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Hit with £13,000+ vet bill - how do we pay it?
Our family's beloved cat was sadly put to sleep on Sunday, after a serious health crisis. Money was no object for helping our precious girl, so we opted for surgery and various other treatments to save her life. Tragically, they failed. Anyway our pet insurance of £4000 was already maxed out, after a health crisis in May…
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Seller lied to me and sold me a car with outstanding Santander Consumer Finance left on it.
Hi everyone, Just need a bit of advice as you guys might have some ideas and solution for this. Purchased a car from this private seller 7 months ago. Very stupid of me I forgot to do a HPI check on it. I am now trying to sell the car due to ULEZ expansion so decided to do a HPI check before putting it up for sale. Came up…
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Additional Payments on Zopa Loan vs Trying for lower interest loan over shorter term
Zopa Loan 18500 over 5 years 14779. Left to pay (Final repayment May 2024) Current Settlement 12467 Repayment amount 434 APR 15.4% OK, I'm wanting to clear this loan more quickly. My first thought was that I'm likely able to get a better interest rate now my credit score is looking better (Pre-approved with several for…
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£50k income + 6 houses but 0% chance of a loan
Hey folks, Here's my situation. I earn an income of £50k between my salary and rental profit as per my tax return. I want to remortage a house which would bring the monthly repayments, for example, down from £450 to £250. However, my mortgage broker says I can't remortgage due to my credit card debt. I have around £30k of…
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Ex relatives trying to sue me for a gift
Hi, can anyone offer legal advise on small claims court please? My Ex in-laws are trying to take me to court over money they gave to my ex as a gift several years ago, they are now claiming it was a loan. This was never discussed and i have never asked them for money They claim the money was to help us buy a house but i…
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Voluntary Termination Frustrations
I did as much research as I could before we VT'd our car and tried to do everything right. We'd paid back more than half of the total amount payable, I sent the letter recorded delivery and got a delivery signature from the Royal Mail website. I anticipated being charged for the excess mileage. What I didn't expect was for…
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Car Finance or Personal Loan
The APR is slightly less, but is there any different impact on my credit score - also thinking of a mortgage this year. I presume with car finance, the finance is secured against the asset ( car ) whereas with Personal Loan it isn't? Thanks For any Advice!
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Loans 2 go have i been charged too much interest?
I stupidly took out a loan with loans 2 go. It was through a third party website so when I agreed to the loan I didnt realise it was over an 18 month period and the extortionate interest rate that would come with. A £500 loan over 18 month ment me paying back over £1900. I know there are rules they have to adhere to if the…
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Student Loan Arrears and Mental Health
Hi, I'm still new with this forum so please bear with me. I had a £500 student loan in 1995 and another smallish one in 1996 which Honours Student Loans (who now own them) say I have paid off in full/written off (I can't remember which). But I suffered with depression and anxiety for a number of years and I couldn't deal…
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Updated: It was a glitch in the lender's website!
I recently used the MSE service to find a loan. The results came back, along with a notice that said (for a few providers), "Guaranteed rate 2.8% APRWe’ve got them to guarantee this loan rate. If you’re accepted, this is the rate you will get" On applying through the link, I end up with an offer of... 5.9%. And, as the…
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We borrowed 50k, but our plans changed. What to do with it now?
Hello everyone, this is my first post and I wonder if someone in the community would be able to offer some judgment-free advice. My wife and I have had a mortgage for 6 years - it's a fixed rate deal over 25 years. Last year during the first few months of the pandemic, my mother (who lives in Brazil and depends financially…
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Wrong loan amount - what do I do?
Hi all - newbie here, so please forgive me if this is covered elsewhere (I did a search, but couldn't find anything relevant...) This weekeend we took out a loan with Nationwide to buy a car - very easy process, and we got a great rate, with the loan paid out in less than an hour - so far so good. However, we made the…
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Loan Application issues.
I have a work colleague who's had to sell his house, due to a divorce and has moved in with his mother. He has £100,000 sitting in his bank account, that he needs to put towards buying a new home. He's looking at a flat and needs to borrow more money, but he needs less than the minimum mortgage amount (£20,000 I think). He…
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IKANO approved my IKEA 0% loan application for wrong amount - Can anyone help?
I applied through IKEA online application form for an IKANO 0% interest loan of £975. I am certain I entered the amount correctly because it calculates the monthly payments and I noted this at the time. I was referred- because the image of my ID wasn't clear- and after a week of chasing them, because the links to verify my…
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Chasing
Many years ago I took many payday loans out and never repaid them 10 years later I’m still being chased for them I was told they give up after 6 years but this can’t be true any help would be gratefuly accepted
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How can I get a better rate to pay off?
Hi all I have a loan with 16 months left on it at £380 per month. I had the brainwave of paying it off with a 0% balance transfer credit card but the loan company won't let me pay debt off with debt. The only way it looks like I could do this is with a card that offers 0% on 'money' transfers but they any pretty hard to…
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End of car finance- Mercedes asking me for £1000
Help please! We bought a Mercedes on finance in 2018 and have just returned the car a few months prior to the end of the term. Mercedes are now asking for £1000 for 'damage' to the vehicle. There are a few small scratches and some 'dinks' on the alloys. Some of the damage was present when we purchased the vehicle but…
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Apply for second lender?
Hi, i’ve applied for a loan today with a decent APR and it’s come out massively higher. I appreciate it’s for a small amount of customers the smaller rate, but the ta like 4x advertised. I know you shouldn’t apply to multiple lenders, but would it be a massive issue getting another quote? its the pay the higher interest or…
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Very short term loan
Hi, we're due to get an inheritance in the next couple of months and really need to replace the family car as it's on it's last legs. Unfortunately the car may not last until we get the money. Looking at the cheap loans we could get a £10,000 loan and the interest would be £150, so would we be able to get the loan and…
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Student Maintenance Loan as English Student in Wales
Hi, So our son is going to Swansea in September and has made his Student Finance application via SF England (as directed by the Gov SF website). He has received a figure of around £9000 for course fees and £5300 for his maintenance loan. My partner was sure she saw Martin on a show discussing the fact that if you are…
