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Student loan with divorced parents
My daughter applied for a student loan from my address where I live with her step father. She lives equally between this address and her father's address. The loan questionnaire has been sent to her step father where she is listed as his dependent. She depends financially entirely upon myself and my ex- husband. Her…
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Nationwide
Hi, I was just checking clearscore and a new option for a personal loan came up, with nationwide. The APR is by far the cheapest option and is lower than the APR on my credit cards so I'd be able to save a chunk of interest as well as reduce my usage amount, which in turn would help me get offered balance transfer deals…
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SLC (Wales) Welsh Partial Loan Cancellation
I have been updating details today on my SLC account. I noticed a link to the Gov Welsh Partial Loan Cancellation. I'd never heard of it before (site won't allow me to post a link yet). I checked my account and can't see this has ever been applied to my Plan 1 account. I called the SLC (Wales) today and the handler advised…
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Barclays Solar Reclaim
Hi. We had solar panels fitted in 2014 for £11500 (28 panels on a three phase system). Although the feed in and export tariffs never quite covered the cost of the loan, it was not that far off, especially if you took the electricity saving into account, which was substantial. We took out a loan through Barclays (via the…
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Can you use a secured loan to buy a house.
Can you use a secured loan cash to buy a house, example need £25,000 to buy our council home. Could I get a secured loan instead of a mortgage, secured on the house.
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Help !! it’s complicated !
It’s complicated So myself,husband and my parents brought a property outright in 2011 we have lived in this property since due to tax implications and advice from Solicitor my parents are signing over their share of the property bit by bit we ( me and my husband ) on paper currently own 25% each and another share will go…
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Student Loan Type
Hi, A new company has just taken over my wife's place of work, and have changed her from student loan type 2 to student loan type 1. They are saying HRMC have told them to do this, but we have been given no indication of this and when she logs into the student loan portal it still says type 2. Can anyone advise on whether…
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Justifying 35% interest charge on an overdraft
hi I was wondering how, in this day and age, Barclays can justify a 35% interest charge for using an arranged overdraft , just wondering!
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Best way to borrow a large amount of money to fund home improvements
HI, My first time on here! I am looking to raise around £60K to fund home improvements (extension etc) the cheapest way Have excellent credit score so thought of getting several 0% credit cards which do money transfers (know will be about 3% to pay but then 0%) and then transfer as the 0% introductory period ends. Or would…
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Loan for Home Improvements
Hi Guys A friend needs a loan for home improvements, they need around £20,000. The problem is their income is just £6,000. They are o.k. with a term of i.e. 10 years, they have a 'clean' credit history. They live with family, so very few monthly 'outgoings, just utility bills etc. They've had their bank account for over 20…
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Written off loan problem!
Hi All I am after some help! In October 2018 the last bit of debt I had was written off by AA loans, I couldn’t believe it as this was for 14k. The AA marked my credit file as settled and confirmed on the phone on 3 separate occasions (I have all dates and times of the calls) that this was written off but refused to send…
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Bounce Back Loans HSBC
I wonder if people can help. I applied for an HSBC BBL to support me with cash flow - I own a nice holiday management business in Cornwall. I have received no money’s from anyone to date through the Covid crisis. HSBC in their wisdom have declined the loan as I bought the business in May 2020- even though it had been…
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The Training Room, IT course scam
I don't really know if this is the right place to post... I graduated with a degree in product design in 2017 and started working for a small electronic company. I joined a course 2 years ago. I started and noticed that the quality of the material was really bad - basic but it was too late to cancel. They said once I'd…
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Paypal Credit - Beware all is not what it seems.
Hi, I recently got a 0% credit card and decided to consolidate my Paypal credit account into this to reduce credit charges. You can imagine my surprise when I was told by the agent "You cant pay your balance with a credit card as it is against our policy. Our policy is to ensure you don't create more debt." I advised him…
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Declined after incorrect DOB
Hi, just looking for some advice/thoughts. Last night I applied for a small loan to help with home improvements. My laptop auto filled in my address and date of birth etc. I only realised after the application was submitted that my date of birth was incorrect. It was so slight I didn’t even pick up on it when reviewing.…
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S77a Annual Statement Help
Hello. Long time watcher but first time poster so apologies if this is covered elsewhere I've just received my copy of my annual statement from MyJar for a loan I payed off early last year. When I called up for a settlement fee I always felt it was a little higher than expected but as I was glad to be rid of the debt I…
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Paying back money from loan early to reduce interest rates
I am looking to borrow £3000 from Tesco home loans, apr 8.9%. If I borrow £7500 apr 3.0% and payback £4500 in the 1st week would I keep the 3.0% interest rate?
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PCP Car Loan
A family member is hoping to purchase a new (or ideally pre reg) car. Their preference is to pay "cash". However cash sales don't seem to generate any interest at all from car dealers. It seems the only way we can a decent deal is to go down the PCP route, and benefit from a manufacturers deposit contribution. I have never…
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Borrow to Paying low student debt off in full
Hi. Ive read all the advice in srudent lians and if it was a high loan I would definately not consider repaying early but my son only attended Uni 6 mths and so has a debt of £8500. he has left now and joined raf so low wages... but im worried that a lowish loan is going to escalate with te intereat charges... obviously…
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Erudio - website down and no emails
Erudio usually send an email around early Feb for me to arrange deferral of my loan. It hasn't come this year and I have just checked their website to find it down with only a phone number there. Anyone else received any recent correspondence from them? I''m based overseas and their hard copy arrives a few weeks after…
