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Updraft
Hi everyone Im wanting to check if anybody has heard of an app called Updraft and if so have they any experience of using it? They are currently offering me a loan and are authorised by FCA but just want more info on them. Many thanks in advanced
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Personal Situation Help! Credit cards and loans and mortgages!
Hi, I've a unique situation caused mainly by building work overspend! We bought a house for 630k with mortgage of 500k. We have since put building work of 80k into the property. The plan was to fund this by pulling money out of the house, which was valued at 700k soon after and a buy to let property we have. With overspend…
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Sunny Pay Day Loans
When I was younger I took out loads of sunny loans, completely unaffordable as I kept having to take out loans to pay them back I was zero hour contract too so no proper checks were done, I've been reading that they've been closed down and customers were contacted for refunds due to unreasonable lending. I was never…
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Banks and person centred service
I have credit cards but want a consolidated loan to pay off the cards and have an easier life repaying the loans. But my bank won't lend.In fact, in 12 years of banking with this bank I have not received a loan approval. I have therefore been forced to use the high interest loan organisations and have paid off the loans.…
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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…
