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Best Price Loans
We are getting some building work done and the price of this has increased. We are able to find some of the additional funds but are still 10k short. We have spoken to our mortgage provider who have explained that a personal loan would be the cheapest, quickest option for us. This has come in at 17.2% APR over 48 months.…
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Advice on affordability complaint moneyboat
Hi. Back in August 2020 I submitted an affordability complaint to Moneyboat regarding 4 back to back loans. They took an age to respond and when they finally did (April 2021) they offered to reduce the balance of my final loan from 613 to 230. ( the initial loan was for 400 ) I was in a panic and accepted this - fell for…
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Loan 2.7/2.8% is impossible to get
Just tried to get a £25k loan @ 2.7% from the AA. Also tried to get £25k @ 2.8% from the TSB. Refused on both. I don't see why I would be refused. I can only think this is a headline rate that no one has access to? Has anyone been able to get this low rate?
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Helping out
Our daughter has had a breakup and been paying her car, phone loans and mortgage for the last 2 years with no input by her ex partner.My wife and I have loaned money to get her through the hard times but as both of them are on the loan he gets away with murder.Our daughter wants to sell the property valued at approximately…
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Student loan (am I being stupid)
Hello, I've been weighing up whether to do a part time degree course, and also trying to work out if I'm mad or not for even thinking of doing it at the age of 34...but that's another story. Silly question, but can you apply for a student loan even if you haven't made your mind up about even doing the course first? I've…
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Student Loan Overpayment Claim Back Query
Hi, I spoke to thesis today about my 1997 student loan as I thought it gets written off this month, it doesn't. At some point in the (fairly recent) past the required wage to be repaying my student loan has increased (It's now at gross £3,023 per month) and i am now in the bracket to defer paying it back. Apparently I can…
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Help to Buy & Student Loan Payoff
Hello I have a help to buy mortgage and a student loan. I have been offered a job overseas and was wondering: Which loan should I pay off first? Do I have to pay my student finance while I’m overseas?
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Car Loans ( PCP ) Moving from one to two
Hi, I've got a PCP agreement with a garage for a Car, I'm looking to exchange the car for two smaller vehicles, but the overall finance will remain the same. In terms of credit risk and mortgage applications - am I likely to be looked at any differently by doing this? The borrowing is the same so I would presume that for…
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Moved: Capquest but is my loan statute barred?
This discussion has been moved.
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Irresponsible lending on account in default
Please can anyone advise if they have successfully had a claim for irresponsible lending from a credit card that is now in default and has been passed to another company. Would the refund be paid off this first or would this all come to myself because the debt / default has been passed to another company. The reason i ask…
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Pay off student loan Plan 2?
I earn circa £50k and have an outstanding balance of £10k. Is it worth paying off? Or using a credit card to pay it off on 0%? Thoughts?
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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…
