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Section 75 Laptop out of warranty
hi all just want to double check I'm doing things right here, on 31 jan 2019 I purchased a high-end gaming laptop (just short of £2000) i barely use it as I have a high-end pc so only use the laptop when travelling I think i'd be lucky to have used it for 150 hours over the past couple of years, but that aside it…
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Personal loan after mortgage completion
I’ve recently purchased my first house, and some unexpected additional costs have come up so I’ve been looking into getting a personal loan. I’m not yet living at the property (and won’t be for a little while yet, I’m still at home with parents), and the APR and interest rate on the loan I’m mid-way through applying for…
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Natwest loan settlement figure
Can someone help. I have a natwest loan and wish to pay the settlement figure. But I want to do this without the hassle of calling. Does anyone know if I can do this through my online banking?
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Most Efficient Way of Financially Buying/Using a Car
Hi All, Im going to keep this brief and looking for some advice before I jump into anything, any help would be appreciated. I'm just about to pay off my Hire Purchase deal for my Car which I have taken out over 5 years. I would like an upgrade to a car around the 15k - 20k mark, with obviusly as low miles as possible for…
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Signed up without my consent.
I was recently looking into a loan, wanted to check interest rates etc. I ended up at loan-panel.co.uk via a link from either credit karma or totally money. I'm not sure, But they took my info including my card details for an age check. Seemed all legit and did not notice anything wrong. This was last Friday, Fast forward…
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Is this possible
Hi all looking for advice… I have not been working for past 5/6 years as I ended up caring for my mum.. she has now past away and I have been left with a house worth £330000.. I have seen a campsite and country pub for sale with a turn over of £350000 per year for £900000 .. I have a poor credit score is it possible for me…
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Trying to make a lump sum payment!!! help please
Hi All. I have a vanquis bank loan (worst thing i ever did) and i have around £2200 left. The settlement on it is £2040.00 but i have a dentist app next week that willl cost me £500. I don't want to take out any further loans etc so decided not to settle this but make a payment of £1500 and reduce the payments, and settle…
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Ratesetter loans
I was looking for loan offers and received an extremely low rate from Ratesetter 4.9 Apr for £10000 compared to other offers I received from banks like Lloyds. I had never heard of this company before and wanted to know if anyone had applied for them in the past and would you recommended it. Also, do they require proof of…
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0% eligibility across lenders
So I’m looking to take out a 10k loan over 5 years to pay for a used car, I currently have one on finance but I’m selling it to webuyanycar. Anyway I’ve been using the eligibility calculator and I have 0% eligibility on about 80% of lenders. I earn over 30k a year and I’m 23 years old without ever missing a payment and I…
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Equity
pcarrForumite1 PostHi, I own 3 properties outright and they are all in long term tenancy, however, I would like to free up some capital for home improvements, what is the most effective and viable way to do this..?
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Paying off plan 1 student loan
I have around £3500 left to pay on my student loan and currently pay £137 a month through PAYE. I want to pay this final amount off. How is the best way to go about this so I don't end up making another payment through my salary the following month? Can I do this online or do I have to ring someone? Many thanks
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2.8% loans don't exist
Hi everyone, I'm trying to get a loan at a decent rate for a car. But whenever I fill in the form I qualify for the 2.8% loans at the amount I want to borrow (£20k), but then after I've applied the confirmation comes back at 8/9%! I appreciate you have to go through that process but I don't get how the rate can change when…
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Car finance
Heya folks I hope someone out there can help me I took car finance out in April 2018 over 60 mths but paid it all up in full in 40 mths when I rang the finance company they told me I was nt due and refund for the 20 mths interest I didn't use and I paid the entire 60 mths in total
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Pay off loan to get bigger loan
Hello, I took out a loan of 12k last year to buy a car. Im looking to sell this car now and pay off my existing loan as the value is worth more than the loan. I would like to get another loan soon after (20k) as im able to secure a decent rate due to good credit. My bank told me i might get declined because they have a…
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Can you actually get a refund on a loan if it was unaffordable at the start?
Hi all, I took out a loan 6 months ago when I had no choice because I lost my job due to covid cut backs and I needed to pay rent. I haven't been able to make even the interest payments from the start and it's just building and building. A friend told me that if a loan company grants you a loan when you're clearly unable…
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Loan to a friend and tax
Good afternoon people. I've got a question in regards to tax. My situation is as follows: I've lent 2000£ to a friend to start a business. I know I will get the money back, that's not the issue here. The money was lent this way: he bought a van for 1200£, I paid 600£ to the owner through bank transfer, 350 in cash from my…
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Student loan.
A family member going to university this month tried to set up his student account. It was declined because they said he had a mortgage. After doing a credit search we found that it had a mortgage on it. He has only just turned 18 and obviously never had a mortgage. How does he get it removed? Thanks
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Onstride Grant Thorton sold to Lantern
Hi, Did anyone receive a message from onstride/cash euro net or grant thornton about them stopping payments on 23 august 2021 because I never. So I checked my bank account last Friday and today to see if onstride was on there nothing so I rang up onstride today and they apologised that no one informed that no payments are…
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Bamboo Loan Refund
Hi All, Im new to this so please bare with me. After some great information i read on this site, i decided to reclaim unaffordable loans. Ranging from payday loans to one guarantor loan with bamboo. I took out several loans in a 6 month period in 2016. During that time I was in the midst of a mental health breakdown. I was…
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Problems getting answers from Student Finance England
Does anyone know how to talk to an actual human at Student Finance England? Every channel - and I mean everything, from email to phone lines to social media - is operated by automated technology and is designed to stop you querying their processes and decisions (sounds cynical I know, but I have some knowledge of how and…
