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Barclays First plus
I’m new to the forum I had a second mortgage with first plus 16% interest rate between 2000 and 2014 complained about the interest on multiple occasions to them and FOS turned down 3 times I tried talking to FOS again recently about these historic complaints and they have said they can’t reinvestigate again any ideas what…
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Applying for loan-wrong address
Hi all, searched the forums and couldn’t get the answer I needed. I have moved house, so changed address with banks and I did do the electoral roll. However the credit score apps are still showing as my old address. If I apply for a loan at my new address, will it just fail as the address hasn’t been updated yet? many…
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Firstplus secured loan claim settlement
Hello Forum, I heard that Firstplus is settling for customer complaints (interest rate variation clause), I have borrowed about 65000 in 2004 and early settled the loan in 2019 and paid around 53000, so I paid 15yrs. Can anyone suggest me what possible claims I can make against FirstPlus. 1. interest rate variation clause…
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Loan with Bad Credit
Hi there I was wondering if anyone could help? I am trying to get a loan to consolidate my debt. I have a poor credit rating but loan repayment would not be unaffordable at all, so I am really confused as to why I may be getting declined. Does anyone know of any specialist brokers online who you can speak to and will find…
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Student loan rate increase - your opinions on my idea please!
I have a student loan balance of just over £7K, around £100 per month is debited from my monthly pay. To avoid the interest rate hike to 12% in September, I am considering taking out a personal loan to pay off the settlement amount, then pay off as much as I can afford (will calculate this soon) to settle the personal loan…
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Additional borrowing on mortgage Natwest
So we had a call to ask for 20k additional borrowing and it was rejected she said it wasn't the affordability issue it's something on our credit checks. (Our mortgage is with them) so I done myself and husbands equifax no issues and spoke with them they confirmed no issue must be Natwest criteria but they say its credit…
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Pre 1998 Student loan threshold
Hi i am in the position of very nearly tipping over the current of £36284 which will mean not being able to defer my loans from Nov. I am due to have them written off on 2nd dec 2024 but as you can imagine i dont really want to start paying £200 a month. Does anyone know how they calculate the thresholds year on year as I…
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Having a loan affect taking out a mortgage
Hello, I recently took out a loan to clear up a few debts. However I have savings in a LISA for a mortgage. Would I still be able to apply/enquire for a mortgage although I have this loan.
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Numerous Loans taken by Inexperienced Idiot - Advice Appreciated
Hi Folks, I feel a bit of a fraud coming on here because I
haven't used this site in years. I'll give you the background of the whole sorry
story, but essentially I'm looking for some help and guidance please. In 2019 my mum passed away suddenly. I lived at
home with her and was pretty much used to paying keep each month…
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Tesco Loan
Hello,. I was thinking to apply for Tesco Loan,. One of the questions comes up is total credit card debt and total credit limit, I have large credit limits,. I think total card limit is around 70k. Will that that affect on my application? Thanks
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Private Loan
Me and my then husband had a joint mortgage. His Dad paid off the remainder around £114k and the agreement was to pay him £660pm for 15 years interest free. This term was also the same if we were to continue with our mortgage at the time. No official paperwork was drawn up or signed. His Dad sent monies to his Son's sole…
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CCA breach - covid repayment break
Does anyone have any experience if reclaiming interest because of a Consumer Credit Act breach because of a loan repayment break? my loan provider didn’t show interest during the repayment period on the statement. They also didn’t send any arrears notices.
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Bank of Ireland loan
Hi, recently bought my house and needs abit more work than expected, BOI have offered me 11.9% on 10,000 borrowed over 8 years. I’m no money guru and just wondering if you guys think this is a good deal or I should shop around. This is after I have applied due to I seen them offering 3.1% apr (representative)
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Two in five borrow to pay off buy now, pay later debt
More than half of 18 to 34-year-olds are borrowing money to help pay off their buy now, pay later debt (BNPL), according to research from charity Citizens Advice. If you're struggling to pay what you owe, we've things to try to see if they help. Read the full story: 'Two in five borrow from credit cards, overdrafts or…
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High interest 10k loan. What can I do?
Hey all, long story short I took out a 10k loan around 4 years ago for a period of 5 years. initally when I took out the loan, the interest was around 3%. Unfortunately I thought I didn’t need it anymore so ended up paying the loan back within the cancellation period. turns out I was wrong, I did need the money. Went to…
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NVL Leasing
Hi, Just wondering if anyone has gone through NVL Leasing, seems like a new company.
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Barclays unfair (credit score from 900 to 160) - HELP!
Hey :) Hope you're all really well. A few years ago I got a personal loan out with Barclays. It's the only time I've ever borrowed. It was to give me a runway while I started my business, and to pay for my wedding. After making 18 months of repayments (always on time) I was having a really bad couple of months financially.…
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Car Lease
I am not sure this is the correct section but here goes… So currently I lease a Alfa Romeo Giulia for £425 a month and have 17 months left on a 4 year lease. I initially got this due to a new job but with covid, I lost said job and no longer travel more than 5-10 miles each way every day. Due to this and the very low mpg…
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Novuna Personal Finance
I recently signed a credit agreement for a new kitchen from B&Q. Delivery expected 2nd August with installation booked for a couple of weeks later. The credit agreement stated first payment will be taken one month following the date of the agreement or, if later, the date of supply of the goods/services. They have already…
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Family member loan
Hello! My dad has very kindly offered to lend a family member some money (less than £1,500) Is there any paperwork he can give to be signed to say that the loan was given and the repayment terns? Would it be binding? (Ie, if they don't repay and dad goes through small claims would it be sufficient) It's not a huge amount,…
