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What bank details to lenders need to be able to take money from your account?
I took out a loan but have since got a new card and my old card has been blocked... I'm not sure which bank account details to e-mail to the lenders letting them about this. Thanks.
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‘Highly likely loan’ Natwest
Natwest (who i bank and have a joint mortgage with) have advised that i am ‘highly likely’ to be offered a loan of £20k over 5 years subject to checks. I have just done the soft check for 15k over 4 years but have been declined. This will be used for home improvements. Is there a way i can see what i could be accepted for…
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Loan Repayment
Took a loan out for £11,000 with at a rate of 2.9% making the total repayable £11,842.10 Monthly repayments are - £197.37 - payment due 1st I've got the money to pay off the final settlement figure of around £9,500 Just looking for some advice on what is the best course of action?
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New car loan
Good afternoon, Me and my other half are looking to buy our first decent car, we’ve been using older cars for a while, and even through they serve there purpose well, this years MOT costs about 40% of both cars value, and generally my feeling is they’ll only get worse or go bang. I never really borrowed a large amount, nor…
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Secured loan
Hi and hope you can help. Is it possible to have an English secured loan on a Spanish property that is owned outright? It’s for debt consolidation. TIA
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Turned down for loan......
I have been turned down for a car pcp with whom I have a pcp and my bank for a personal loan for a car. Both have used credit agencies scores with whom I have defaulted over credit cards less than six years ago. However, I intend to purchase a new car to replace the existing car using the same amount of pcp I am already…
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UK loan for British Citizen living abroad
Hi, Ive recently moved from the UK to France, but am working in Switzerland. I need to buy a car over here ASAP but dont have the money readily availble. Are there any UK banks who will lend to me in my situation? My French isnt good enough to understand the product i am agreeing to, or to really search for what i am…
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Repaying 0% loan
Given the MSE advice "borrow as little as possible, repay as quickly as possible" does that still apply when I have a 0% loan. I have £12000 at 0% for 5 years. I also have the money to pay off in full but with interest rates on savings products rising should I really use the £12000 savings to pay off the 0% loan or should…
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Getting a loan with nothing in the post
I am hoping someone here can help me. My current partner is very protective/jealous and they insist on seeing all of my post and correspondence. I know that he also checks my phone whenever I leave it lying around. I have a good income, but I need more control of my own money. Are there any loan providers who will allow me…
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Can't claim Student Loan refund
Hi, Student loans company keep sending me letters saying they owe me £177 which i overpayed in Student Loan. They send me a letter with a phone number to ring. When i ring the number, the Phone-bot says it has sent a number, and asks for this to be keyed in...however, i dont have a smart phone, so i cant get to this number…
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PCP plus Gap Ins Plus Tyre and Alloy ins Plus Minor Damage Plus Fabric and paintwork protection
Son has been for a pcp quote at a dealer for a 3 yr old car and all the above ‘optional extras’ were quoted adding £40pm to a £230pm quote. Are any of the really needed or just a commission earner?
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Nvl car leasing
Hello all NVL leasing ltd looks like a relatively new company and just wondered if anyone had leased a vehicle from them successfully? Can’t find much on them. Have awful credit and been accepted by them but no paperwork was sent across to them prior to acceptance - no bank statements or wage slips. They have asked for a…
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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…
