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Erudio - website down and no emails
Erudio usually send an email around early Feb for me to arrange deferral of my loan. It hasn't come this year and I have just checked their website to find it down with only a phone number there. Anyone else received any recent correspondence from them? I''m based overseas and their hard copy arrives a few weeks after…
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Please help - Loan anguish
Hi forum, I was hoping some of you who have a better understanding of loans may be able to chime in. I’ve had two Sainsbury’s loans running consecutively for a few years now. Last week I decided to consolidate both and given that I’ve always been really happy with Sainsbury’s, I would normally have approached them to…
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Money lent
We are paying for a new fence for our neighbour as it will benefit us as much as her and she cannot afford the layout. We are going to make arrangements for her to pay the money back when work is completed. We are both in our 70s so there could be the possibility we were to die before it is paid back in full. My question,…
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Car loan
Hello everyone looking for a bit of advise as I have never done this before! I am looking to take a bank loan out for £9,200 to buy my car! First question is does it have to be for that exact amount for the car or could I just round it up and take £10,000 (which I would ideally like it to be as it would help me out with a…
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Redundancy / Relocation - Financial Help
Dear All, It is my first time posting here so hope you guys can help as the financial world is a confusing one. I lost my job last year due to the Covid-2019. Previously, I have been in full time employment for over ten years and always been financially secure so my credit score was great and I never had any problems with…
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Borrowing for business investment - options
Hi All, I am in a bit of a quandary and in need of some advice! I am in a lucky position to be a salaried director in a company, I have been offered the chance to become a shareholder by purchasing shares and in essence becoming a full member of the board (not as glam as it sounds). Its pretty low risk, with entrep relief…
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Paying off TSB loan early
Hi, I've searched the board for advice on this but similar threads are a few years old so I wanted to try and get some up to date advice. I took out a 4 year car loan with TSB last summer, actually bought a cheaper car than I planned so was able to overpay some of it back almost immediately and have made another…
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In general, is it possible to have two personal loans from different lenders at same time?
Has anyone achieved this? Is the amounts in question a factor, or more the number of active loan facilities you have?
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Advice to help recently widowed mother to move.
My dad died suddenly last month and mum is keen to move to a smaller sheltered dwelling accommodation flat. She has found one locally that she is very keen to buy for £150K. The current house, although in dad's name will be passed to her ... she is sole beneficiary ... however sorting probate and transfer of the deeds…
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Need a loan for home extension, but covid/being self employed has plummeted my income on paper
Hello all. I have planning permission granted for a double rear extension to my home. I'd like a loan to pay for this, as I'm not due to remortgage until 2024 and am tied in. I'm self employed and have not been allowed to work in lockdowns, so my earnings for the 2020/21 year are low to say the least! Low as in under 10k.…
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Secured loan
In 2007 we took out a secured loan with First Plus. The loan included a premium of 12k Ppi. First Plus paid that amount back by there choice in 2012 but it is still included in the loan total and I am paying interest on that. Didn’t realise at the time and felt loan was missold as taken adnantage of our then difficult…
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Voluntary termination Hire purchase
Hi I am 3 years into a 4 years hp deal. I want too voluntary terminate today but just wondering what way is best to do so. Does it still count if you call and tell them or does it have too be in writing ? thanks
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Does my credit affect the house
I have a very bad credit rating. I have a joint current account and a joint credit card with my husband. He is looking at taking a loan out to cover some bills as we are falling behind. Will my bad credit affect his application? He has been accepted for a credit card recently so i'm thinking it should be okay, but the fact…
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Business Loan question
Good evening folks, I hope you're all doing well given the circumstances we all find ourselves in right now. It's my dream to own my own haulage business and I have made the decision to pursue that dream. I am looking to find a loan between £40,000 - £50,000 and was wondering if anybody had any suggestions to where I might…
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£300 loan - council tax deferral
With the new council tax coming up in April, I wondered if I could not pay council tax for April and then call them up in May and say I can't afford to pay May either and instead ask to pay in 10 installments from June to March. That way I can im effect get an interest free £300 loan. I know someone who did this because…
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Zopa Loans - You're great - you're good - but you 'ain't gettin' nuthin'......
I've been working towards a more positive credit history over the last year or so - and am lucky that at the present time I don't have the need for a loan. That doesn't stop me keeping an eye on what I am/am not eligible for - and recently Zopa appeared to launch their own eligibility checker that analysed your credit…
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Moved: She doesn't wish to get a loan for her marriage
This discussion has been moved.
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Getting a loan
They say it’s fairly easy to get payday loans but when you want one where are they.......(well I do have bad credit)lol
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Barclays Partner Finance / DFS
Good morning everyone I do hope you are all very well during these extraordinary times! I'm hoping you may be able to help me with an avenue of contact with Barclays Partner Finance and/or Moorcroft Group. I do hope my letter/email to Moorcroft Group will help to explain my individual situation, but in short the following…
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Blemain Finance/Together
I took a loan ( mortgage) with Blemain in 2006 for £25,000 and it expires in April 2021. I have repaid almost £57k and now they say I still owe £12k because of interest and other charges. Has anyone taken these loan sharks to court and won?