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Bridging loan with no proof of income for an expat
Hey guys, I am seeking a hasty bridging loan due to a buy to let build I invested in nearing completion and lacking the funds to complete the contract. I have an income but I am self-employed with only my own personal accounts so not sure it would be sufficient evidence or not to satisfy their criteria. Therefore, I am…
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MSE Guide: Should I get a loan if I have a bad credit score?
This is the place to discuss our new Should I get a loan if I have a bad credit score? guide. We'd love to hear your thoughts, personal experiences, and general feedback. 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.
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Tesco bank loan declined at final check
We applied for top up loan with Tesco bank on 4th September and at
the time of application we met their criteria that 8 consecutive current loan payments had been
made and the loan was approved. We
received the paperwork and this was signed and sent back . In between time the current tesco loan payment
due on 15th…
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Loan for extension
Hi, I want a loan for a house extension. My first thought was the overpayment I made on my mortgage four years ago. It's approx 1/4 of what I need. I called the bank. They told me that I couldn't access this amount as the amount had been applied to the mortgage & monthly payments recalculated. They told me I would need to…
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Tesco loan
Applied for a Tesco loan this morning which it said was approved. I haven't had a confirmation email. Just wondering g if anyone has applied for a Tesco Loan recently and did you get a confirmation email? Also, how quickly did the money come through?
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Advice about Loans for Pensioners
Can anyone help with advice?.... I’m wanting to research any safe and reputable loan
providers for an elderly relative. He is 75 years old, and fully owns his Flat – no mortgage on
it. He has to raise some finance for his contribution of
replacing the roof on the building (the are four Flats in one building) and he
has…
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Cash Poor but Asset Rich
Hi there, I find myself unemployed for longer than expected and have run out of cash. This means that I am behind on payments for my mortgage and other unsecured credit. I have a large amount of equity in my house (about 75% of the value) and if I can access a relatively small amount, then I can get up to date on all my…
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Disappointing APR offer
I've applied for a loan to buy a car from First Direct. Although the loan amount is high, my credit score is 999 and the repayment affordability check came back clear. They're advertised APR for the amount I wanted to borrow was 6.4% (slightly higher than the best rates out there but I already bank with them and foolishly…
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Loan when on universal credit
Is it possible to get a loan when you are receiving universal credit?
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Credit Cards vs Consolidation Loan
Hi all, first time poster! I'm in a bit of a pickle, and have 3 sizeable credit card debts that have stacked up, that I am paying a horrible amount of interest on. I have been offered a loan via my Bank to repay these, and consolidate into one (with no penalties to pay back sooner) I will be receiving a large amount that…
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Keep savings, pay off mortgage or buy a new car in cash?
Hi, We're in the very fortunate position of having a good chunk of savings (about £60k) and are about to buy a new car (about £40k). However, we also have about £300k remaining on a mortgage (20 years left) and will need to remortgage before Feb 24. I'm looking for advice on whether we should pay cash for the car (because…
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Credit check when you own a home, but not the one you live in.
Hi folks I moved into my partners house and started renting out my own. I've lived in her house for over 3 yrs and just rent out my old one now as an investment. I'm applying for some credit but don't know how to answer the homeowner/renter question. Yes I own a home, but if they want to run a check on the land registry or…
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Additional loan - use existing lender?
I'm trying to get to grips with the loan eligibility tool and which lender to approach. We currently have a joint loan with Tesco with approx £2500 remaining. I also have some credit card debt in my name only (0%). My husband has no individual debt. Neither of us have anything onerous in our credit files. We want to borrow…
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Settlement figure error
I am looking for some advice, I had a loan that I asked for a full and final settlement on. I received the letter confirming the settlement amount and I paid the amount the same day. 7 months later I have received an email from the lender advising me my account is in arrears. I explained to them I had paid the settlement…
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AIB Loan issue
The past two emails from Martin detail AIB as having the best rate for loans. Just be aware, you need to create a new bank account with them and register for online banking to take out a loan. I was not going to go through the hassle of creating a new bank account (which can take up to a week I was told by AIB) and then…
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Low credit score. Where to go?
Can someone please point me towards loan provider that is known to give highest possible personal loan amount? No adverse but short time at the current address and on the voters roll means low credit score. Not interested in guarantor and simillar arrangements.
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Paypal Pay in Three Issue
I have noticed over the past couple of months that when I have gone to make a payment using Paypal the 'Pay in 3' option is no longer available and now never shows up. I used it a lot over several years previously and always paid it off on time etc. but with the same merchants who I used it with previously it is not not…
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Paying loan off after 1-2 months
Hi, I want to sell my car privately to maximise the amount i can get for it but it is on PCP (3 years into the 4 years), the dealer has said I need to pay settlement figure before I can sell. If I was to take a personal loan out for the settlement figure to pay it off, sold the car then paid the loan off in 1-2 months,…
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Can zero mortgage or rent payments prejudice a loan application?
as it says really, i wonder if this is a red-flag on loan applications which automatically mean a decline, largely because they think you are trying to pull a fast one? My living arrangements are such that i don’t pay rent or mortgage, as i live with my wife and the house is in her name (and owned outright)… however there…
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AMIGO LOANS
Hi, I understand this company are in wind down for 12 months. Can anyone explain what will happen to existing money owed to this company after the wind down process has finished
