We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

Loans

Discuss all types of personal loan. Remember MSE's stance on loans: 'borrow as little as possible, repay as quickly as possible'.

CCJ,S Can they legally be removed?
I ran into trouble a few years back and lumbered myself with 2 CCJ,s totalling £327 which I satisfied 12 months ago. Even though my credit file shows everything I have on credit has been repaid on time for the last couple of years I can,t get high street lenders to touch me due to these judgements and I am forced to pay…
which loan???
im currently looking for a loan but would like some thoughts on where to go, I am thinking of borrowing 7k-8k for a car and paying back over 3years. I believe with some loans you can pay more back than the required amount each month and that reduces the interest or something like that, is this true? Can anyone suggest or…
Abbey National Loan
Anyone recently got a loan with Abbey National at the advertised 5.8% apr? If so what sort of time are we talking about between initial application (online) and funds going into bank account?? Thanks all.
How bad is my credit rating?
Since receiving my Equifax file I have settled my one account still in arrears in full. If I pay all bills on time for the next 12 months would I have repaired the damage significantly? What is the best way to improve my credit? VODAFONE LTD GEMINI(I) Communications Supplier 0 @ £ 0 (Monthly) £ 0 £ 0 Status Credit Limit…
short term debt help
Hi all, New and green so please be gentle. We have found ourselves in the position whereby we have just lost a third of our monthly income and cannot make ends meet for the next 6-7 weeks, previously the weekly income was enough to cover the bills as they came up individually and leave enough spare to not be skint..... I…
finding out about CCJ
Hi I have a friend who has lived in Germany for the past 8 years. He has just asked me to find out if there`s any CCJ here against him. How do i go about it? to be honest, i wouldn`t think i would be able, or is there any info i could send him Many thanks
£10k on credit cards - Way out of debt?
I have £10k on credit cards, some on 0% for 6 months however it appears the regular balance transfers are now catching up with me. It is becoming increasingly difficult to obtain any large credit limits. I also considering remortgaging? What should I do? Incorporate the card debt onto the mortgage, take a life of balance…
companys that help with debt and interest
???a friend told me that there is a company that can be contacted to get rid of interest on credit cards and help you with debt problems ,they contact the companys for you????? is this true does it exist????apparently its a free charity
Moving to US with debt?
Hi, There is a distinct possibility that DP will be relocated to the US via an inter-company transfer, possibily as early as before Christmas. The thing is we have £30,000 worth of debt here in the UK. After the sale of the car and possessions we couldn't take we will probably bring that down to under £25,000. The contract…
silly debt question
I have £1000 outstanding on a 0% credit card. I hate having debt over hy head! I have some savings in an ISA (10k)and wondered if it would be a good idea to clear the debt with the isa money or leave the debt and pay a bit off each month then pay it off with the isa at a later date, thus gaining more (savings) interest. I…
Good simple advice needed
Hi there, I've got a loan out from Egg that currently stands at 8,450 UKP at an interest rate of 7.7 pa. Can I: Make a balance transfer of no interest for a certain period of time (a year for example) Switch to a provider with a better interest rate (i.e who would you recommend)? Do a combination of the both? On the Egg…
£4K Loan, but i'm a student
I need to £4K loan to pay off my current debts. I've worked out that I can pay back around £130 per month with my part time job and regular 'Student Loan' payments helping. Is there a company out there that accepts students for loans or do they all have a No policy? Many Thanks Peter
flexible loans
I am looking to take a loan the I can pay extra off earlier and take it back out if i need it. Can anayone recommend any goods loans?
loan rate
hi everyone, could someone advise on loan rate, applied to welcome finance,alas rate on document 32.3%..clause 1b...small print variable rate may go up or down...2.25%....per month... any money adviser able to calculate true rate,looking for finance for car purchase would appreciate any advice on which banks or finance…
Loan to consolidate over £15,000 of c/c debt?
We transferred our credit card balance to a 0% then stupidly used the card now we have debts of over £15,000. Should we take out a loan to consolidate the debt? If so which one is best for us because at the moment the interest we are paying is crazy!! Hope you can help, L.B
We would like a loan but have a few problems!!!
I became bankrupt two years ago as the result of a business failure and a divorce. I opted for a complete career change and am now a full-time student about to start the third year of a four year degree course. Like most students I am working to try and provide additional support for myself and my partner. My partner has…
Difference Between Search Agencies
Hi After having received my credit file from Experian using their free trial site I compared it against the Equifax file I already have. It looks like Equifax has a better record of entries, Experian hasnt any record of 2 CCJ's that are still current and appear on my Equifax file! I think I read somewhere on the forums…
Can you 'walk away from your debt' legally in UK?
xxxxxxxxxx
Home Improvement Loan
My daughter is looking for a home improvement loan. She has contacted her mortgage provider (Bank) and they are asking quite high returns. She does not have access to the internet so this is a luxury she cannot afford! Any advise will be greatly received. The loan is for 4 areas of activity including roof repairs. Thanks…
Its so unfair why wont someone help?
Hi My husband and I are desparate. I am at my wits end with worry. We are both in our early 30's and broke. We run a small business and have done since 2001 which brings in an unsteady income especially in Winter as it is car valeting. My husband also works his socks off doing a evening job as a security/doorman about 3 -…

