-
Affordability Complaint
If you have seen my other thread about which loan to pay off, then you will know I have 4 outstanding pay day/short term loans and 2 longer term (guaranteed) loans. I originally sort advice as to which to pay off first and at present due to some being fully paid anyway, others being paid off early, once I am paid this…
-
Secured loans
Hi I jointly own a property with my ex husband (seperated for 3 years). I know he has severe financial difficulties. Can he take a secured loan out against my property without me knowing and is there a way of me checking if he has?
-
Secured loan on flat already - Valuation charges .in relation to change of deeds and renovation
I have a secured loan of 45k . My flat has been valued between 250/300 k over the last 10 years . I have a third share of the freehold with 2 other flats that make up the house that I live in . The House has a basement which the freehold owners are selling to a developer it will mean they we have to change the deeds . In…
-
Car finance charges
Hi, I hope someone will be able to help. Back in 2019 I needed to change my direct debit date on my car finance because of change in circumstance. They told me there will be a monthly charge of £12 because of this. So I have been paying an extra £12 every month on top of my finance. My question is ‘ can they do this?’ Can…
-
Personal Loan Repayment
Hi All, Some advice if I may, I upgraded the windows at home at the end of 2019 which were installed in early 2020. Having only moved in shortly before that I didn't want to use savings and have a limited cash flow for other requirements. So I took out a 96-month finance agreement with the intention of repaying that early.…
-
Pending finance decision
Hi. I recently applied for finance for a item worth around £1500.It’s been over a week now since that application was referred with Hitachi and I haven’t heard anything. On the website I am buying the item from its says it usually takes 1-2 days for them to make a decision on referred applications so I gave them a call…
-
Expenses affecting loan/remortgage
hi all, can anyone advise... we are looking to finance renovations and were thinking of remortgaging to do so. However, I have needed to rent a property in my name for my father to live in temporarily. My father pays for this by giving me the money each month. This arrangement will end in six months time. Question: would…
-
Loan to a friend
Would really appreciate some advice... After researching all the potential problems that can arise from loaning money to a friend, I decided to loan money to a friend to open a shop. She never asked for the money but having seen her entrepreneurial spirit and how she had set up her own catering business with little…
-
MYJAR Loan has vanished from my account, can't repay
Several years ago I fell into the payday loan trap. I eventually ended up too deep and unable to pay. I spent most of COVID clearing old debts. I had an outstanding MYJAR loan that hasn't been marked as defaulted. In fact it doesn't appear on any of my credit files at all. I made a few small payments to it last year just…
-
Additional payments taken....
To anyone that can help... A few years ago I was in a desperate situation with several loans / credit cards coupled with a divorce, so yes I was desperate. I went to my bank to consolidate all the debt into a single loan. The total was £20,500 and I was offered a deal of 12% APR over 97 months. With no other option I took…
-
Leasing for Student ?
Is it possible for my son who is a student and works part-time as a carer to get a small car on lease or is it either impossible or too expensive. He has to travel sometimes an hour to a client so buses etc are very difficult. Taxis are working out very expensive. He doesnt want to give up the job as he enjoys it so much.…
-
Loan vs Credit Card vs OD vs Other ?
Im looking for 2 types of different credit and want people opinions on the best options please #1 £25-£40K over 12-24 months. I dont know the exact amount yet and whether I'Il pay in back in a year or a little longer. Barclays will loan up to £50K at 5.9%, other banks seem to stop at £25K. Barclays charge 30 days interest…
-
Struggling to get a loan at a good rate
I was doing okay at end of last year and beginning of this year when applying for loans across the board. But Now I believe covid impact has caught up with lenders and now the same loans arent available to me. perfect credit history and score as confirmed by all CRAs and independent credit specialists from a variety of…
-
Amigo Loan Help
Hi, I was a guarantor for a loan for a then friend, he defaulted and it was left for me to pay. At the time I was not in a position to pay the normal repayments so I defaulted, Amigo added a CCJ to my house that if sold they would recoup their money and I agreed a very small monthly repayment (£20) with a debt recovery…
-
Paying back student loan- High earner
I studied veterinary nursing at university, knowing that as a veterinary nurse, I would never earn enough to pay back my student loan. I never concerned myself with the finances or the interest etc as I knew it would be written off before I paid it off. 3 years after, I have realised that veterinary nursing is not for me,…
-
Personal loan for £35k best to split it ?
hello , we're looking to get a large extention & new kitchen . We have savings but will need to find an extra £35k and are looking to pay it back over 5 years. We are both working with our mortgage paid off a couple of years ago. We have reasonaly low outgoings ,no other finance, good credit scores and can afford the…
