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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'.

Personal Loans Shopping
Hi, Martin Lewis is saying the advertised Interest rate is not what you get. So how do I soft search all the loan providers and will the rates from the comparison search results be the rates I get? If not then that means I have to do hard searches to know the real rate that the loan provider will give me? What it is I have…
Next 3 Year Interest Free Credit Decline
I have a perfect credit score with Experian yet I was declined the advertised 3 years interest free credit by Next when wanting to buy a sofa recently. Next have have either been unable or unwilling to give me the reason for my decline despite my formal complaint to them. Experian said they knew no reason to decline. I…
Who gets best loan rates
I may need a loan next year for home improvement, hoping not but if we exceed the budget may need to. I did two sift check eligibility quotes for 20k over 5 years. One came to 9.1% the other 8.94% so very similar. My affordability on the mse checker is very good, i do have 20k at zero percent deals on credit cards with a…
Have I just been missold car finance?
Hi, I’m hoping someone may help as I’ve never taken out a loan/finance before in my life and I’m certainly of a certain age! I bought a car just over 2 weeks ago and had the funds to pay in full. However, I was encouraged to take out £5000 on finance as that was the only way the dealership could give me any kind of…
New MSE car refinancing guide
Got car finance? Test our new guide & tool to see if you can refinance to save £100s or £1,000s? We're testing a new guide, to see if people on PCP or Hire Purchase deals can save by Car Refinancing. It's brand new territory for us, so we wanted you to go through it, see if you understand it, whether you think the guide…
Car Finance
Hi have a ballon finace on my car with VWFS would i be able to swap for a cheaper repayment option with other company for a lower rate ? as car is 25 plate
Post Office Loan transfer
Hi,Hopefully someone can give me some advice.I had a Post Office loan which ended last year and received confirmation that it was paid off. Today I got a letter stating that my loan has been sold and my account details are being transferred to the new loan company.I am not happy that my details are now being sold to a…
Klarna selling a debt that was never a bad debt and was closed months previously.
Hi there, first of all let me apologise for being a watcher and not a contributor, so here goes with my first post. This is something that has occurred to me this week and I am just putting it out there to try gauge the extent of the blunder. Rather than to trying to write pages on what I have discovered, about the…
Cheap personal contract purchase
Cheap personal contract purchase guide. Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro Guide.
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…
Moneybarn Car Finance
I bought a car with moneybarn paying £388 a month. To be honest I didnt realise how much the APR was. The car was massivley overpriced. I have since sent the car back as I fell behind with payments and couldn't afford the monthly amount. This was after bout 2 years. They have since sold the car at auction at about £3-4000…
Evening
Hi We need to borrow around 25k for home improvements. We are in a good position that we can do it is as additional borrowing or on a loan about same apr What would be best a loan on additional borrowing on our mortgage Thanks
HSBC ARE NOT GIVING ME INFORMATION AFTER 2 YEARS OF ASKING
When I got sick several years ago, citizens advice took over my depts with my ex wife giving them the details, I have been paying an account with moorcroft , but recently saw the balance was over £17000.00 since I never had any account with HSBC for any thing like that amount I contacted moorcroft and explained this to…
Advice for credit agreement complaint
Hello All, I'm looking for a bit of advice, perhaps from someone who may have had a similar experience to me, or someone in the know. I have an account with a financial provider, well known, limited company, all above board etc. and Allows me to purchase products and pay monthly over a set period of months, I have used…
Debt Collectors Different Strategy
Hi Folks, I've read the threads suggesting you send the "prove it" letter when recieving a letter/demand (£4,500) in our case for a debt that isn't yours. But we've tried that, and they're refusing to provide any information about this debt. The only information they've provided is that the account was created in 2001. So…
Why commission on ALL car sales credit agreements was bad for consumers
Martin suggests that we should think twice about complaining about commission to salesmen - I know the FCA will probably go for a no-claim approach IF the supreme court holds up the appeal court ruling, but the way commissions were applied absolutely disadvantaged consumers, and his stance disappoints me. We used to be…
Bank Account for New Business - stay with current bank or branch out
Hello, I intend to open a new business bank account for a limited company. Is it best to stay with the bank which holds my personal account as they know that I am credit worthy as have had loans before and always paid them back without missing payments. I’ve seen another bank which offers better terms for new business…
Personal Guarantee
Hi All, I took out a Buy to Let Mortgage 3 years ago with a 5 year fixed term. The solicitors messed up and didn’t get me to sign a personal guarantee at the time I took out the loan, and are now asking me to sign it as the lender has requested a copy. I don’t think it is reasonable for this to be requested 3 years later,…
Paypal balance
What is the best way to pay off my paypal balance. Currently only just paying interest, want to clear it
Is a company geniune called Quick Money
Hi, I am suspicious but I just need confirmation. I have been applying online for a loan, but due to my poor credit history I have been rejected. However, I am being called on a daily basis from a mobile number from a company called Quick Money. They sound like they are working in an Indian Centre. They claim there website…

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MSE News

Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payments this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.
Which NatWest and RBS branches are closing from 2025? Here's the full list – and banking alternatives
NatWest and Royal Bank of Scotland (RBS), which are both part of the NatWest Group, will shut at least 108 of their bank branches in 2025 and beyond, after the Group announced a further 52 NatWest closures.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
Winter Fuel Payments will be reinstated to all pensioners in England and Wales this winter – but will be clawed back automatically from those earning over £35,000 a year, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up. MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis.
Car finance mis-selling update: regulator prepares for compensation scheme – and warns against using claims firms
Payouts for mis-sold car finance could be another step closer as the financial regulator has set out the factors it will consider if it were to introduce an industry-wide redress scheme – though we won't know more about how this will work until after a key Supreme Court decision expected in July. In the meantime, the regulator has warned that you DON'T need to sign up with a claims firm to be included.
Winter Fuel Payments to be extended to pensioners earning £35,000 or less – here's what we know so far
Winter Fuel Payments will be extended to all pensioners with incomes of £35,000 or less this winter, the Government has confirmed. It means nine million pensioners will get the £200 or £300 top-up.
Winter Fuel Payments extension confirmed for this winter – watch Martin Lewis' instant response and his message to the Chancellor
Winter Fuel Payments will be extended to more pensioners this winter – though not to everyone – the Chancellor has today confirmed. However, exact details of who will now qualify still remain scant. Watch MoneySavingExpert.com founder Martin Lewis give his instant response, as well as his key message for Rachel Reeves.
Nationwide Fairer Share: Free £100 bonus confirmed for 2025 – here's who will get it
If you bank with Nationwide, you could get a free £100 paid into your account in June or July as part of the building society's 'Fairer Share' scheme. The bonus will be paid to millions of its current account customers who also have savings or a mortgage with it.
Forced onto a prepay energy meter? You may be due money back as 10,000s to be compensated
If you had an energy prepayment meter forcibly installed or your smart meter was remotely switched to prepay mode without your permission, you could be entitled to compensation of up to £1,000 and may even be eligible to have your energy debts written off.

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Loans

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