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Loans and esw1
Hello peeps not sure if this is the correct thread but.. can you get a secured loan against a property with no ESW1? I need to borrow 40k but I’m trapped in a 700k property that has the value of £0 due to cladding. there has to be a way, any idea? tia
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Creditor ignored Statute Barred Letter
Hi. Looking for some advice. I am being pursued for a debt to CapQuest, who are using Moorcroft as the DCA. I last made a payment on 2nd June 2014. I have only had phone contact once, where I refused to acknowledge the debt and asked them to prove it. No further communication happened until last week. I have sent a statute…
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Loan request after mortgage
Hi everyone! My house purchase is due to complete tomorrow, and the property needs a little TLC. I have some funds, but was hoping to apply for a top-up to a loan I already have to finance some additional work. I will still be living in my current rented property until early September, so was wondering: when applying for a…
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Tappily stopping lending...
Anyone else unfortunately with Tappily? Now stopped all lending as per the below: "Tappily has in recent weeks been paying close attention to the significant changes we have seen in customer behaviour as a result of the current cost of living crisis. As a result of this and following engagement with the FCA we have…
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Interest with Very.
So I'm coming to the end of a 12m 'buy now pay later' period with Very. I still owe £730 and the bnpl runs out on 15th August. I've attached the info on my account. What I want to know, if I didn't pay any of the £730 before then, would the amount I owe them now include the full £397.51 meaning I owe them £1127.51?
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Bridging Loan
My husband bought a van on HP to start a new business venture being a delivery driver. All was going well for the first 10 months. Then it all went down hill. The cost of fuel has made his job impossible. Anyway, we are now stuck with a van costing over £700 a month for the HP agreement and no money coming in to cover it.…
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Provident reclaim interest
Hi has anyone had any information from provident after using their portal for reclaiming interest from loans taken out and classed as unaffordable I have about £5000 in total of fully repaid loans. I was on ESA benefit only at the time and struggling financially when I took out the first loan and the agent and manager were…
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Debt consolidation loan a good or bad idea?
I have nearly £9,000 on 2 credit cards. I often make overpayments but it's taking too long for the balance to go down. I'm thinking of getting a loan to clear the debt as the interest is so much lower and by paying the equivalent of the current minimum payments (plus a £100 per month overpayment), I would pay off the loan…
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Help,Creditspring Scam?
Hello, advice needed please: I recently received numerous text messages from a company called CreditSpring claiming I was behind on my "membership" payments to them and they would report this to Equifax and Experian. I checked my credit report and indeed this company are on my credit file and had taken payments from my…
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Student Loans Company
Hi, I was wondering if a default on your credit file would affect your ability to get a student loan? I can't find any information online. Thanks.
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Personal Loan repayment thoughts
Transferring personal loan to credit card So I just took out a personal loan of 12000 at 11.3%. The first payment is not due until July 30th. A credit card that I have has just offered me a balance transfer of 5.8% and that rate stays until the balance is paid off. Meaning there is no time limit to have it paid. The fee is…
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Loan taken out then used for other purposes
Any thoughts or ideas please Ladies and Gentlemen. If, a person, took a loan out with a bank, being a Unsecured Loan, with the express reason for being for "Home Improvements", and then, being approved, moved those funds, through their bank accounts, and then, they used the full amount of the loan to purchase a fixed asset…
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Car finance. Not something I am familiar with. Advice please.
We are in the fortunate position of being able to spend between £25K to £40k on a replacement car. I am long time retired so no work options, a personal purchase and I tend to keep my car for a long time (10 yrs plus not unusual) so not at all familiar with modern purchase methods. In the past it was a straightforward bank…
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Elderbridge, are they even legit?
One CEO 3 company directors, one of which lives in India? Just Google Elderbridge on gov.uk if you're curious
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First Plus/Elderbridge Secured loan
Hi, I have read several threads concerning so-called 'Good Will' payments being offered by either Barclay's First Plus or Elderbridge. Does anyone have any evidence of 'any' payments/refunds having been paid?
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Loan overpayment whilst snowballing
I've just started snowballing my outstanding debt commitments. I've made an overpayment to a lender who have emailed today to say: We've noticed that you've made a large payment which has resulted in your account being in credit by £300. Currently we're treating this as an overpayment which does not benefit from an…
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Have you applied for a personal loan, then been offered one with a higher APR than advertised?
We need your help. Have you applied for a personal loan and then been offered one with a higher APR than the advertised rate? What happened? How did you feel and what did you do? Would you rather email us? Send your story to campaigns@moneysavingexpert.com. We asked a similar question on the Forum last year about credit…
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CRS
Has anyone had any dealings with CRS. I have been offered a discounted settlement offer on a debt that I know nothing about!. My credit file is A1 with no missed payments or arrears. Online reviews are mixed, but the word scam appeared a few times.should I ring these guys or just ignore it. Thanks.
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Excluding the applicant(s), how many people are you financially responsible for
hi, this is a great forum (for the random questions I have in my head), however couldn't find thoughts on the above. if taking out a bank loan/mortgage what answer should be given to the above question for the following scenarios? before I carry on, my thoughts were that it depended on whether you were financially linked…
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Applying for a loan just after moving into new property - AA Loan
Hi, We are due to be moving into our new property mid July. After battling to find a decent mortgage lender and have our mortgage offered to us we were presented with Halifax who would take us on. My credit score is 'Good' - All my current credit card debts will be paid off before the mortgage funds are released. How long…
