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What to include on loan application
Hi, I'm about to apply for a personal loan to pay off car finance and credit card at a lower rate. Found the best deal etc, and checked my credit rating and acceptance, so I know I can get the 2.8% loan, through Tesco finance. But I remember last time I applied online, it asks for current credit card and loan balances,…
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Quick quid
Has anyone received money yet? I have email. For an update no replies for week now When I ring number cuts off after message I know money we get back will be lower than claim. But every atm we can all agree would help. If anyone has received money please let me. Know as giv eme hope mine arrives. Please ty Hope everyone…
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What documents will they ask for?
If approved for a loan. What documents may they ask for? I’m a little worried as I have been on maternity leave for a year, with no pay for the last 3 months (ended this month and now back at work). My husband has been paying most of our bills for the last 3 months due to this. Bank statement will show his full wages going…
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Is it worth paying off a personal loan when inflation is rising?
Hello. As the title says. Is it worth paying off a loan early? A smallish loan I must add. Around £3500 left. As far as I am aware I am qualified for cash back offer if the loan is not settled earlier. However if inflation is so high and looks like it hasn't stopped climbing the debt effectively shrinks in terms of real…
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Applied for loan at NatWest…accepted but found lower APR else where. Can we still apply for that ?
Hi all, My husband & I have applied for a 20k loan over 4 years to purchase a car. We’ve never ever applied for a loan before. Stupidly we went with our bank who offered us 7% APR, we applied and we’re accepted. They are sending out paperwork. In the mean time I stated to worry that the apr was too high. We actually used…
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Student Loan Query - Living at Home in Scotland
My daughter will be starting university this autumn and plans to live at home whilst studying. We live in Scotland so tuition is free and given our parental income, my daughter can borrow upto £5,100 a year. We won't be charging her for rent, food etc. but she has a part time job and bus travel is free upto 22 years of age…
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NVQ level 2 support loan
Hi, can anyone help please. I'm 47 years old currently working part time. I earn £266 per week. I'm looking to do a part time course which costs around £3000. (Career change) Can I get any fnancial support or learner loan to help me pay for it? I can find plenty of information on getting help for any course that is a level…
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Loans at 2.7/2.8 % APR
Hello, I m looking for a loan of 14000 over 60 months, and having looked at ML's section on loans some are advertised at the low APR rates, but why is it that they are only offered to 51% of applicants. ? I've tried applying for a couple but never get the advertised rate.
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HCCF Hitachi Finance
Seems I've made an error in agreeing to double glazing recently, financed by HCCF Hitachi. I called today to ask what I've be expected to pay to end the agreement early, on the basis that I could get a loan from bank 7.9% apr rather than 9.9% HCCF apr. Seems HCCF front load interest, which I assume makes clearing with a…
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Quick Quid redress payment problem
Hi there. I'm hoping for advice or ideas as I’m at the end of my tether! I’m expecting a substantial redress payment from the administrators of Quick Quid at the end of this month (this claim has already been accepted ) As of now they are refusing to pay my redress into my Turkish bank account. They will only pay to a UK…
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Best way to borrow £25,000
I’m looking to get a loan for home improvements, ideally £25k to £30k. What’s my best option please, cost wise? My thought was a loan at 2.9% approx (probably over 5 years) and repay it as normal. Is there a way of taking the loan and the shifting some/all of it to one (or 2) 0% BT cards? Would that be worthwhile doing? I…
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Is the % increase on EXISTING Student loans balances? September 2022
We are debating repaying in full my husbands outstanding balance on his student loan. This has cropped up several times over the years when we have regularly reviewed our finances. Since qualifying my husband has gradually increased his income and is now earning over 50K. So far, in terms of managing our money it hasn’t…
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Over 30,000 247MoneyBox borrowers to receive redress for mis-sold loans this week
Over 30,000 247MoneyBox borrowers, who were mis-sold payday loans they couldn't afford, are to receive refunds of some of the interest and fees they were charged by this Friday (15 April). But they'll get back less than 10% of what they are owed. Read the full story here. And if you haven’t already, join the forum to leave…
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Wonga - repayment of a default
Hi all, newbie to the forum here. I had a Wonga loan (I know, I know) taken out in 2019. I defaulted on it but now with the company no longer existing, how do I pay it back? It is being reported still on my credit report as a default every month. Wonga's site doesn't help Thanks in advanced for any replies.
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Bounce Back Loans and Separation
Hi, I am asking for advise for my sister. Her husband has his own buisness for which she was a shareholder. They have separated and sold the house and agreed he would pay a figure to buy her out of the buisness which has now money has transferred. Apparently she has found out that he took out a bounce back loan for…
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Car finance on mat pay
Hi all! I bought a car two years ago with Arnold Clark and in 6 months I need to pay the full amount which is 9k or return the car. I’ve just started my maternity leave and I’m going to get my salary at 90% for 3.5 months(£2000/month), then it’s the pay from the government (£600/month) so by the time I need to pay the car…
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Provident confirms payouts for borrowers
Provident borrowers who were mis-sold loans they couldn't afford will receive refunds of some of the interest and fees they were charged this July, it's been confirmed. But they'll get back less than 10% of what they're owed. Read the full story here. If you haven’t already, join the forum to reply.
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Salary Finance
I seen a few threads made about it but no real discussion around it. To summarise It's a loan company that provide loans to employees of companies that are signed up to them. It's not a salary sacrifice, just your loan repayments come out of your salary. They claim to offer higher acceptance rates, even people with poor…
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Advice with a credit union
Hi everyone this is my first post so be gentle! I'm quite a bit I'm debt and am finally taking control. I am reaching out to all creditors to reach agreeable payment plans. One of the lenders is planesaver credit union and is salary deducted, I have reached out to them and asked for payments to be reduced over a longer…
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Equity Release/Mortgage
Hi, not sure where the best place to ask this is, but I’ll give it a whirl. I’m under 40. I have no mortgage. I need a LOT of work doing on my house. Is there any way to do an equity release type thing? From what I can see, you can only do that when over 55. Any idea of the best way to release money so I can get things…