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🎓 Got a student loan question? Head to our Student MoneySaving board
For discussion of everything to do with student loans and student finance, please head to our Student MoneySaving board.
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New to the Loans board? Start here
Useful links within the forum * Credit File & Rating board * Debt-Free Wannabe board Useful links to MoneySavingExpert.com guides * Cheap Personal Loans * Loans Eligibility Calculator * Cut Existing Loan Costs * Cheap Car Loans * Short-term and payday loans * Should I get a loan if I have a bad credit score? * Bridging…
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Loans - Important links - please read
Hi folks :) This is the new Loans Board Sticky where links to all current important threads will be kept. Links: This thread is for quick links to threads in this board. IMPORTANT - Problems with debts, payday loans etc? Payday Loan Survival Guide from Govan Law Centre Lending money to friends & family Cheap Credit Card…
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Overpaying Tandem 2nd Charge Mortgage not making a difference?
We took out a loan to consolidate our debts a few years ago. Knowing the payments being made were not really making a dent in the principle amount we are now in a position to heavly over pay, We are wanting to do this for 2 reasons. 1 to reduce the over all interest paid and 2 to clear the debt as quickly as possible. When…
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Admiral Money - Fake commitments
a { text-decoration: none; color: #464feb;}tr th, tr td { border: 1px solid #e6e6e6;}tr th { background-color: #f5f5f5;} I’m sharing my personal experience with Admiral Money so others can make an informed decision. After falling into temporary financial difficulty, I engaged openly, made a goodwill payment, and tried to…
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Aviva weaponizing AML to delay customers paying off loans.
My father took out an Aviva lifetime mortgage in December 2025 and passed away early January 2026. The money then sat in his account and was not even drawn down. I have been attempting to pay off his loan for the last 3 plus months and Aviva have been (in my opinion) using their compliance process to deliberately make it…
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Need advice for my mum
Hi everyone Really need advice for my mum who is not sure what to do and I wish I could help her but I can't , my mum is in need of a new recliner chair which she uses as her bed due to a medical problem with nerves in her ribs she can't sleep in a normal bed and can't afford a special adjustable bed and unfortunately…
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Tesco Loan - Default notice (contractual payments made)
I have been on DMP for about 18months now. At the beginning when the payments to my creditors were calculated, the payment to my Tesco Loan exceeded the contractual payment so the loan never defaulted. last June I changed jobs and my salary dropped so my DMP was recalculated and new offers were sent to my lenders. The…
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I need a loan!
I’ve recently been declined for further lending by my bank, apparently due to not meeting their criteria, although no one has actually spoken to me or reviewed my situation manually. Unfortunately, I’ve been the victim of identity theft which has impacted my credit profile - something I’m actively working to resolve, but…
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Finding old loan details - elderbridge/firstplus
hi dies Anyone know how I can find old loan details from firstplus taken out around 2008 (ish). I’ve had a letter from elderbridge saying I’m due a refund, however I keep failing the security check as I don’t have the full details of the firstplus loan. I settled everything around 2015 and have since cleared out all…
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Asset Rich But With Debt
Looking to see if anyone has had any previous success in raising finance whilst having multiple debts. My situation is i have multiple debts totalling approx 40k including one CCJ, all in default, I am employed salary of approx £40k per year and own my house outright with no mortgage worth approx 500k. My credit rating is…
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NatWest loans and mitek
Hi all, has anyone experienced issues with uploading ID to mitek after signing loan agreement? I was told to email my id to yourapplication@natwest.com on the 27th Jan. which I have done. Advisor on phone can only confirm “ in progress”
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Minimising ERC on Tesco loan
Hi, I have a £5000 loan with still 4.5 years to run at approx 6%. I now have the funds to pay it off. I know I can make unlimited overpayments without charge but if I pay fully off there is ERC. Can I pay a substantial amount but leave the remainder to be paid off on the next installment, or will that still trigger an ERC.…
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Can a Lender Legally do this?
Hello, My younger brother took out a unsecured loan for £2368 from a high street bank at 6.4% Interest rate over 36 months agreement. However my younger brother lost his part time job and no longer can afford the monthly payments and the lender registered a default on his credit report but the lender registered the amount…
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Voluntary Termination - Santander Online Form
Hi We sent our VT letter (via email and post) to give notice as of the 4th March. After a few days we received an automated email requesting us to complete an online form. As part of the form it has a link to there terms and to completed the form you are required to tick a box agreeing to there term (refurb costs,…
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Personal Loan v Credit Card Cash Transfer
Had a few personal loans over the years no problem. Want to borrow around £4000 and the quotes I've got are between 12% and 24 % apr I checked on my Halifax master card and for a cash transfer to a current account there is no fee and an apr of 5.9% over 30 months I would be paying it off in a maximum of 12 months Is this a…
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Eligibility for car loan
Hi all Just seeing if anyone has any experience/guidance to offer.. Recently needed to repair my car, and unexpected, Bumper offered credit. Initially about £ 1,700, then yesterday, shot up to £ 4,800. I know this is based on a soft search, but can anyone offer an comment about how this level of credit on a soft search…
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Loan before sale of house?
Hi I'm currently going through probate and will be selling the house after confirmation but there has been lengthy delays. I had hoped to sell it before July but that might not be possible now. My question is, what options are there, if any, of increasing chances of a loan once the house is up for sale? I'd be looking for…
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Moved: PCP Breach
This discussion has been moved.
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Family loan and investment
I have already sent £95k to my son to purchase a property for me in Dubai as I'm not currently there. His girlfriend has a work permit and with her income is able to get a mortgage with my money. All this has happened already and I sent over a very rudimentary document with salient facts but I was wondering if somebody had…
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V12 RETAIL FINANCE FRAUD
I am the executor of my late mothers estate who passed away last year. Since taking over as executor i have identified multiple fraudulent debts taken out in my mothers name by another family member over a 3 year period. My mother was diagnosed with Alzheimer's before any of these credit agreements were taken out and did…
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Can car repossession be stopped
I’ve had a ca 18 months on a 5 year ho agreement. All was fine unfortunately then I got ill and missed 2 payments (the we’re aware of my illness) then through my stupidity I’ve missed a third (thought I had more money in the bank than I did) I have spoken to the company and they had said that the agreement is terminated…
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Irresponsible lending
im not sure if this counts as irresponsible lending case. I have bipolar and was unwell at the time of taking out a loan. I was given a £6000 loan with £8200 to pay off including Interest. I was a monthly payment of £339 over 2 years. I managed to pay 3 months of this but ended up in Korea debt using credit cards etc. they…
