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credit checks/loan
I need to get a loan, does anyone know of good lenders who dont use Experian (it's in a bit of a mess) just use Call Credit or Equifax (all cleaned up). I need the loan quicker than it will take to clear up the Experian file. Thanks Freddie
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Being Chased For Old Loan
Hello, I have just had a phone call from a company saying that they have had my debt passed to them from Direct Line. They asked for me by name and said where they were calling from and asking me personal questions. When I said that I did not know what this was in connection with they passed me through to someone else who…
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Cheap secured personal loans
Secured loans are meant for all those borrowers, who are looking to finance their personal needs easily and in an affordable manner. Secured loan could be cheap also. Cheap secured personal loans are those loans which require no property of the borrower to be placed as security against the loaned amount. In this way, these…
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Impaired credit. Best Lender for Car Purchase?
Hi there. i am looking to buy a newer car. i have seen the ads for 'Bad credit' and 'Impaired credit' but don't know who to trust, My credit score is not great at the moment as i have 2 defaults on my experian record, although no CCJ's, Anyone recommend a finance company who doesn't charge 20%-30% apr + !
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PPI Help
I have a credit card and loan, both with PPI. I have had the credit card for over 5 years and took the loan out last year. In November last year I lost my job and have had to do temp jobs on and off since as I have been unable to find full time work and am struggling to pay the bills. Can anyone tell me if it is possible…
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northern rock loan
northern rock allow you to overpay on their loan. does anyone know if in doing so the amount of interest for the loan is reduced, or does overpaying simply mean that the loan is paid off sooner but the total interest remains the same (i.e. the interest is front-loaded and cannot be reduced)? i've spoken to northern rock…
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totally confused about loans ..rejected for unsecure
ok here it is in brief.. * husband works 35k+ * i'm at home with baby * good credit score - last time we checked (although only with bank 3 months..H's new job only 2 months in_ * joint application for a Northern Rock unsecure loan rejected * thinks "we're idiots should have made it in husbands name as i'm not in work" *…
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Voluntary Termination?
Hi All, I've done a quick search and couldn't find anything directly mentioning this and hope this is in the correct area (or someone will move it am sure). My parents are trying to cut costs each month, and are looking at areas they can save. Now that my dad doesnt work (retired) he no longer needs the car, however, the…
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wifes personal loan
Hi all, three years ago my wife took out a loan for £5000 from Barclays, for a five year term! at 13.9% With all the interest and repayments over the term she would end up paying back around £8000 She has recently settled the loan ,only after three years, and been charged the full amount ( 8000) According to Barclays she…
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Move Loan To Mortgage Or Not?
Hello - I have a £17k outstanding loan with Natwest which Im struggling to pay each month, I have spoken to Northern Rock & I can transfer the loan on top of my mortgage but this will then be spreading the loan over 30 years but i will be able to afford it so now Im in a catch 22 situation! Ive only had the mortgae for a…
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help with a firstplus loan rip off
my wife arranged a firstplus loan over the telephone a couple of months ago and she was sort of told by the person who sold it to her that there was a payment protection that went with the loan and explained what is good about it but never told her they she didnt have to have the payent protection can someone offer me…
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Debt Collection Agency
I apologise if this is the wrong forum, but I couldn't find a relavent one. Can anyone give me some advice please. I had an EGG personal loan that through circumstances I defaulted on, To cut a long story short. the debt has been sold to DLC (Debt Collectors) although they deny the debt has been sold and insist they are…
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Northern Rock Loan
Hi! I applied for a Northern Rock Loan for 5k last week, being tempted by the 6.2% Typical APR.... Reason for the loan is for a new car, I have some ludicrously expensive outstanding finance on my old car which I will pay off (3k) and luckily my car doesn't seem to have lost a huge amount of value so I can sell it and get…
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Can I get a loan that I can overpay on?
Hi, Can someone with any experience of this kind of thing help me out here. I want to get a loan for a new car. I have a good credit history so would expect to get a rate of about 6.2% Can i get a loan that will allow me to over pay when ever I want or to pay the whole lot off if I have a good month without any penalties.…
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Northern Rock application - help asap!!!!
I am filling in the form now - my loan is to consolidate my debts - so do i need to fill in all my credit cards etc cos i am planning to use to loan to pay them off???? help please!
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Pay Day Loans - Info please
Hi Guys, Can anyone please let me know who offers the best 'pay day' loans - I looking for a company where I can just complete over the net (no faxing forms etc etc) - No Hassle. I don't have a cheque book but do have a debit card. Thanks in advance.
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Another Welcome Car Finance Mess
Hi all, this is with regard to my brothers car so the figures wont be 100% precise but see if anyone can help. Bought car in 2001 for approx £3500 HP. has paid about £6000 in total, but started to default last year. Asked them for a reduction in the monthly payments but apparently they fobbed him off with some excuse about…
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Citi Finance Please Help
Hi all This is my first post on this forum so sorry if it's in the wrong place, i need help with a problem i have with Citi Finance so here is goes I sent an S.A.R - (Subject Access Request) request off to Citi Finance and sent it recorded delivery. I then: Received a letter on March 7th with my £10 cheque returned daying…
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Welcome Finance Help!!
Hi All, Has anyone had any experiences with these people. My OH has a balance of around £1200 with them and we are looking to negotiate a settlement figure. What is the best way to go about this and what should I offer?
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Payment Breaks
Could anyone tell me if banks allow customers to take payment breaks on personal loans? I managed to take one when I had a loan through a finance company some time ago, but I wasn't sure if banks allow them as well. I could do with taking a break for a couple of months to sort out one or two financial problems I'm having…