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Post grad loans help
Hello, I really want to change career and retrain as a child and young person's counsellor. It's expensive though. (Around £14,000 for 2 years) A lot of the training providers don't qualify for any normal post grad financial assistance as they're not at university but private training establishments. Does anybody know of…
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M&S loan give to debt agency
I have a loan with M&S for 13k. In 2019 I had a 6 month break due to job loss, in which M&S default my account since I had a six month repayment break. After the 6 month break I found a job and started repaying on time. I have recieved a letter saying weston credit agency have the loan. Can they do this, why give it to a…
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Provident Loan via Debt Collector
So I had a provident loan that I defaulted on and was subsequently sent to a debt collector... of which I have been paying off! Will that debt also be wrote off or will I still have to pay it? Thanks in advance!
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Need advice about what to do with the Student Loans Company
Hi all, I've found myself in an very uncomfortable situation with Student Loans Company / Student Finance England and I would appreciate your advice as I don't know how to proceed. I enrolled in a part time MSc degree in October 2019. I must have applied for a PG student loan online during my university registration, but I…
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Curry’s Your Plan / Creation
Now see that going on buy now pay later with these companies was a mistake! Bought a washing machine in October, was delivered on the Monday but immediately found it was faulty, contacted the manufacturers who said we need to speak to curry’s - we’re on all day to them for them to say replacement would be 3-5 days despite…
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Reclaim guarantor loans for free
Hi there, This is the discussion thread for the MSE Reclaim guarantor loans for free guide If you haven't already, join the forum to reply. Thanks!
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Need a loan of 50k to save my life
Hi I'm on sick leave with a life threatening condition that the uk does not treat. The only people who do surgery are in Spain or America. It will cost about 40k. I bought first house 2020, and got it paid from 160k down to 120k. All my money has now been spent on medical scans. Husband is uncaring and won't help me get…
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Omni retail Finance help
Hi everyone. We have a loan with Omni which we had been paying quite happily up until the start of the year. My husband was ill with covid and was also told to shield as he is clinically vulnerable. That meant he was only getting SSP. I called Omni and asked for a payment holiday and if i could add the payment to the end…
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Car finance
Hi everyone, I have an issue with a car loan company. I lost my job in April 2020 due to lockdown. I couldn't afford to pay my car loan and my account went in arrears. After 18 months I started repaying my monthly payments and made an arrangement to pay my arrears. I sent them my monthly budget and they agreed with an…
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Equity Release safety
I’m wondering what happens if a lender goes into liquidation,
what do the creditors do? Can they call
in the loans? That is, am I ever at risk of losing my house even if I have
followed the terms and conditions? Also, what happens if the lender business gets sold on? Is my agreement still safe? Equity Release is something…
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Got accepted for loan then found better rate elsewhere
Thought I would share my experience - applied for a loan with tesco online paperwork was sent out and signed and sent back but there was an error on the name i didn't spot so they had to do another credit check and send new paperwork out the rate went from 8.9 to 13.2!!! I needed the loan but not at this rate so i decided…
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Provident to wipe loans for tens of thousands of borrowers - what it means for you
Doorstep and short-term lender Provident Personal Credit has announced that it will no longer be collecting loan repayments, as it prepares to shut down on 31st December 2021. Read the full story here. Click reply below to discuss. If you haven’t already, join the forum to reply.
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New style Student Loans and statute barred
Can new style student loans become statute barred? I understand they can technically deduct payments from wages in the UK once you reach a certain threshold; yet if there has been no payment and no contact in over 7 years and I no longer live in the UK they cannot pursue. From Martin's website it states, and I quote "The…
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Sunny Payday Loans - Proving a Debt
I took out a Sunny (who no longer exist) payday loan in October 2014 when times were hard. At the end of that year I am certain that I paid the loan off when I came into a sum of money. Since that time I had moved home address several times. Jump forward to January 2021, I have received an email from Lantern Debt Recovery…
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Parent took out a loan for home improvements but changed their mind
My mother took out a loan to help me out with debt. The reason stated on the loan application was 'home improvements'. She was considering getting home improvements but decided to help me instead and we will sort out home improvements over time. Can she or I get into trouble for this?
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Erudio Student Loan - HELP!
Hi. I have 3 student loans from '94, '95 and '96. I have always been able to defer repayment until this year when they said I was over the threshold. My net monthly income is only £961 but as a single parent of 2 children, I also receive housing benefit, child benefit and universal credit, all of which tipped me over the…
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Getting a loan for a Masters Degree
Hi everyone, I am hoping to get a bank loan to help towards the payment of Post Graduate Certificate and Masters Degree. I’ve calculated that I would need to borrow £10,000 across 5 years. I am wondering if I need to improve my credit score to increase my chances of receiving this. I know getting a credit card could help…
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When Midland Bank changed to HSBC....
Hi new member Back in
the late Nineties when I had finally finished a private research programme of
my own jointly with Loughborough University, I was really pleased when I was
subsequently invited to attend a seminar at Stockholm University to read a
Paper on it, that had by then already taken me about 4 or 5 years to…
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Null and Void Loan Agreement?!
Good Afternoon All, My Partner took out a loan to pay for a course - he has received the attached email from the Company that provided the Loan Agreement. Has anyone else received this? What does this actually mean? Can we dispute that the loan agreement is null and void? Any help would be appreciated. Many thanks!
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Soft searches for loans says I’m not eligible
So I have just moved into a new house today and I’m wondering if this is the cause of not being eligible for loans. I have changed my bank account address, updated my electoral roll address. Do you think it will take a week or 2 for my new address to be updated with credit reporting agencies? Is there anything else I can…
