-
Secured debt consolidation into mortgage?
Hoping for insight. i have my mortgage with Halifax. Due to remortgage soon. Will Halifax allow me to move my secured debt consolidation loan into the mortgage?
-
Credit card or Phone contract best option for me
I need to get a loan around £10,000 at my bank in September - October. Need it really bad so I am kind of desperate for some detailed advice. Despite that I've been with the same bank for over 10 years, my credit score states 'excellent' on Experian and I've been with the same employer full time for 4 months (and will be 6…
-
BLS Legal telephone number
I am trying to contact BLS Legal by phone. They are the collection division of Lloyds Bank. There is a charge on our property from when I defaulted on my overdraft 15 years ago. I have found the CCJ reference number and want to speak to them about it. Ironic really. all the times I wanted them to ignore me, now the shoe is…
-
Suggestions on how to best proceed
My situation in summary is: * I have a mortgage of about £6,000 left to pay off on my house * I have been out of work since the pandemic (over retirement age now and cannot find employment) * My pension pot (accessed through draw-down) is about to run out in the next two months, and I have no other savings * My house…
-
PCP Advice
Currently nearly one year into a PCP. Have often done this route but in need of some guidance If were to renew or change manufacturer, current equity due to rebate is around £5K. For renewing there is a further £4K deposit - making PCM payments a bit more than current but okay Switching manufacturers, similar PCM payments…
-
Question about loan
Hi all, I hope you are well. I’m asking for advice in regard to getting a loan. I’m 28 and 9 months ago I got a 5 year fixed mortgage with my partner. At the moment I have a balance of over £1,000 with Monzo Flex, literally everything I pay for I got into a habit of flexing. I have been trying close to a year and I just…
-
Moved: Honours Student Loans
This discussion has been moved.
-
Kitchen finance - credit check
Hi everyone, hoping for a little advice! I have recently bought my first home (woop!) and then kitchen needs redoing. I've basically got no money left after the house purchase and was looking into paying monthly/paying in a year options for getting a new kitchen fitted. I've been looking at companies online that do this,…
-
Equity release and care home fees.
Hoping this is in the right section. Our house is mortgage free and it has been a long time desire to own a campervan so we can travel and enjoy retirement to the full. We are both in our mid 70's and in fine health (touch wood). I have read about equity release which could pay for a campervan, but one thing about it…
-
Best option to finance £4,000?
I need some drainage work doing in my field and today was quoted £6,000. I only have available £2,000. What's the best way to finance the rest? I know - save up - but it has to be done before this winter. I don't have any current debt, no mortgage, loans or cc.
-
PCP balloon payment help needed
My pcp contract is coming to an end.. I have some saved to buy the car but not all so I have to either borrow if get a one. the problem is my 5 year fix rate on my mortgage ends next April so I need to remortgage to a new rate. is taking the loan out going to damage my credit rating now so I wont get the best deal on my…
-
Forced to sell home- How to pay for repairs on no income before sale
Hi all Looking for advice on some sort of loan, not entirely sure if this is the right forum area. The meat of the issue is this: I have been unemployed since Oct 22, through both physical and mental health issues, that are not relevant to this, except to say that my credit rating is a graveyard of missed payments and some…
-
Advice on PCP for car
Hi all, I unfortunately got a CCJ by default. I've appealed to the court using the N244 mechanism and the court granted a stay of the judgment and set a hearing for November this year. The other side were told that I was submitting the N244 and so it was submitted with notice. However, they still proceeded to take the car.…
-
Advice on car loan
Hello, I have a car in mind in which I will need to borrow £15,000 with the rest of the money coming from my deposit - £12,000. The car is a September 2023 plate with Manufacture Warranty until September 2026 and has 6,400 miles on it. This is from an Approved Dealership and the car has a reputation of good reliability. I…
-
Best way to manage credit cards - consolidate or split?
I have about £9k debt across 3 x credit cards and the 0% APR is expiring. I have 3 other cards with zero balance which I can transfer onto @ 0% for 12 months. Is it better to split the £9k across the 3 cards to keep % rate of usage low or to put all onto 1 card to make 1 payment a month? Trying to build my credit score…
-
Pay off car loan with savings vs Saving into Cash ISA
Essentially, I have £6200 outstanding in finance on a 2017 Peugeot 308 GT Line (the car was purchased in June 2023, at £7.5k. I had a quite lovely 2018 Jaguar XE beforehand that essentially spontaneously combusted and had numerous issues so I threw the head up with it and traded it in with outstanding finance hence the…
-
Morse Club refund
Does anyone know if we are still getting a payment later on this year? I have tried looking on line but nothing comes up. The portal and website no longer work
-
Mars Capital Secured Loan
Ill try shorten this as its a long story secured loan taken out 17 years ago for £35,000 with Advantage , sold to paragon then Mars capital. at one point has had a suspended possession order , when this was granted Paragon sold it to Mars capital..the judge did scold paragon for letting such big arrears add up. My arrears…
-
Loan Payment DD Date Change
My cousin has a personal loan he is repaying over a period of 4 years. He has just finished paying the first year and has noticed overdraft charges on his bank account - this has occurred because the bank has changed the date of the DD payment from 15th of the month to 1st of the month! He chose 15th as that is when he has…
-
Secured loan
Hi all, Me and my partner are in crushing debt. She has a house as an asset with 50% of the title to the deeds and her nana being the other 50%. we would like to get a secured loan to the 50% of the asset she owns but in order to do so we need her nana to also sign any paperwork to give us her permission. her nana is in a…
