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Student loan- should I take it or leave it?
I am entitled to £11k student loan for the past academic year. I did not previously claim the loan as I am working and don’t need the money. So I saw no point in paying interest unnecessarily. But with the cost of living crisis looming I am now wondering if I should take it ‘just in case’. My husband died a year ago and…
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Almost 80,000 QuickQuid borrowers will get back half of what they're owed for mis-sold loans
Around 78,500 QuickQuid and Pounds to Pocket borrowers, who were mis-sold loans they couldn't afford, will receive refunds of some of the interest and fees they were charged at a rate of 53.5p to every pound owed, it's been confirmed. Pay outs are expected to be sent within the next two weeks... Read the full story here:…
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Loan help!
This might sound like a daft query - I am wanting to apply for a personal loan to fund a car purchase. Only going to go through with it if they offer me at 2.8% - during the application process it is asking for direct debit details - after completing the application do I have still have chance to reject the loan or are the…
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Large Car Loan
I’m looking at buying a brand new car for £39k and not quite sure how to finance it. The dealer is offering 4.9% apr on a pcp deal. I just wondered if it would be cheaper to go through a different lender and not the garage but I can only seem to find car loans online up to 25k. Is that the max you can borrow on an…
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Littlewoods BNPL
Hi, new to the forums. Not sure this is in the correct section - the different topics seem awfully convoluted and bloated so I've just put it in here. I was wondering if anyone who has experience with Littlewoods can tell me how their BNPL system works? I also use Very which works in a way where you simply just have to…
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Consolidate or sell?
My partner and I are after some thoughts and opinions on what we should do to find the best way forward for our finances. Over the past few years we have overstretched ourselves, much the same as many others. I’m now 50, she is 47, and we are both at the point in our lives with kids grown up and gone that we want to enjoy…
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How to go about a secured £8000 loan on a house that's fully owned.
Credit limit isn't spectacular so can't see an unsecured £8000 loan application being accepted. Fully own a house though and want to secure the £8000 to the house to increase chance of getting accepted for the loan. How would I go about researching this? I can only find loans for people on a mortgage.
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Loan payment made on the 1st, credited to loan balance on 14th - is this legal?
For a Santander loan, we make the monthly payment on the 1st of the month, from a Santander bank account. However on the statement, it credits on the 14th, seemingly incurring two extra weeks of interest every month. When asked, Santander have some vague answer about it ‘taking a while to transfer’ sometimes, which feels…
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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…
