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Loan confidentiality (letters in the post)
Bit of background first, my username which I selected ages ago points to my problem, had a gambling problem for a few years now but on the day the football season ends I am 100% signing up to Gamstop, I'm so ready for it and have come clean with my parents (who I unfortunately still live with again thanks to gambling). I…
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Welcome Finance secured
Wrote to welcome years ago for a SAR never received anything havet paid or spoke for 10 years apart from letters from coast, which I have never responded to nothing on crecit file regarding welcome so sold house and day before completion was told had welcome on land registry 5 months and Solicitor’s still not sorted as…
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Coast welcome secured loan
Wrote to welcome years ago for a SAR never received anything havet paid or spoke for 10 years apart from letters from coast, which I have never responded to nothing on crecit file regarding welcome so sold house and day before completion was told had welcome on land registry 5 months and Solicitor’s still not sorted as…
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Coast Finance Charge on mortgage
Wrote to welcome years ago for a SAR never received anything havet paid or spoke for 10 years apart from letters from coast, which I have never responded to nothing on crecit file regarding welcome so sold house and day before completion was told had welcome on land registry 5 months and Solicitor’s still not sorted as…
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Experian Consolidation Suggestion...3 loans
I was undecided between Credit Ratings or Loans board.
Anyway here's one suggestion from Experian in suggesting I bring my EV finance+FD30 Admiral loan+Furniture Secure Bank Trust loans together.
I'm not posting numbers yet as I have done recently across other mser boards.
If I were to take a look at those numbers, what…
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Allocation of an Overpayment
Ok this was also posted on my salary finance thread but may have more visibility here. I made an additional payment on top of my monthly repayments, of £500. I didn't see a change in my payments so contacted the loan provider. Here's the response: They are saying my overpayment will go towards the end of the loan term and…
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child off to uni sept 2022 - high interest means will not pay his loan off in 30 years - But...
I know martin says that many kids will not pay off their loans - but I did a speadsheet and over 30 years my child will pay back about £130k. The interest means the total is always out of reach - so this is really just a tax for 30 years. However, paying this extra tax in mid life (when he/she may have kids) is not great…
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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…
