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Apr MILES higher than expected - what to do?
Hi I applied for 10k for a car loan. On mse website it had representative 4.9% and while I know not everyone gets that, I almost keeled over when it came back at 8.9% I've always previously had excellent credit rating. I have in the last 2 months only made minimum payments on my credit card by accident. Literally never in…
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Arrangement to Pay
So I agreed on an "arrangement to pay" on a loan I had fallen behind on the repayments for. I have had no end of issues since this, my credit score has plummeted to the worst its ever been and I cannot get finance for a new car which I desperately need. The issue being they arrangement to pay payments are showing as missed…
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Can I include rent paid by employer in my total salary?
Hello My employer pays for my rent and this is deducted from my overall salary. When applying for things like a mortgage or a credit card, am I allowed to include the amount of rent that my employer pays in the figure I put for my salary, or must I only put the amount that it says on my payslip? I have searched the…
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Credit Union Loans
I've been a CU members for over 50 years and if truth be told the number of loans I've taken out were minimal; I save to support my community While I may have been a member for over half a century when a friend asked me what the CU interest rate was I replied with confidencec1.5 percent per annum on the on paid balance but…
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Best lender to apply from for personal loan
Asking for a friend. My friend is working through agency and wants to take out a personal loan. His hours and pay do wary substantially between the different months, therefore to maximise the amount available to borrow, ideally he would need a lender that would look at the last one or two months of salaries as opposed to…
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Loan between family, is this fair for both parties
Hi Trying to help a couple of people out and I’ve no idea how to work this out. Everything is cool between the 2 parties and it’s just a check to make sure it’s fair. In 2009 Person A lent Person B £35k since then B has been paying A back at £200 per month, at the end of each year it’s been paid back as £2k capital and…
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Pre-approved loan for consolidation
Been looking for a loan to pay off my credit card (approx 11k) which mounted up buying bits for my house renovation. I currently have a small personal loan with Zopa which I am looking to increase by 18k over 5 years which will clear my credit card and the remainder of my car HP agreement. The monthly repayments are the…
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Removal of a Charge on my property
Hi all - I agreed to a charge being placed on my property in 2012 (long story) which I discharged in full in 2017. I have evidence of the final payment, bank transfer etc. and the original letter asking for the final lump sum payment. However, the charge is still registered with the land registry. I emailed the beneficiary…
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Effect of debt consolidation loan on Universal Credit
Hi. I have debt of around £16,500 over two high-interest credit cards which I am struggling to make any headway with with. I cannot afford to pay much more than the minimum payments. I would like to apply for a cheaper debt consolidation loan at a significantly lower interest rate. If approved, on receipt of the loan I…
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Options on loan
Hi, i have found out today that i am taking a paycut to the tune of £6k per year i am in a commission based job and they have changed the pay plan. I have a loan with Santander at 2.9% apr. I owe £11000 on it and i have £11000 in my isa. This was for a car that is also worth around £12k. The cost is £235 per month over 5…
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Need some capital.. have very good cash flow history on biz bank account over last years
Hi there Sorry if this is a basic question but I've been out of the UK for 3 years and haven't really had much communication regarding banking and what not.. I have a very good cash flow biz that is doing about 5,000gbp+ per month profit... but there's maybe triple that coming in and out for costs and what not.. So I was…
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Help Required - Removal of Second Charge from Deeds - Elderbridge
I am currently trying to get a second charge removed from my deeds. The loan was repaid 2017 and we are having a hard time getting it removed. Is there a legal responsibility on the loan company to remove the legal charge when the loan is paid as we have 2 charges one with First Plus and one with Elderbridge who bought the…
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Mortgage Overpayments
Hi, Please can I have some advice on mortgage overpayments. I paid £20k off my mortgage (max amount I can for this year). They have adjusted my DD automatically for a lower amount. With so many transactions, bills etc the difference from my previous DD will just get lost making the overpayment redundant. Can I increase my…
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Remove very old charging order from 2007
Hi can anyone help. Debt originally with Egg card. Then moved to Barclaycard Which I have both ref: Then moved to Eversheds 2012. I've called them all and a solicitors dydren fairfax they suggested but cannot find this debt. No clue if ever paid as not with husband now and can't ask. So have no evidence other than refs. I…
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am i blacklisted because i looked at legal action re a previous top up loan?
Curious to know -perhaps its just in my tiny brain BUT - a few years back I was not happy at all when i asked for a loan extension, and was given one! Without dragging this out, although an intresting read it might be, basically i got my loan extension - a few thousand pounds - but then by chance - didnt require it (…
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Payment plan
Hi Im currently on a proven plan with Lloyds which is due to end may Loan payment is currently £647 a month arrears was £3021 now £1899 Loan stands at £6700 When plan started loan was at 11000 i also have a Lloyds credit card which was £1700 now only £181 left to pay i also had a overdraft which was £900 this has been paid…
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NatWest personal loan approved at soft search
Hello, I am a Natwest customer and started a personal loan application with them, which initially gives you a quote after a soft search and then you can decide whether to proceed. After entering my details and the soft search it came up “Great news you have been approved for the loan you want”. It then outlined the details…
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Lending to a family member in the USA
Not sure where to put this........We are going to lend a family member in the USA £20k, we can afford it and she needs a new roof, she was going to get a loan but we offered so she would save on interest. We have accounts with Nationwide, Halifax, HSBC and Paypal. What would be the cheapest way to send her the money? (she…
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Searching for credit. Paypal as a lender?
Hello,I need a £5k loan for a car to commute a couple of days a week to a job I'll be starting in September. I'm having a hard time finding credit because I'm self-employed (and will continue to be, even though the new "job" is a permanent contract for the next few years), and because I'm receiving disability and working…
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Take pity - which company is more likely to give a helping hand.
Random questions - no lectures please! you know who you are!! So, out of ..the likes of..Creation, Sainsburys, Tesco yadda yadda...any thoughts on which company more likely to take pity and give out a loan?
