cant anyone help?

stationlane

iv just got a house and getting married next year. am just having problems getting a load and i dont know if am doing it the right way. iv got outstanding a credit card a unsecure loan with halifax, i want to get a loan to pay these off and have a little for the wedding i have...

credit card £1673.32
loan £6941.46

i think am paying to much for my loan ?

my gross anual income is £25000 my partner just works part time at the minute as she just moved to the area and is looking for full time work

i dont know if its better to pay them to off and just have the one loan payment, but i am stuggling to get a loan due to me having low equity
can anyone help

chunky79

If its on your equity does that mean it will be secured on your house? Could you not go to the bank, is your credit rating good? I would check out your credit file. If you register with quidco and go through them to register with Experian you will get £5 with Quidco and a free 30 day trial don't forget to cancel before the 30 days are up though.

jo74_3

Hi there,

If you get your credit report from experian, it will give you an idea of your credit score - this will then give you an idea on what companies will give you a better deal.

Hope this helps.

Good luck for your wedding!

Jo

hypno06

If you have only just moved, it could be because you are not on the electoral roll. Have a word with your local district council to find out and to get yourself added.

Also, consolidation is not generally the way forward, have a look at southernscouser's sticky for newcomers at the top of these threads and put together an SOA. Post it on here and the great and the good of the DFW community will see if we can find other ways of making your budget a little easier to deal with the loan and credit card payments.

robnye

contact credit card supplier and see if they can change it over to long term low interest rate