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Unauthorised credit check?
I would be grateul for some advice. My partner and I wish to buy the lease of a pub, for which we would like an unsecured loan of £85,000 (about 50% of ingoing costs). We had a meeting with a lender (a small high street bank) which was organised through a broker. The loan application, sent to the broker and copied to the…
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Staff Loan
I'm a member of staff at a bank and prior to joining the bank I obtained a joint mortgage with hubby. I'm wondering what are the chances of being granted this loan. Do banks typically credit check members of staff, given that I was already credit checked before being given the job. I obtained a mortgage with another bank…
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Advice re: Finance GAP / Shortfall Protection
moved this to a more relevant thread that I just foud. apologies
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12-18 months for 4k? Help!
Basically, my partner is about £1750 in debt with the bank (2 credit cards & overdraft which get's paid off every month), and also owes me £2000... I feel it's putting a strain on our relationship when having to borrow money etc off me, so we've concluded a loan is maybe the best option... Is there an alternative? i.e. Can…
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natwest loan
hello everyone, i am quite new to this site and i have a question about a personal loan i took out with natwest. on the 17th of march 2007 i went to the bank after they rang me wishing to review my account, i already had a loan of with £5374.75 and £1525.25 of cc debt. whilst there i was advised to take out a loan of £6900…
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Loan to pay off cc
What do people think about this? Basically our situation is: the cc is in my fiancee's name, we have a joint bank account so treat this cc as both of ours. Anyway its at the max of £6000, but due to our othe debts very rarely do we make over the min payment, we do when we can, but lately its become just the min. We've…
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Northern Rock Overpayments, Examples inside.
There has been quite a few questions regarding Northern Rock loan overpayments. Hopefully this can clarify the issue of weather the Interest is Front Loaded and if would be a better idea to put the extra payments into a Savings Account. I have had my paperwork returned having been accepted for a £7000 loan over 36 Months…
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Loan for person on benefits
Hey Guys I am looking for a small loan of possibly £5000, I am on DLA and Jobseekers and a local housing tenant. But i have had problems trying to get a decent loan. I have had contact with (Un)Welcome finance but i dont know as the apr is through the roof and i dont know where to turn. The money is needed for some…
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This can't be legal can it?
duplicated post
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This can't be legal can it?
I work as a self employed driver for a taxi firm. The firm offers a facility to purchase a car over a period of weeks, the price of the car already inflated, there is no interest payable on the agreement. Obviously the firm are not registered as a finance company, this is purely for the benefit of the drivers to buy cars…
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Which Lenders Use Experian For Credit Check?
Hi, i am interested in lenders that use experian credit checks before issuing a loan. Does anyone know which banks/building socieites use this company and which is the best to go with. I have a credit rating of 912 with experian and would like a loan. Thanks a lot. Any help/advice is appreciated.
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HBOS ppi...how long to wait
Hi all, i wrote to Bank of Scotland in March this year, requesting cancelation of the PPI on my loan,they called me to tell me they were investigating the "mis sold" claim and had 8 weeks to do so. The 8 weeks were up last monday 14/05/07 so i rang them and they said they were still investigating and would be in touch…
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Re: Loan problem.....
Hi All Nearly 2 years ago when I was experiencing some money problems and the bank charges were snowballing I asked the Bank for an addition to my overdraft to help me out and to stop the charges. The Bank said no they were not able to extend my overdraft but instead would refinance my Loan which reduced my payments by £60…
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Backpacker loans???
Does anybody know if there is such a thing as a backpacker loan? And if there is, where would I get one? I am going travelling with my GF and as I don't have the best credit rating in the world, I know I will get refused by my bank (Lloyds TSB), even though I have just got a Capital One credit card. She has an excellent…
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PPI advice
Hi I have a loan with Egg with ppi. The ppi will only pay out after 6 months should I become ill or unemployed and with my work I get 6 months full pay and then after that half pay and should I be made redundant I will be redeployed to another job by my employer. The monthly payment with ppi is £450 and without it it will…
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Court Action - Paragon Personal Finance
Hi Can anyone help - offer advice i originally took out a lone in 1999 for £10,000 with Paragon shortly after i became umemployed and repayments were reduced to £20 per month and we were told that the interest would be frozen. We continued to pay £20 for a period of 5 years without missing a payment at which time Paragon…
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Finally, A successful loan application!!
After being turned down by Northern Rock and Barclaycard loans 3 months ago, I re-applied again for a Barclaycard loan on monday. The following day i received an email stating that my application was successful and that further action was required to contact the Loan Application Team. I phoned the Barclaycard after they…
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Secured Loan Cheque
:confused: Hello, I am posting this on behalf of a friend. Position is this: She has been accpted for a secured loan on her property, and has singed the final documents, the cheque has now arrived. She has today recieved a loan offer from another broker who she applied through at same time. The loan offer which has just…
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Paying off ald load!!
Has anyone any advice on the following: back in 2000 i had a car on HP which i gave back to the finance company at what i thought was half way in order to have paid the loan off, this was not the case and 3 years later it crept back up and i was in fact 5 payments off the half way point! At the time i was unable to pay in…
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RBS Loan
Basically applied for a few loans without any luck, i dont see why i have any problems as my credit rating is 790 and 1 late payment in the past 3 years. So i applied at my bank (RBS) who have agreed to the loan in principle. What are the chances of them making a you turn on there decision?