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Credit Repair becomes downfall???
Evening All, Over the past few years, I have taken advantage of the multiple Credit Cards offered to me under the premise of Repairing My Credit Score.... however, it would appear that in doing so, i have inadvertently reduced my affordability score due to the amount of credit available, even if I have not used it. Am i…
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HELIODOR HELP PLEASE!
Hello I am desperately hoping someone will be able to advise me. I was recently refused a loan. This has never happened to me so I was shocked. My bank advised me to register with Experian, which I did. On my report there was a loan with Heliodor that I had no knowledge of. It has ticks to say it had been paid monthly for…
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MSE News: High-cost credit firms SafetyNet and Tappily fall into administration
Credit providers SafetyNet and Tappily have collapsed into administration and stopped taking on new customers – but there's no immediate change for existing borrowers. Both former and existing customers can still submit mis-selling complaints, though there's no guarantee you'll get anything back. Read the full story:…
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Will they not take direct debit?
I made an overpayment on my loan of a similar amount to my direct debit. This was made before the direct debit amount, but Virgin have not taken my direct debit today (bank says it was due today). Is this due to the overpayment? I had budgeted for both payments, I'm just trying to work out what is going on. Thanks in…
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Address to use for loan
Hi there, I'm in a bit of a conundrum as I am moving and have decided to get a loan to cover furnishings and also to consolidate my current debt. I'm on top of my cards and have a good credit score so all should be good but the issue is I moved from NI to London 6 months ago but as I knew this would only be a temporary…
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Small claims court
I live in Scotland. I have a dispute with someone living in Wales, In which country do I start the process
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0% deposit finance (PCP)
Hello all, I see a lot of dealers offering 0% deposit finance. It seems to easy to pay no deposit upfront and drive away with a £13k ...Seat Arona Are there any downsides to paying no deposit?
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I think I'm right...?...to pay off or not
We have a loan @3% which we used 18 months ago for new windows and doors. There is approx: £3k left on it But our savings get 4% So...better to just keep paying it off and putting money into savings? It does seem odd to not pay it off
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PCP contract terminated by BMW
Hi all, On the 20th of December, I found out my agreement had been terminated by BMW, and vehicle repossession had been instructed to Engage. I only realised this as I had logged onto my online portal to locate a previous settlement figure, upon seeing there was no agreement, I then immediately made contact to BMW…
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What checks are car loan applications subjected to with regard to obligations on other cars?
Hello all Happy New Year and all that business! Cut a long story short... (hopefully)... I'm slightly under 50% of the way through a lease which I'm potentially being released from due to an odd set of circumstances. Given the state of things generally in the economic landscape and how much I need or want an expensive…
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Need urgent help. Pcp vs lease purchase
I’ve done a bit of Googling but still confused.Can somebody tell me the difference between pcp and lease purchase from what I understand Pcp has the monthly payments and a final balloon payment with 3 options at the end: -hand the car park at the end and walk away-sell the car and pay off the balloon payment and any…
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Car Subscription
Hello, we see lots of adverts these days on car subscriptions like Onto and I think there is one from Volvo. Do any of the forum members have experience of car subscriptions? Is there a catch?
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Borrowing for house work/cellar conversion
Hi I have had some quotes to convert the celllar/basement in my mortgaged home but have been put off borrowing with the current interest rate rises. Is there any other options out there other then additional borrowing/further advance on current mortgage? Expecting to borrow between £40-£60k (North of England) with a mix of…
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Loan being sold despite a charge on the property
Hi there, I hope someone can advise me on this complicated situation. In 2009 I had a large Overdraft with Lloyds Tsb/Black Horse. To deal with this they made it into a loan (in the name of Black Horse) and then got a CCJ and a charging order on my property. In 2010 I started an IVA and mistakenly added in both the amount…
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Employee loan repayment
I worked for a company for 6 years, in that time they gave me an interest free loan. I have just scored a better job, more money and better prospects. I handed in my notice and within an hour the company demanded full payment, £3k before I leave. I emailed back saying sorry this isn't possible but I will continue making…
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Post Office Loan Interest Rate
Hi All, Recently applied for a PO loan as the interest rate seemed competitive in the current market! Initially did a 'soft search' and it gave me a 9.9/10 chance of getting a interest rate at 5% for loan. On that basis I completed a full application and at was offered a loan at 10% interest rate. Obviously, this rate is…
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Asking for cvv number
So I’m looking to get a loan but the company I am trying to apply with is asking for my cvv number. Is it safe to give them it? I’m worried it might be some sort of scam, it’s lending stream I am applying with
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Beyond loans?
Has anyone used beyond loan before. There asking for pretty much every detail on my card is this safe?
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Bridging loan for park home?
We’re selling our house and moving into a retirement park home site, we’d like to buy the park home first because it needs work, and put our house on the market at the same time, so we’ve got somewhere to live whilst the work is completed. There are no mortgages involved, we don’t have any loans.. Our bank isn’t…
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Payday loans
Hello all. I’m wondering if you would be able to advise me. I fell out of work for 5 months in 2017 and took out payday loans to pay my credit cards debts so they wouldn’t go against me. By the time I got back into work my debt doubled. I just want to know would I be entitled to a refund from the creditors? The creditors…
