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Recommendations for PCP finance deal brokers.
Good evening, Looking for some recommendations regarding PCP finance deals. My wife and I are looking to replace our car with a nearly new used car on a PCP finance deal. Most dealerships are offering finance with around +/- 10% APR. After a search online it seems there is not many companys willing to do a PCP contract for…
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Advice needed - Loan that wont kill my mortgage offer.
Hi All, I am hoping one of you may be able to suggest a
solution to my problem. I had an offer accepted on a new build using help to
buy back in June but as I have one default on my credit report from 2017 I
wasn't able to go with a major lender at the time. My mortgage company took 8 weeks to approve my
mortgage and so…
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Student for 3 Months - Pay it off?
Hello, I was an English student in Scotland who dropped out after only a few months in 2017. I have enough money in savings to comfortably pay off the Student Loan in full. Should I do so?
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Being Charged For A Student Loan That I did Not take out
I have never taken out a loan and have never been to uni. I started at the NHS in June. I worked in a care home before, so I’m used to not being paid properly, but this is too much. Payroll says: Oh, you probably filled the form wrong. Nothing we can do, ring HMRC HMRC: Okay, it should be sorted on your next slip. Any…
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Car loan
Hi, I am thinking about changing my car and the finance on it finishes next June. Am I better waiting until then or would it not make much difference?
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GoFundMe for loans?
Hi, Does anyone know of a service like GoFundMe but for loans? What I'm after is a peer-to-peer loan service but one which allows individuals to seek funds for arbitrary projects / causes. It seems like the peer-to-peer market has gone through a consolidation period over the last few years, and all the UK peer-to-peer…
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Santander overdraft- they say not as costly
Hi I’m with Santander and have an agreed overdraft and when I enquired recently what the monthly overdraft charge would be for a nominal £1000 over one month, the bank said it’s 39% but that’s annual charge so divide by 12. Anyone able to share what £1000 per month on the 123 lite account would charge? Many thanks
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Elderbridge
I made the mistake of taking a £65,000 loan out with Barclays first plus loan back in 2006, to consolidate and make home improvements. We have tried to move house but at a final stage we were informed that Elderbridge would not permit the move, on top of that Elderbridge are keen to raise payments in line with the interest…
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Live in my partners house, whats my status?
I live with my long-term partner, we aren’t married, but basically are in all but name, she owns our property outright and i don’t pay her any rent. So confused on the question on loan applications re your residential status.. i’m not a tenant as i don’t pay rent and don’t want to put this obviously, as would need to put…
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NatWest loan approval process
Hello! We applied for a joint home improvement loan. We were sent the electronic agreement yesterday and we both signed it and it asked my partner a couple of questions about his address history. No questions for myself. We both signed it online. Im just wondering if anyone knows what the final checks are and what they…
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Not getting offers with very clean file
My bankruptcy recently fell away from my credit files, yes have checked all of them, and its now super clean, have paid all my cards religiously for 6 years as well as phone bills etc.. naturally all the ‘scores’ went through the roof once the BR fell away but i’m not getting any offers from a couple of searches..in fact i…
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PCP or buy outright?
I'm in the process of looking for a replacement for my car as it's getting more expensive to keep running. I intend to keep the car for a number of years, well past the duration of any finance deal. I'm trying to decide if it's better to buy it outright up front, or to take advantage of dealer contributions (£1k-£2k…
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FOS High Interest Loan Complaint
Hi all, Just looking for some community opinions. I recently had one complaint for a High interest loan upheld by the FOS so I decided to make another one for a second High Interest Loan taken out around 4 weeks before the upheld one. This one has not been upheld by the adjudicator and is now going to an ombudsman. One of…
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Statute barred loan
Hello everyone, I'm looking for an expert opinion on an old payday loan I had from MyJar. On the 15th August I recieved an email from MyJar about an old loan I took out with them, (which I defaulted on many years ago, they went into administration in 2020) and a followup email from the debt collector on the 25th August…
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Guarantor for loan
A family member has asked me to be a guarantor to enable them to get a loan. What are the risks for me if I say yes. Thanks
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Klana - no discount alllowed
Two different retailers have told me the instore or online discounts can’t be applied if paying for goods via klana. Why is this? It doesn’t feel right that people needing to spread the cost over longer are penalised and need to pay more than someone who can pay that day. As if that’s the case it’s not really interest free…
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Equity Release Heartbreak
We lost our dad just over a year ago and as our mum has dementia we took over as power of attorney. In May mum had to be moved into a carehome so we have put her home up for sale to cover carehome costs. We found out that in 2005 our parents took equity release with Scottish Widows of just under 35k and the repayment for…
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Paying off one loan at a time?
Hi everyone I have a few loans that I have been paying. It occured to me that instead of paying small amounts to each loan and gradually pay off. Doesn't it make more sense to pay off a huge chunk off one loan each month quickly getting rid of the smaller loans to allow even bigger chunks to be gradually paid off the…
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I need to borrow £100 for 6 days. Which is the best payday loan provider to go through for this?
I have looked online and many of them seem fishy. Thanks.
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Early Settlement question
Is it always the case that if you take a out a personal loan (for a car, home improvements, debt consolidation etc) is it always the case that the lender has to offer the option of an interest rebate if you pay off the loan early, and if so, are there rules as to what percentage (or whatever) of the interest they have to…
