-
Rejected from amazon and tesco credit cards applications. And now?
Hi everyone. In order to build my credit history, I tried to obtain a credit card, and I had a look at this link suggested by a user from this forum. https://www.moneysavingexpert.com/credit-cards/bad-credit-credit-cards/?_ga=2.84814233.1000296080.1598504265-25808794.1598504265 I applied to the tesco one (according to the…
-
Can I reject a loan offer if I want to apply for a different one? And will this affect my rating?
Hello I have decided to upgrade my (owned outright) car. I have only had it for 3 years and would normally keep it for longer but there have been some known issues with the model that have made me decide to move. I would be really grateful if you could give me some advice about applications regarding my credit score: I…
-
Personal loans after mortgage
Hi there, I am a new home owner, bought it 2 months ago, I need a personal loan,(6k), Ihave my mortgage with Halifax, I talked to them, they say we advice customers to wait 4-6 month before they apply for any credit, my question is that can I try somewhere else, or is the same everywhere, you have to wait some months,…
-
VW auctioned off my car in 2017...should they have paid me the surplus money?
Clearing up my situation the last week or so. Had debts all over the place, they've actually come down alot. Anyway I have found old paperwork and emails to match. My car was purchased on HP. I paid over half of the agreement then losing my 75k a year job meant this car had to go and i bought a "banger". It defaulted then…
-
Agreed to be a guarantor when under required age - Amigo Loans
So my daughter agreed to be the guarantor for her boyfriend when she was just 20 years old, on the Amigo website it says that guarantors should be aged between 23 and 75. She split up with her boyfriend about a year ago and he has since missed payments which she has covered, however his missed payments are now becoming…
-
Take out full personal loan or half/3 quarters?
hi, just wondering if i'm thinking straight: basically say i get a loan out of £20k (the max given) and I only need £15k. is it better to take the full loan of £20k and use the £15k, whilst saving/setting aside the extra £5k for emergency use (not using it to repay loan back monthly) but of course the higher loan amount…
-
Student Loans Pre-1998
Hi all, I've just found out that the pre-1998 student loan threshold for 2020/2021 has DECREASED by around £2000. I took my last loan out in 1997 and my loan is almost at the point of being written off. As far as I recall for the past 23 years the threshold has always risen not decreased so does anyone know why this year…
-
Amigo settlement
Hi all,looking for a bit of advice. Having read about reclaiming from amigo I filled in the resolver form last week and got a reply today. 1 upheld and one defended. My question is they are defending the bigger loan which was a top up with a bigger monthly payment and upholding the original loan even though my financial…
-
Advice needed
Hi all I need to raise some money to pay some bills and was hoping to try and secure a short term loan against my late Mums house, on which i have just accepted an offer and expect to complete on in the next two months, where I would pay the loan off in full. Unfortunately, my current financial situation isnt…
-
AA Loans - I'm so confused
Morning All, First time posting & just wondering if anyone could give me some advice. I applied for an AA loan on Monday 31st August (bank holiday). Completed the app online, came back with an instant offer & electronically signed the loan agreement. I received an email to say I should receive the funds within 2 working…
-
Buy now pay later Deferred payment
Advice please....following a sales rep’s visit to my home on the 15 th June, whereby I entered into an agreement to purchase a new conservatory roof on a 12 month buy now pay later arrangement. This was agreed with the lender/bank on the same day by phone which the sales rep arranged. The agreed start date for the works…
-
Not eligible for any sort of loan
Hello, I might have an upcoming motorcycle purchase and was going to get a small loan of £1000 over 12 months but unfortunately no one will accept me, I have checked on the eligibility checkers. I have been using my 3 credit cards wisely for the last year and always paying them off in full at the end of each month. I'm…
-
Secured loan or re-mortgage with extra borrowing
Hello MSE community! I was refused to get unsecured loan (25k) due my wage and expenses. I am looking for two options SECURED LOAN and RE-MORTGAGE with EXTRA BORROWING. What option would be the best? Money needed to expand my Forex trade business as its going well and I will get back this loan within 1 year. Thank you!
-
Moved: Amigo loans success...
This discussion has been moved.
-
Student Loan Payment Terms
Due to the recent threshold change it has transpired that I will now have to start paying my pre-1998 mortgage style student loan back. My 25 year loan write off is very imminent (Oct 2022) and I wondered if anyone could advise what will happen when I start paying this loan back - i.e. if it will negate the write off of…
-
Family member taken out phone contract in my name and not paid it
Hi all, I've recently received a letter and relentless phone calls from a debt collection agency regarding a fee I knew nothing about. After getting in touch with them via email I was told that it was for a GiffGaff account opened back in 2015 in my name that hasn't been paid since and I am not expected to pay over £100. I…
-
MOT fail and car finance
Hi, was wondering if we can get some advice. Our car has just failed its MOT and its going to cost a quite a bit to fix and we also have things that need fixing on the car. we have already spent money on the car getting fixed but its still not right. we still have a small amount of finance to pay which is less than the…
-
Student loan repaid... no better off?
I finished repaying my student loan in March. The deductions (Surprisingly!) seamlessly stopped from my payroll and all is good. I, probably wrongly, assumed that once I stopped making these deductions, that I might see an improvement in my overall pay, however the vast majority of the amount I now don’t pay in student…
-
To understand loan
Hi guys, Please help me to understand the loan. How much you are borrowing (this is the amount of credit) £17,500.00 The fixed amount you must pay back every month. Your last repayment may be different and we will write to you to let you know what this will be £316.41 How many monthly repayments you will make 60 How much…
-
Wonga and DMP - payment returned
I currently have a DMP due to end next month - finally. One debt I had on there was for Wonga - I have since received a refund from them, however Clearscore is showing an outstanding/default debt to them of £53.00. I have updated my DMP to reflect this and the payment has been returned from Wonga on numerous occasions and…