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secured loan through mortgage company or other?
I need to borrow around 10k but I already have one unsecured loan so I was thinking the best would be to look at a secured loan. Would it be better to approach my mortgage company (Clydesdale) to borrow more on my mortgage as I currently have over 70k in equity or should I search for a better deal on the site for a secured…
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directors loan account
Hi, i have a directors loan account an between me and my accountant £4,700 of credits were missed and not included in the year end accounts, can i reclaim these in the following year accounts?
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Moved: I owe companies - its about income & expenses ?
This discussion has been moved.
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To loan or not to loan!
I am the world's worst saver and I need to repay a friend some money, plus have a wedding and home improvements to do. I would never take out a loan that was unnecessary or unaffordable but If I look at taking a loan out (over 5 years) to just repay my friend the rates available to me are 18%apr and more but if I look at…
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Tesco mobile
hi not too sure where to post. I have a mobile phone contract with Tesco mobile it’s not a credit agreement but I pay monthly think it’s more like a rental agreement. My phone broke so I phoned up to get an upgrade. Had to pay £147 for early upgrade fee. My daughter said she had a phone I could have so I cancelled the…
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Amigo guarantor loan
I'm a guarantor, left paying the debt long story short, I'm trying to find out what happens if redress scheme is a none starter, what will happen to me?? I believe I should not have been accepted and Checks were not completed so I feel I have a complaint.
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Additional borrowing on mortgage Natwest
So we had a call to ask for 20k additional borrowing and it was rejected she said it wasn't the affordability issue it's something on our credit checks. (Our mortgage is with them) so I done myself and husbands equifax no issues and spoke with them they confirmed no issue must be Natwest criteria but they say its credit…
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Car PCP or loan?
Hello all We are looking at a new car which is in the region of £30,000. Generally speaking which is cheaper, a PCP deal or a loan, or is there another way? With PCP it does feel like you are loaning the car rather than buying it. Does it depend on the deal? I can probably post details of helpful :) thanks!
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PCP mis-sold
Has anybody tried to reclaim mis-sold PCP deals? I am currently starting the process and have been told I am due £10k plus in compensation for one of my previous cars? I have had other cars to which are eligible for the compensation. Almost seems to good to be true? The only sting if it is genuine like PPI, is the company…
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Should I refer my bank and my complaint to the Financial Ombudsman?
Hi all, To cut a long story short, over the past year, my bank (I won't say who at this stage) have completely messed me around in terms of my personal loan. The loan was on a 18.9% interest rate and due to various COVID payment holidays, the bank then advised that they could refinance my loan at a lower rate. This offer…
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Student loan query
My ex employer has made a student loan payment months after I left. My ex employer is chasing me for the money back is it my responsibility ? For clarity I settled a share scheme two months after I left, so they are saying the payment was necessary due to the share scheme closure. I just don’t understand and see it as an…
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Guarantor Accepts Miss Sold Loan via Amigo following the borrower putting in the claim.
If a Guarantor accepts the Amigo Loans miss sold settlement sum following the borrower actually putting in the claim can the guarantor still legally accept the settlement if the borrower had settled their dept with the guarantor?
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Large loan or remortgage
Hi I'm wanting to secure a loan of circa £25k. I am about to move house and the new property needs a series of improvements made to it. Now, I was going to get a personal loan for 7 years for that amount as it meant the repayments would be the lowest. In the meantime I wondered whether there was another way to borrow the…
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Litigation Loan - Advice Required
I am currently going through a divorce. All the assets are in my wife's name, whilst I have all the debt (lesson learnt). I cannot instruct solicitors as I do not have any more credit facilities, so I am looking for advice on what litigation loan providers that I can approach directly. If litigation loan providers reject…
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can you be given a ccj twice for the same erudio student loan?
Hi last year I gained a ccj against me frb a blasted erudio loan, cant be bothered to explain why I fell behind with deferments from this awful company but the bottom line is they found me and wrecked my credit file again for another 6 years after I was just about to be released from a bankruptcy in 2016 and now means I…
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Home improvement loan - need advice
Hi I'm looking for advice to see whether my plan is feasible. Me and my partner are looking to redo our kitchen due to it being a bit of a mess, the fridge freezer were disgusting and required a new boiler when we moved in around a year ago so they all got ripped out. Our LTV is currently around 85% so we were unable to…
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Personal bridging loans
Hello, I am chair of a block of flats right to manage company. There are major works due to our block, some of which relate to fire safety, but not all and there is much anxiety about how much the works will cost and how to access the money. Though we are waiting to hear on how to access more money from the government's…
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Student loan
My daughter is hopefully starting uni in September, I have a low income, I’m on ESA how would this effect her student/mentance loan? She will be living at home while at Uni. Thank you
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Timeshare points Sunterra cancelled but still owing finance agreement
Hi. My parents took out some Sunterra points in 2005 which they cancelled that year. They had a finance agreement that is now imposed on their property as a charge. These points were mis sold but the finance agreement stands. What can be done in this instance? I believe the Financial Ombudsman is our only hope but how…
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Student Loan Question
If someone decides not to take a student loan at the start of their undergraduate course - can they later if needed apply for a loan? I plan to pay for my daughter's uni fees and living costs - however if circumstances changed in future would be good to know that this option exists.
