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Loans

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

My IVA is finished is it hard to get a mortgage
I have just finished paying a five year IVA. All payments were paid on time with no holiday periods. We would like to buy a property and have saved a deposit. Has anyone had problems borrowing money for a mortgage after paying an IVA. Any advice would be great.
dept collectors
Ten years ago my wife split from ex boyfriend. She walked away from the house and mortgage which was upto date. The ex boyfriend let the mortgage run into dept and eventually the house was repossessed (maybe 6 or 7 years ago). In the nine years we have been together we've heard nothing of this. In June 04 she started to…
Big Debts
Hi I am 32 and am in debt to the tune of £49k. When I think about that amount it makes me feel quite sick and I have tended to do what a lot of people do I guess and just carry on and on burying my head in the sand hoping that it will all go away. I have finally got the courage to contact the CCCS and have a telephone…
turned down for loan - wrong info on cr file
??? hope someone can help! I recently applied for a loan with my bank but was turned down. Requested file from Equifax which showed default from o2. The phone in question had been returned within specified time and I've never owed them anything. I rang o2 two week ago who said they would remove the wrong info within 7…
CAB
Going to phone my local CAB tomorrow, had a debt problem for a while & buried our heads in the sand for 2 long , hope it isnt too long before we can get 2 see a debt adviser.I can see from this website thats lots of people have bigger money worries than we do, so hopefullywe'll be able to sort it out .I've written down all…
Am I doing the right thing???
Firstly Hi to everyone, I have been visiting this forum for about 2-3 weeks now and your advice given to others has been invaluable. Now to the problem I am facing, it may not seem alot of money to some people on here, but I am trying to get hold of things before they get too much out of control (which seems the best thing…
Loss at my debt
I am at my wits end, I have tried everywhere to build up my debt level to something that is completely unmanageable, but as of yet I have been unable to break the £1,000 barrier. I wake up everyday thinking if I only bought that, I would at least spend the next few years struggling to pay it off. Last month, when I paid my…
Loans for £500?
Hi I've been looking around for a loan for £500. However they seem to be in short supply. In my ideal world I would like it for 12 months :) . My options seem to be credit card - have already transferred money onto a 0% card with Egg and don't really want to put anymore onto a card as basically it is too tempting for me to…
How do I get out of £10K of debt?
Hi, I have a loan with the Alliance & Leicester and still have £8,484 to pay off at £371.61 a month (with 2 years to go at 7.4%apr). Because I'm self employed I sometimes have money 'left over' but the A&L are not flexible. I also have £1,162 outstanding on an Abbey credit card and the interest free period has just come to…
Student Overdraft
I am working graduate, who is trying to pay off a student overdraft from a Barclays graduate account. I have just been written to telling me that the current graduate package has ended and i need to sign up for somethign called "Graduate Additions". This will enable me to keep my overdraft limit (at the same rate of…
transfer cash from canada to uk
hi folks, my son is going to canada for maybe a year and i am wondering does anyone know the cheapest way for him to send money home as he has a few bills to pay. thanks for any help hect63
49% apr loan !
I have just been accepted for a loan of £3000 by a company who specialise in credit repair - it wasnt until I checked the repayments and rates that I realised the horrid truth! On a loan of £3000 the monthly repayments were £160 over 48 months - total repayed £7680 !!! Thankfully I hadnt agreed to anything I know companies…
Credit File Query
I recently got my credit report from Equifax, and was a little concerned by some of the credit searches listed. There are 3 seperate searches on 3 different dates listed from COMPANY: HALIFAX BRANDED SAVINGS with a search type listed as "Money Laundering". As you can probably imagine, this has got me a little concerned!!!…
Pay Loan ASAP (or invest it quick)
Unless you are investing a loan into making a return for you on your money, i recommend paying these people back ASAP! I would never visit this area for ANY other circumstance other than to venture into a good investment. Look at: 'Savings & Investments'- Money Making Then Money Saving' (and start getting out of financial…
Consolidating debt to mortgage
Hello, This is my first post so hope it sounds ok?? I have about £13k off debt and have just put my house on the market and a sale has hopefully been accepted already!! On selling the house I have made £61k (sadly only on paper though isn;t it?!) but I would like to know if it worth adding my debts which are a loan and a…
personal loans
:P Does anyone know of any good deals around for a personal loan. I'm looking for £25000 personal or consolidation loan with low apr over 15yrs. Any info would be great as I am boggled with all the offers. thnx
Confused on Loans
Hi all, this one has really puzzled me ??? My other half has two loans for which he has lost the paperwork. We're trying to sort out his finances, and so went to the bank holding the loan as we want to repay these early to reduce the overall interest paid back. To try to sort this we went for a meeting with the bank. After…
Rule 78 and Paying off Loan Early
Hi Everyone, Firstly just to say I have found this website amazing eye opener ! I have a Loan with RBS, I have the money to pay the loan off now and was surprised to be told that it would not be of any advantage to pay if off early as interest is calculated using Rule 78, therfore the interest is calculated up front. Has…
My first spending diary
Hello! Well, I've just experienced my first month of consciously trying to Live Below my Means to try and get out of debt. I kept a spending diary and wrote down every little thing I spent my cash on. What an eye-opener! (If this is the wrong forum, please tell me!) Background info: I am a 24 year old journalist (hence…
Anything missed? Answers on a virtual postcard!
Ok, I have posted a few times with more specific questions, but I just want some new eyes to scan over what I have done so far to see if I have missed any other money savers. I apologise in advance if this post turns out to be long/boring or same old thing you guys see everyday (always the optimist, me!lol!) Here goes:…

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MSE News

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.
McDonald's Monopoly 2024 – when it starts and tips for boosting your chances of winning
There are many versions of the classic Monopoly game these days but one that many fast-foodies look forward to each year is McDonald's Monopoly. If you're going to eat under the golden arches or order a McDelivery, this promo can be a fun way to win a 'free' bite to eat, or if you're lucky, something bigger.
Halifax or Lloyds mortgage borrower? You'll soon have less time to lock in a new rate before your current deal expires
If you're a Halifax or Lloyds mortgage borrower you'll soon only be able to lock in a new rate up to four months ahead of your current deal ending – down from six months. It means you've less time to insure yourself against rates rising before your existing mortgage comes to an end – though rates have been on a downward trajectory for the past few months.
Halifax or Lloyds mortgage borrower? Like Santander and Nationwide, soon you'll only be able to lock in a new deal four months early
If you're a Halifax or Lloyds mortgage borrower you'll soon only be able to lock in a new rate up to four months ahead of your current deal ending – down from six months. It means you've less time to insure yourself against rates rising before your existing mortgage comes to an end – though rates have been on a downward trajectory for the past few months.
Tesco shopper? Today is your LAST CHANCE to spend £14 million of expiring Clubcard vouchers – or extend them with our trick
If you've got a Tesco Clubcard, check if you have any vouchers close to expiring, as £14 million-worth are due to run out by the end of today (Saturday 31 August). Don't want to spend your vouchers yet? We've got a trick to extend their validity.
Get 'paid' to walk using free apps
Walking has great value – not just to your health, or to the environment, but also monetary value. This is because there are a plethora of free apps (or ones you can use if you have certain health/life insurance plans) that effectively pay you to walk.

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