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Help with Loan
Hi My Wife has an outstanding Loan,which she is having difficulty paying. The current amount of the Loan is around £14000. She has been paying £480 a month for a while now, she hasn’t defaulted on the Loan but is finding it hard to keep the Payments up. She currently works part time on a Zero hour contract so isn’t…
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Tesco Loan
Hi, I am looking to apply for Tesco Loan. One of the question it asks totals credit card limit. I have a very large credit limits on several cards. I wonder if anyone applied with too much available credit and still got accepted with Tesco Loan. The acceptance were showing 80% with there eligibility checker. Thanks MS
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Debt Consolidation Loans
Hi folks!Hopefully you can help.I tried to take out a debt consolidation loan through Santander recently but was rejected due to having too much debt to income. Seems a little silly to me as I was applying to consolidate my debt? Question is, when applying (screenshot attached), where it asks for monthly outgoings, I…
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small business family loan
My daughter has opened a small one person business. I have loaned/given her some money to help start the ball rolling. She is not making very much money and just about ticking over which is fine because it is a lifestyle rather than trying to build an empire. She has bought some equipment with the money that I have given…
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Loan Overpayents - how does it work
Hello, I took out a loan a few months ago, and I knew I was going to be in a position to overpay after a short time. My question, what actually happens with the overpayment? I am aware that most loans have the interest front loaded, so at the start of the loan, the portion of the monthly payment that goes on interest is…
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Loan company asks to access bank account
Top company on a MoneySavingExpert loan search-'Rate Setter' asked to access my personal bank account before they would approve my request. Is this normal these days?? I declined & chose a other loan provider.
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To loan or mortgage
Hi everyone, My wife and I have been in the fortunate position of living loan and mortgage free for over 15yrs now. We are wishing to overhaul our gardens and patios etc. and are also contemplating creating two garden rooms. One for my home hybrid office and the other as a craft room. As we've been out of the loop with…
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Earning from a loan
HiMy son has a week left to decide if he wants a 25k loan over 5 years..at 2.9% he will pay back £1886 in interest...however if he put it in a high interest account at 3.45% he will earn £4699..is this legal? Kevin
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Bridging loan requirements
Hello, I am hoping to obtain a bridging loan however I am a little worried as I received a criminal record for fraud over 8 years ago. This was a one off mistake during a difficult time in my life, which I have learned a harsh lesson from. my question is, as the conviction is now spent and was over 8 years ago. Would I be…
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My Community Bank Loan
Hello everyone, I got a fairly hefty loan from My Community Bank and I pay approx £550/m. I'm now in a position that I can make over payments but I've noticed that the over payments are reducing the term of the loan but are still being split between principle and interest. I phoned them today to ask if my over payments…
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Wedding/Engagement Rings in Pawnbroker Help Needed
My first post. I am new to the forum, hoping I have this in the right place. I am here to help a family member who has been victim to a huge trust fraud online. It's having some pretty far reaching effects on the family and though I work in finance, some of this stuff is very new to me. One of those new things, is Pawn…
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Old Style Student Loans Help Please
Hello, I am wondering if anyone can offer me any advice. I have read through many other posts regarding these loans but i'm still unsure where I stand. I have 3 student loans originally taken out with Student Loans Company in 96,97,98. In 2008 2 of the loans were taken over by Thesis Servicing Ltd. every year deferment…
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Cheap Loan deal - not so much
Just tried to apply for the current best offer for a £15k loan from Finble advertised as 2.7%. Got accepted for the load but the APR is now 8.7%. Has this happened to anyone else? Is this common across other providers?
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Credit union loans
Hi, Can anyone who has ever worked or volunteered in a credit union please explain the way the loan process works and how long it can take to find out the decision? Thanks in advance 😀
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Student Loan, not taking full amount
My daughter has been offered the full maintenance amount but has also had a relative offer to pay the accommodation fees for them as a gift. So they are in the very fortunate position of not needing the full student loan offered. Is there a method of taking a lesser amount from the loan company and is that worth doing ?…
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LoanBNPL Options
Hello All, Long time stalker, first time poster. I want to purchase a lot of home computing items (e.g. two in one laptop and tablet, printer, printer ink, printer paper, speakers etc) over the next few months and the cost could come around to around £800-£1.2k (depending on models etc). My current laptop is too slow and…
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Lender not honouring better rate
Recently took out a loan for home improvement. Needed funds quickly, shopped around and waited for as long as possible before applying through Clearecore to Ratesetter. I was 100% eligible and received 10.9% apr. I’m within the 14day cooling off period and I had an inkling that my offers might have slightly improved so I…
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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…
