-
Securing Loans To Purchase An Existing Business
Hey guys, I'm trying to secure funding to purchase an existing cafe with no capital or assets behind me. I'm looking for a substantial figure of around £75k, I'm not sure where to start as I would need a loan that doesn't need any kind of guarantor. Can someone help or give me any advice that would point me in the right…
-
Personal Loan
Hi, I have recently been declined for a personal loan from nationwide. I appealed it and still got rejected. The reason apparently being that I missed a couple of direct debit payments for a savings account I have set up. Other than that my credit score is good, not in any debt , above average salary I’m looking to borrow…
-
Which personal loan providers allow flexible payments
I want to take out an unsecured loan for £20k over 5 years. Some months I’d like to make over payments. Some months I might not have enough for the regular payment. Which mainstream lenders supports this please? I don’t want an underpayment to result in missed payment / admin fee, hurt my credit rating etc. Thanks all!
-
Personal loan and finance agreement
Is there a way I can save on the amount I’m repaying for these two separate debts, for example taking out one new loan to repay them early? Personal loan (5.8%) 42 payments of £182 left to pay = £7644 payable. Settlement amount = £6643 Finance agreement (5.19%) 53 payments remaining @ £82 = £4364 payable. Settlement amount…
-
Unofficial loan advice
Not my situation thankfully, but points raised in a pub conversation about a friend-of-a-friend and we were debating the topic as non-experts. Interested to hear any feedback from those that may be more experienced either as lenders / professionals or having been lender or borrower in a similar spot. For the record (to my…
-
Unknown loan
My friend is in a mess. Her husband took out a business loan and made himself directors guarantor. He is now in the process of dissolving the company and so has to make the repayments himself, which he or my friend cannot do. They are considering re-mortgaging to pay off this debt. I don't feel this is fair, as my friend…
-
Student Loan solution or not
£30k Student Loan - I plan to clear my son's Loan from my ISA. He will repay me @ £150 for 15 years. I will add £150 extra to my pension @ 40% tax relief. He avoids 6% APR on his loan. I lose approx 6% increase iny ISA growth but get 5 years of tax relief @ 40% then 10 years tax free income from him = £150 /month. I sleep…
-
County court claim after irresponsible lending claim
Type your Looking for some advise on a loan agreement after the loan was upheld for irresponsible lending by original creditor then the remaining balance sold to a debt purchaser who is persuing the debt through the courts. would the credit agreement be void or nullified under the consumer credit act as the debt it relates…
-
Car finance
Can you get personal finance for a private sellers car? Unable to get a loan for credit rating reasons but desperately need a bigger car for health reasons. Does anyone know any good firms who will offer finance personally for a car?
-
Amigo loans compensation scheme
hi could anyone please help me out on this... I'm completely confused. Many thanks
-
Finio/Oakbrook Loans making it difficult to change Direct Debit details
Now firstly I accept that I could well be missing the point here. I'm autistic and I find it hard to deal with something I assume should be simple and is then suddenly made complicated. I have a small loan with Finio that I took out in April and the payments have been made from my current account on time ever since with no…
-
Shawbrook loan
I took a loan out with Shawbrook in October 2016, and just wondered if there was extra charges, a bit like the car finance, I cannot log in on line with Shawbrook to check the account due to getting the loan in 2016, I can only call get a settlement figure not much more.
-
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?
-
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…
-
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…
-
Moved: Honours Student Loans
This discussion has been moved.
-
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…
-
Unilateral Notice of Interim charging order from 15 years ago, nothing paid or agreed since then.
I concentrated on my other debts longing for the more quiet phase that usually follows after they secure the debt. The debt has been sold on and the registered beneficiary on the notice has not been updated and no longer owns the debt. I spoke to the company with the debt now to get a statement and they seemed to have…
-
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…
-
capquest chasing 18 year old debt
Hi, I have received a letter today from Capquest advising me that on 20/12/2006 they took legal ownership of a credit agreement with the AA and i am now to pay them the outstanding balance of £2464 made payable to Opos Ltd They have also advised me they would reduce the debt to £2488 - which is actually an increase - if i…
