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Santander are now refunding interest payments on Cahoot flexible loan's
This is the discussion thread for the following MSE News Story: Read the full story: Santander offers massive refunds on Cahoot loans after rate hike Back to original post, and a big thank you to Harry for this (as we've said in the story above). Santander are now refuding past interest paid on Cahoot flexible loans!!…
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Personal loans for the self-employed: is this possible?
I'd like to lease a car when my current PCP arrangement ends in a couple of months. This necessarily involves a finance deal, but as I'm newly self-employed will I automatically be turned down as I don't have a consistent, regular income?
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Sympathetic Lender - Consolidation?
Morning. Unfortunately I have c. £40k unsecured debt on credit cards. I am looking to consolidate as much of this as I can in a (loan 5 or 7 years). My credit rating is good. It is my high level of debt that has brought it down from excellent. Which is likely to be the most sympathetic lender to apply to? Thank you.
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OU wants payment for Postgraduate course now. But I can't apply for postgraduate loan until June
Hi All I want to take a Masters with the OU this Autumn. I have applied for the course and they want me to pay for the first module now. But I don't have the money. I need to apply for the Postgraduate Loan first, but I can't do that until June this year, and then I have to wait c. 6 weeks to get the money. I would…
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PCP car finance - half way through contract, can I give car back early?
Hi Everyone I took out PCP on a car around 2 years ago on a 4 year contract, but am not happy with the car and would like to change brand. I need some guidance on what options I now have. I’ve seen it said that you can give a car back as long as you’ve paid half of the original loan...is this true? If som how do I go about…
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Default
HiA company issued a default having got my address wrong on the default letter. I found out after I requested access by email to all the correspondence they sent. They had always used the wrong address, a mix up of building and road number, however most /some other correspondence had turned up. On checking my account…
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Loan or re-mortgage?
Hi everyone, After some help please, I’m looking for a £15K loan for home renovations and I’m able to get a loan at 2.8% over 4 years. My mortgage rate currently is 1.6% fixed, would this mean it’s cheaper to borrow more on the house? Might seem like a really stupid question but whenever I ask someone I get a different…
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Applying for a further advance mortgage with Natwest – what factors do they consider?
I'm very much a noob in this area,
but I would be very grateful for any advice in regards to taking out a further
advance loan on an existing mortgage. I'm considering adding to my existing mortgage borrowing. At present, my
outstanding Natwest mortgage is at 39.5% of the value of the
property. The property is in an area…
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Some Advice Needed Please
First time poster long time reader... I could do with some advice. I have recently got a new job that pays well and comes with a car allowance. There are some stipulations on the car allowance that require me to have a car of a certain age/type etc so im pretty clear on the car i want. And i realise they are a depreciating…
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(Very short) term loan
My broker isn't allowing bed & isa. Plan: get a £20k loan. Put £20k into S&S ISA on April 6th. Sell £20k in trading account on April 6th. Pay off loan on April 6th. I'm doing this so cash isn't sitting in clearing for a couple days between selling in trading account and going into S&S ISA. --> Any downsides to this? I…
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Loan with balance transfer
Hi Everyone just wondering I’m just about apply for a loan ( for my car) phoned bank ( doesn’t seem there will be an issue with it) but noticed my credit card is now charging interest so wanted to apply to do a balance transfer to a different credit card! Does anyone know would this effect me getting my loan or loan…
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Loan After Credit Report Error
I’ve just found that I’ve got a mixed credit report where recently my details have been mixed with a relatives - I found this when I attempted to switch a utility bill and failed the credit check. It obviously failed because the details of two people simultaneously don’t make sense! I can go ahead and resolve that through…
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Student Loan Overpayment?
I've been paid significantly more this month as a result of receiving a taxable bonus at work. As a result I've noticed that I've paid significantly more on my student loan. Are my loan repayments based on my monthly income or my annual salary? Just checking that I haven't overpaid on my loan because of this one-off bonus.
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Any benefits from same bank
Hi guys. looking at getting a bank loan for £25K for a car. I’ve have 2 previous loan both for £10K, both with Tesco’s personal loan. Will Tesco’s take my previous loans into account with them in the past to give me a better rate/chance of approval. Or am I better shopping around for a better bank? cheers.
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CCJ without Default
Hi Everyone, Does anyone know the process for a creditor obtaining a CCJ. I have settled a CCJ and the creditor has agreed to a consent order for removal (ongoing). The creditor has marked my account on my credit report as settled but every month from last month back to 2018 is showing as 6 late payment every month. Should…
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Pre-98 Student Loan due to be wiped in September but...
Hi All, So my pre-98 student loans are due to be wiped as of September this year. I took the last one out in September 96 so I assume I am correct here. I've mostly always worked freelance and never regularly earned enough to pay them back -- but I've just had the forms for deferment again and this year my gross income has…
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Should my daughter pay off student loan with lump sum?
My daughter is in her first year of university, lives at home and has paid a £9250 fee for the first year through a student loan. This was against my advice as me and my wife have saved up around £20,000 for her and want her to be debt free. She has read a lot on student loans and was adamant that it would be a waste of…
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What a mess!
Hi my husband of 30 year has taken out 2 bounce back loans for his business during lockdown one in july and 1 in November these loans were 100% guaranteed by the government. The business is in his name only and in no way connected to me and I had no idea he had even applied for them. My husband became extremely unwell in…
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Student loans
Hi, I am confused with the loan repayment chart for student loans.It states that on earning £4000 on graduation you pay back almost £110,000, double the original loan. Don't you just pay bsck the loan amount plus interest?
