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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…
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Indemnity Claim Fraud
Hello, I'm hoping for some advice off someone, everyone i talk to seems to be baffled by what has happened. Basically, 8 years ago i stupidly took out a car finance in my name for my ex-partners car, because he couldn't get car finance due to bad credit history. At the time i felt pressured to say yes and thought if it's…
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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…
