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Amigo loans Scheme - anyone else received a text?
I received the text below earlier today, but cannot make head nor tails of what it means or whether it affects me - I am not the most jargon-savvy of people. To clarify, I stood as guarantor for a loan which was completely paid off last year and have had no dealings with Amigo since. Has anyone else received this or can…
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Tesco
Just transferred just over £4k to my loan-thus wiping it. The last payment meant to be Feb next year I think. Been putting extra towards it last year and they reduced it further with adjustments. Annual rate of interest (nominal)5.7462%£303.92 payment due 25 February 2021 Your final payment date will be 25 July 2022 Was…
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Early settlement discount
Hello I would like to know whether I'm entitled to early settlement discount. My loan repayment was for a 30 month period. If I want to settle the amount 6 months early, do I get a discount? Thanks Dawn
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2nd loan application
I recently applied for and was approved for a personal AA loan for £15000 for the purchase of a car. However I was not offered the 2.5 % apr and they offered me 8 ish %. I did not want this so I cancelled my application with them on the phone. But, I now want to borrow £10000 instead to by a cheaper car than previous. My…
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99% Consolodated-Lendable.
Taking into consideration, Credit Cards repayments/timescales. I've today been accepted by Lendable Loans 14.64%. Though I have worked towards lowering CC debt from 8.7k to 5.6k. Various cards were scheduled to be cleared over 3 years approx. Today's loan means I'll re pay 5k approx off balances -with 600 to repay myself.…
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Best home improvement loan
Hi newbie here just looking for some advice. I have a 3 bed bungalow and am looking for best option for personal loan to make some improvements. I would like to convert the loft for an extra bedroom, whilst it’s a 3 bed it’s really 2 double and a small room classed as 3rd. I have been in the house 20 plus years and there’s…
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How reliable are them
How reliable are them loan predictions on Experian giving you a rating of 95/100% etc. To say you’ll be approved for loan are they accurate?
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Hire Purchase/loan swap - Car finance
Hi everyone. I have a 5 year HP deal on a car and am currently 1 year in. I have been watching Martins shows in recent weeks and noted his advice on swapping loans to lower the interest rate and therefore the total paid over the term. I am wondering if this is possible with a hire purchase loan? Is there a way to take a…
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Best way to raise some money!!
Hiya We currently own our house outright, but are growing out of it quickly (2 pre teens). We have a 3 bed semi worth around £165k. I want to know how I go about getting raising around £30k for an extension. I have £20k in cash, so a budget of around £50k). My husband earns around £25k pa and I earn around £20k, so keeping…
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Equity Release
Hi! My husband and I recently found out that his Father has signed up to an equity release scheme. His father is 90 but his mother is only mid-60s and will likely stay in the house for another 10 years. He has told us that he has borrowed £90,000 against a house that is valued ~£750,000 at an interest rate of 2.3%. If I…
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Removed for confidentiality
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Ratesetter advice
Hello, I am wondering if anyone has had experience with Ratesetter, I was initally quoted 2.8% for a £7500 over 5 years loan for a car purchase and was pre approved. My current account is with LLoyds and they provided a personlised rate of 3.9% if accepted. I have spent a lot of time clearing credit cards and only have one…
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Joint loan or not?
Hi all, I’ll start with the background; we’re an unmarried couple, early 30s with no dependants (due to Wed in summer 2022). We live together in our first house with a joint mortgage, we’ve been here almost 3 years (Feb). I am PAYE employed full time earning 22k PA and my fella has been self-employed for 2.5 years, on…
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Barclays Partner Finance Default
Hi everyone hope your all keeping safe and well during this period of uncertainty. I think I may already know the answer to my question (silly me being pressured into agreeing something with a customer service representative whilst having enough on my plate at the time) but I wondered whether anyone else had a similar…
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Moved: Email from Lantern re debt i don't owe
This discussion has been moved.
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Moved: My mortgage
This discussion has been moved.
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Student loan payments from self assessamnet
Hi, I am full time employed but did a but of extra self employed work last year, and filled in my self assessment and paid the taxes in April. My understanding is they dont actually collect those taxes till the end of January, but I was wondering at what point the student loan contribution will come off my balance? I am…
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Debt following death
Hi, I’m looking for advice please regarding the outcome of debt / loans following death ... my father has obtained approval from Black Horse Finance to purchase a static caravan worth £20k. He has done so by using my mums details who has dementia and is 79 years old and receiving a carers allowance. When we discovered this…
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Applying for loan.....
Does a lender get a up to date (today) of your file? IE: If I overpay my CC...this doesn't show on my credit file until the next month. Do they see the same?
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High interest rate due to second property
Hi I have recently bought an additional property with a second residential mortgage, since doing so I cannot get a good interest on a personal loan (Car) even though my credit report is good, how long will this be the case for? Will I ever be able to get a good interest rate on a loan while I own second property? Thanks…
