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Which Loan to pay off..
Ok so we have 7 loans which are due to be paid at different stages over the coming year/s. I get a second pay in April (20 Apr) and so will be looking at paying off some of the loans to reduce our monthly outgoings. I am looking at £2000, to pay off as many as possible, I was looking at leaving the last three alone. Any…
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Personal loan for £35k best to split it ?
hello , we're looking to get a large extention & new kitchen . We have savings but will need to find an extra £35k and are looking to pay it back over 5 years. We are both working with our mortgage paid off a couple of years ago. We have reasonaly low outgoings ,no other finance, good credit scores and can afford the…
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Amigo Loan Help
Hi, I was a guarantor for a loan for a then friend, he defaulted and it was left for me to pay. At the time I was not in a position to pay the normal repayments so I defaulted, Amigo added a CCJ to my house that if sold they would recoup their money and I agreed a very small monthly repayment (£20) with a debt recovery…
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Loan vs Credit Card vs OD vs Other ?
Im looking for 2 types of different credit and want people opinions on the best options please #1 £25-£40K over 12-24 months. I dont know the exact amount yet and whether I'Il pay in back in a year or a little longer. Barclays will loan up to £50K at 5.9%, other banks seem to stop at £25K. Barclays charge 30 days interest…
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Loans companies access to online banking
Hi, I looked to apply for a loan with lendable through credit karma and they want access to my online banking for the next 3 months. Is this usual?
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Business Loan?
To anyone out there, If I tell you my story,
my plight will, hopefully, make sense. I am a 59 year old
father of 3 girls, recently seperated from my wife. It was my choice
to leave them in our house, (owned with mortgage), to safeguard the
girls' futures. In the ensuing couple of years, my income and credit
rating took a…
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Loan Rates
Hi, I have a perfect credit score and income above £60k, no defaults, no missed payments, (currently) no unsecured debt, electoral roll registered etc etc. Plenty of credit history, available credit etc. And yet nobody can offer me a rate below 19% on a £25k loan. That’s practically a payday rate isn’t it surely? It’s £20k…
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Bank Of Ireland Loans..?
Hi All, I'm new here and after some advice if possible please... I'm after a loan to consolidate other debts and for myself to get a new work van. Carried out an eligibility check and only had one result due to the amount I think being £25k and over 7 years. This was being offered by Bank of Ireland and at 3.2%. I had a…
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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…
