get accepted…
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Should I take out a bank loan?
I'm not very savvy when it comes to money and am trying to make the best choice possible as I'm moving house in the next 3-5 weeks and my mortgage is going to be almost 3 times what I am currently paying. My wife and I both bought cars on finance in the last 12 months. Mine is being repaid over 5 years and I've just paid…
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Chasing loan debt after 14 years
14 years ago I defaulted on a loan with LLoyds - they sold it over (now for at least the 4th time)-- up until Covid I was paying the minimum repayment with no end in sight (would still take another 15 years for me to pay at this rate) and no extra cash fo pay more. I've had it on hold while I've been furloughed but they…
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Bridging Loan
Can anyone recommend a broker / company specialising in bridging loans? Has anyone experience of Kisbridgingloans.co.uk?Many thanks
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Personal loan shortly after buying house
Hi all, Myself and partner are shortly due to complete on a house, with our lender being Nationwide. We wanted to wait until completion before purchasing a car. We are looking at getting a personal loan of £13.5k, and put in all our details to get a "quote" on the Nationwide site for the loan as well. It said prior to…
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student loan after 20 years??
hi, i graduated in 2001. Ive never earned enough to pay off my student loan up until now. Ive just started a full time position earning £21000 (but this only began in september 2020 and i was working part-time before then. Ive had a £158 student loan reduction already. I hadn't anticipated the deduction to be so much, so…
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Any advice on APR please
Hi, I took a loan out with my bank. At the time the APR was around 10% and the length was 5 years. I was advised at the time that the Apr is very likely to be lower soon, and I could then switch. I have been very careful to not gain extra credit, and after 2 years of repayments, no offer has happened. I have called to…
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A former friend never paid me back
In February, a former friend asked me to pick something up for her. She was only gonna pay for the PJ’s and not the travel. Months later, she said she would use the money she owed me to give me gifts instead. Now we are no longer friends, I think she should pay back for the pjs and the travel. If she refuses to pay me…
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TSB Loan
TSB advertising loans for 2.8% up to 25K When I go to apply the first bit is a quote bit. For this I enter 23K and 4 years. This meets the criteria advertised on their site but at quote stage 9.9% is appearing. Why is this? Id expect 2.8% to appear. I'll contact them tomorrow too.
