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Nationwide loan decline SAR
Hello, I hope this message finds you well. I bank with Nationwide applied for a loan and was declined. I rang them they said I had adverse credit. I have checked all the CRAs my score is low due to an o2 account default for 61 pounds from years ago. This was removed and in the last 6 years there is nothing adverse on my…
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Door step collection
I took a loan out and I agreed to a door step collection not a problem interest repayment was a bit high anyway all good for a long while then they just stopped calling no communication from company tied ringing no answer then all of a sudden contact and they wanted payments to start l told them they had broken there…
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PCP Ballon Payment - Part early payment and rebate
Hi all, I have a car loan under PCP and was looking to make an early payment towards the Ballon, having early repaid the rest of the money. The loan company has advised that (1) Part repayment towards Ballon is not possible (2) Early payment rebate calculation do not consider the interest towards Ballon amount. I was…
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Loan issue with credit union when they knew i had a gambling issue
I joined a credit union 6 years ago and started with a small loan of £500 i over time went to them a lot and became friendly with the staff. The staff were aware i had a gambling issue and i went to the local bookmakers most days and we even joked about it. They were also aware i had changed jobs. To cut a long story short…
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Cash euro net help please
Hi Any help relating to this email from a lender that has gone into administration would be a huge help Here is the message over received am I due a refund or not ? It’s states refund due for £1402.91 But also states.. Accepted claim amount £0.00 Dear XXXX Claim reference number: XXXXXXX You are receiving this email…
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Bounce-Back Loan terms and conditions
My BBL agreement states "TSB would also have the right to repay any debt outstanding from any other accounts you may hold with us" as one of the terms. Does this mean if I sign it, then the money goes automatically to paying out on my overdraft? If so this would prevent me from buying the essential replacement car for my…
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999 credit score - but always refused loans?
Hello, I've have, what Experian deem, a perfect score (999) for well over 8 years. I've never missed payments, have a mortgage and earn a well above average wage for the area i live in. Other than my mortgage (which i'm currently paying additional monthly payments off) and a credit card with just over 4k on (which has come…
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Loan/Car finance
I am wanting to consolidate my credit debt by taking a loan out, and I am also looking to purchase a new car in a few months (either on pcp or car finance). Would taking out the loan to consolidate my debt effect my chances of buying a car?
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What is consents.online?
Hi I was applying for a loan and the lender wanted me to connect to my bank via consents.online. I pressed the button to connect to my bank and my banking app opened automatically, asking me to log-in. It looked like the front screen of my banking app and seemed ok. Being a tech dinosaur (!) I was a bit wary and didn’t log…
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Home improvement, Credit card or a loan? help please.
Hi, Ive been working on my house the past year and need a boost to get it done and not wait any longer. New windows, carpets, kitchen spraying. I need 5,000 and I can pay the whole lot back in 18-24 months. BUt the people I use for windows etc dont do credit cards. I dont want to use anyone else as they are good and…
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Car Loan and Mortgage
Hello, Hoping to get some advice if possible. I currently have a lease car and the contract ends this year so looking to get a car loan to fund getting a new/used car. Around the same time, we’re looking to buy a house so will be applying for a mortgage (first time buyer). I’ve read that getting a car loan can affect the…
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Hire Purchase massive confusion
Hoping that someone can provide some much needed assistance. My friend has had his car (bought on hire purchase) for nearing on two years now, and has always been in a good financial position to not feel the need to check payments as simply assumed they always go out on time. He has just done a proper dive in to his…
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Remortgage v Home improvement loans
hi all, we are going to put extension on our home. could someone advise me on good websites to use to look at which is best to do, remortgage or home loan. We currently have good equity in home and the approx amount we require is £35k. thanks
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Loans eligibility calculator - dependants question
Hi, We’ve been using the loan eligibility calculator, but are unsure of how to answer the question - how much do you spend looking after dependants? We’re a one income family (with 2 adults and 2 kids) so the answer must be 3 dependants, but there’s no specific amount that gets spent on each dependant. We have no fixed…
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BBLS Loan with Wonga Interest rate
We applied to our bank as a partnership to apply for a BBLS of about £7,000. Previously, our joint personal account had been used for the business without any problems for the past 295 years. Now, the bank insisted that a business account would be required to apply for the loan. As the costs for running a business account…
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Bounce back loan issue
Hi, im hoping I can get a bit of advice. last year I applied and received two bounce back loans for my two businesses. Everything seemed fine at the time and then bang I received the dreaded letter saying I was extremely clinically vulnerable and had to shield, meaning I was unable to work as I can’t work from home. Since…
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Payday loans reclaim
I have received one of those letters from Provident referring to their proposed "Scheme of Arrangement". I have recently competed a Debt Management Plan with the Financial Wellness Group. My Provident loan was part of the debt plan along with a number of other Pay Day Lenders.It has taken me about 5 years to clear the DMP…
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Provident loans
We had loans from provident and it was discovered that their agent had taken out loans in our name, unfortunately the said agent committed suicide before this was discovered, we didn’t do anything about it, is it too late now?
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Does anyone know much about provident? (Fraud).
My partner's ex partner has taken out a provident loan using my partner's details. We've just learned this after being contacted by a debt collection agency, although she's (ex partner) done this before. We emailed saying this was not taken out by my partner, but they've written back saying basically 'we don't believe you…
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Student loans
Hi All, I'm new to this site and just wanted a little advice from somebody who may know. Recently I have completed my financial details online for my son's student loan application with my current income which is all fine ( 2019-2020 earnings.) However, the current year 2020-2021 my earning have dropped considerably and I…
