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Paying off TSB loan early
Hi, I've searched the board for advice on this but similar threads are a few years old so I wanted to try and get some up to date advice. I took out a 4 year car loan with TSB last summer, actually bought a cheaper car than I planned so was able to overpay some of it back almost immediately and have made another…
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I've consolidated all my debts into 2 loans. Need some opinions on my next steps
So I wasn't in crushing debt territory but I was well on my way. I've consolidated everything into 2 loans £5450 over a 7 year term with 28.5% APR minimum payment is £137.50 per month And £1500 over a 3 year term 16.2% APR minimum payment £54.35 per month. After 8 months I have the option to top up my loan and borrow more…
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Bounceback Loan Documents - Company Secretary
Hello, I have received an offer of a bounce back loan from the bank that I hold my Ltd Company account with. I am the sole director and employee. The loan agreement requires a signature from a company secretary as well as myself as director. It also requests confirmation that the motion to take on the loan was proposed and…
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Bank Of Ireland Loans..?
Hi All, I'm new here and after some advice if possible please... I'm after a loan to consolidate other debts and for myself to get a new work van. Carried out an eligibility check and only had one result due to the amount I think being £25k and over 7 years. This was being offered by Bank of Ireland and at 3.2%. I had a…
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Equity Release from Property
Hi, looking for some advice please.... I want to take out some equity of my house. I’m 46 years old. I do not have a mortgage and have no dependents. I am currently unemployed due to COVID. Can anyone advise my options? Am I able to take equity from my house? Thank you for your help in advance. have a fabulous day.
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Student Loans Pre -1998
I still owe Student Loans even though I finished Uni nearly 25 years ago. I have repaid some but not all as Ive never really earned a great amount. I took out the loans in the following years: 1994, 1995, 1996, 1997 (Aged 22 years old) Are these wiped out in 2022? (ie. 25 years) Any advice you can give me would be greatly…
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LOAN INTEREST RATE DIFFERS FROM ADVERTISED RATE
I have applied for two unsecured loans, one from Sainsbury's Bank, and one from the AA. Both the loans were advertised at 3.1% APR. I was offered a loan of the amount requested ( £12.5k) by both companies, but at 9.9% APR. I know that banks have to offer loans at the advertised rate to only 51% of successful applicants,…
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Moved: Keep getting this message
This discussion has been moved.
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Boiler breakdown disaster
I'm panic stricken! I had my boiler serviced this morning (or was supposed to ) and have ended up with a capped off boiler so no hot water or heating and a potential £2k bill to replace it. Needless to say I trust my heating engineer when he says it's karked it. I work part time, get tax credits and I am a carer for my mum…
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Student loan
Hi all looking for some guidance on securing a student loan to finance an OU course starting sept/Oct this year. When can I apply for student loans for 2021/22? I can’t see anything on the government website. Any guidance much appreciated.....!
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Loans companies access to online banking
Hi, I looked to apply for a loan with lendable through credit karma and they want access to my online banking for the next 3 months. Is this usual?
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Moved: Windows in property rental
This discussion has been moved.
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IND Ltd - Contact Details - Company Disappeared
Hello, not sure if this is the right place for this post so apologies if not - we have been repaying a debt to *spit* Welcome Finance via IND LTD by standing order for seven years now - it suddenly occurred to me the debt must be nearly satisfied by now, so I’ve been trying to contact IND by phone and email - all emails…
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Moved: Moorcroft contact request
This discussion has been moved.
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Strange Lloyds Bounceback Loan activity - account closed? Help!
So this has been quite the ordeal but I'll try to summarise as much as possible. My business has definitely been adversely affected by COVID-19 but until recently I'd been OK with the SEISS payments and so on. In early January I decided to look into a BBL and chose Lloyds as I bank with Halifax. I opened a Loan Servicing…
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M & S Loan
Hi, I've applied for a M & S loan and at the end it said loan application approved. Does this mean I've actually got the loan? Thanks
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Zoyo Loans - How are they seen by the HSL?
Hi everyone, I'm in a position (like many) where prior commitments are now unmanageable due to a change in income. This could be a mid-term thing and I don't want to find myself in trouble. I am looking to consolidate current credit card debt, to bring down the monthly payments. I am savvy about this and yes I do…
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Someone owes me money
Hello, I live in England and someone in Scotland owes me money. It has been over a year and this person does not feel like returning. I would like to get it back via online court claim. Do I fill out english or scottish form? Thank you in advance.
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Should i invest or give it back?
Hi all, I managed to get a personal loan of £19k over 6 years, 7% interest. I was planning on using this money to buy some land abroad but this has fallen through. Im wondering if its worth keeping this money and investing it as i think i could make some decent returns and i can afford the monthly payments in the meantime,…
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Claim for car loan guarantor termination?
Hi all, I'm new here so hopefully posting in the right forum :) 11 years ago my partner stood as guarantor for a car loan for a close relative of his. He was a young man at the time and didn't understand what being a guarantor entailed, he even explicitly asked the salesman "so I won't be liable if my relative misses the…