★ ★ ★ Meet your Ambassadors

Popular Tags

MSE News

Lloyds, Halifax and Bank of Scotland to close 292 branches in 2024/25 – here's the full list, plus alternatives
Lloyds, Halifax and Bank of Scotland, which are all part of the Lloyds Banking Group, will shut at least 292 of their bank branches in 2024 and 2025, the Group has confirmed.
Martin Lewis: We need financial education in EVERY school for EVERY child
Universal financial education – providing young people with the knowledge and experience to thrive in our highly competitive consumer economy – is vital for the future of our society, MoneySavingExpert.com founder Martin Lewis has warned. Addressing an all-party group of MPs and peers at Parliament, Martin told them, loudly and plainly: we need financial education in EVERY school, for EVERY child.
State pension set to rise by up to £460 a year – but Martin Lewis warns it won't help pensioners this winter and most won't get the maximum
The state pension is set to rise by up to £460 a year (£8.80 a week) from 6 April 2025 under what's known as the 'triple lock' guarantee. But MoneySavingExpert.com (MSE) founder Martin Lewis has warned that any rise will come too late to help pensioners set to lose their Winter Fuel Payments this winter, while most won't get the maximum increase. Here's what you need to know.
The Body Shop administration latest – here's what you need to know
Cosmetics retailer The Body Shop has fallen into administration, resulting in almost half of its 198 stores shutting their doors for good and hundreds of staff facing redundancy. Below we round up all you need to know.
Martin Lewis warns council tax debt collection is 'so aggressive it'd make banks blush' – change is needed
Aggressive council tax debt collection practices – even after missing just ONE payment – are putting up to two million people at risk of serious harm, new research from charity the Money and Mental Health Policy Institute (MMHPI) has found. The charity's chair and founder Martin Lewis has called for Government action and urged local authorities to look at their methods in the meantime.
First-class stamp prices to rise by an inflation-busting 22% from 7 October – here's how to beat the hikes
The cost of standard first-class stamps will rise by an inflation-busting 22% from Monday 7 October, Royal Mail has confirmed – but if you buy some now, you'll still be able to use them after prices go up.
Nationwide to hike FlexPlus packaged account fee by £60 a year – should you ditch and switch?
Nationwide will raise the fee on its popular FlexPlus packaged bank account from £13 a month to £18 a month in December, the building society has announced. If you've got the account, it's likely worth sticking with for now – though you should diarise to look at alternatives when the new fee kicks in. Here's what you need to know.
FREE visits to 5,000+ UK historic buildings & heritage sites in September
You can get FREE access to many historical sites and tourist attractions this month including National Trust sites, castles, locations used for TV and film including Pride and Prejudice , The King's Speech , and Bridgerton, and more. It's all part of heritage open days across the UK.
School uniform grants: check if you can reduce costs by up to £200 with support from your council
If you're on certain benefits, such as Universal Credit, you may be able to get up to £200 to put toward the cost of your child's school uniform in the form of a non-repayable grant. We've pulled together a list of the councils that offer the support and how to apply.

View All

Loans

Categories

Popular Tags

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free

Loans

Discussion List

Categories

Popular Tags

Is this how you want to be seen?

Get our FREE Weekly email full of deals & guides - and it’s spam-free