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Online or written process
Is there any secured loan lenders where you can go through the whole process without talking to someone. I cant find the time in the day to call and be on the phone for half an hour and would rather do it all in my own time, when I have time.
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Consolidating Debt
Hi All, Hope someone can advise me, I split up with my ex last year and was forced into selling our house, we had a loan secured on the mortgage which i took as my debt as she also took away a fair portion of her debt in the form of 2 other loans. At the time I was very busy getting the house prepared for sale and due to…
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how could this be a money maker?
Take a 5.9% asda-loan out and put it into the lloyds tsb 8% savings account (for example)... obviously its not as black and white as this (taxes/repayments etc) but is their a profit to be made from taking out a loan and putting it into a savings acc? PS, im already aware of stoozing thanks in advance!
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HSBC Managed Loan - Anyone Heard of/Had One?
I was talked into getting this 'managed loan' from HSBC 3 years ago. I pay £90 a month on £5,300 and after 3 years of paying it I've only paid off £415! I pay on average £71 a month interest and I was never 'told' that I wouldn't be able to get any credit just because I had this loan. I was told it was my best option at…
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Bad credit rating.
Didnt know where to put this. I intend to move out of my home at some point in the next 3 to 4 years, and I will need to be debt free. I have thought a lot about this and wanted to consolidate. I was refused, so I checked experian. My credit rating is poor, 709 out of 1000. What can I do to sort this out? I have no…
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refused loan poor credit rating!!!!!!
Hi I have applied for a loan of £6500 over 30 months to buy a caravan and clear existing credit card balance. I firstly applied through northern rock and they turned it down. In the letter they sent they had my name wrong, so I assumed the problem lay there. I then applied through alliance and leicester. I gets a phone…
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Loan loaded with life inssurance?? is this allowed??
I took two loans out with one of major banks about over 3 years ago, one personal loan for £100 k to help buy the property and another as business loan for £25k to stock up the business.(both loans over 15 years), but the bank had added my life inssurance to the loan for the duration of the term to my loan, hence my loan…
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First Plus PPI problem Help
Hello, I would be very grateful for any advice regarding the mis sale of PPI insurance on our First Plus secured loan. We took out the loan in 2003 via loans.co.uk who added on the PPI to our loan, we were not given any of the information we should have been but at the time were naive and were attracted by the 5 years…
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business loans
me and my girlfriend want to start our own business. We have the skills etc but its just the capital that we will need to start the business up. Whats the best thing to do to get the money for a business, a business loan, personal loan etc? we will have about £5000 deposit to put against the loan and i reckon to get the…
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Chances of Northern Rock Flexi going the same way as Cahoot???
Hi, I am looking to take out a loan for a new car (around £7K) I have cash as savings (£10K) but due to an impending divorce battle I will need access to cash so I really don't want to touch my cash savings. My credit Rating is 968/1000 so there shouldn't be issues with an application. I did a few searches on my own credit…
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Any chance of a loan under 9%..?
Hello, Been looking for a £6000 loan, repayable over 30 months. My credit rating is scored as fair.. I'm in full time employment, and I've never had CCJ's or missed payments etc, but I am only 18 and living with parents. I tried to apply for the Northern Rock loan and the Moneyback loan, but found you have to be 21. Am I…
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Need a loan but maiden name still on electoral role
Hi, I am about to apply for a second loan with sainsburys bank. I got married a year ago and they have my maiden name. It is also my maiden name that is on the electoral role. When I apply for a loan will this affect my chances? Will I keep the loan in my maiden name or will I tell them of my name change and that it is not…
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secured loan for hopeless case
i have been offered a secured loan for £37000 over 10 years with 12.5% interest this is with i group not got a good cr rating. dont know what to do as wanted unsecured but does not look like i will get it.Any advice out there?
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Barclays Grad Loan - Help with forms needed
Hi, Hoping someone might be able to offer some advice. I have a graduate loan with Barclays which currently stands at £2000 (£1000 has been paid off). I am undertaking a big move in August to Scotland (thats a looong way from where I am now!), to start part time study in September. I wanted to take out another grad loan…
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Loan v Equifax
Hi, Can you please advice which finance company use Equifax for Personal Loans? My credit history is not great with Experian so I want to apply with banks who uses Equifax. Thanks MS
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Managed Loan
Hi I currently have a "Managed Loan" with HSBC (not that they do any management of it) and have just opened an account with Alliance & Leicester and want to close my HSBC account. Can I do this and still make payments on my managed loan from my new A&L account? Or will A&L take on the loan from HSBC? Any advice would be…
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Options to Finance an extention
I brought a house in January for 107000, paid a 10% deposit and now I want to extend the house with a 2 story extension and a loft conversion. What are my options to finance this? Affording the finance isn't a problem as both my other half and I work bringing in nearly 50k a year. Secured loan on the amount or is there a…
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Secured loan/bigger mortgage?
Hi Just wondered what/if there's a difference. I have equity in my home...do I ask for a bigger mortgage or a secrured loan? Are they the same thing? Thanks
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Cahoot flexi loan APR increase AGAIN!!
I am totally disgusted with Cahoot my apr has changed 2 times in the last 6 months, originally at 9.3% now 19.9%, totally unacceptable for such a dramatic increase. I'm totally aware the APR can flutuate but there taking us for a ride.
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Can I reclaim this...
When I was younger a few years ago I racked up about £1,000 of unauthorised overdraft charges. If I remember rightly, if I made any transactions on the car, because I was overdrawn and didn't have an overdraft, I would get charged about £30. By the time they took action and cancelled the card, I was at least £1k overdrawn…