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WOW just recieved a refund for pp even though i didnt ask!!
i recieved a letter yesterday saying that my loan which was paid off last year has been reviewed, and they decided that i should recieve a part refund of my pp payments, i didnt even ask!! the bank say its part of there on going customer satisfaction???? well im pleased, even though its only half the amount, i am shocked!:T
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Bad Credit Help
Hi, sorry if this is posted on the wrong forum, but here goes. Myself and girlfriend have been living in our new mortgaged home for approx 14 months now and we have been having problems swapping are current loan of £17000 to a new bank with a better rate. I have had the equifax report back and it says I have a good credit…
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Can anyone give me some advice?
Hi there, Adding up my all my debts i've got around £14k Around £8k on a loan with the Nationwide And about £5k across 4 Credit Cards And £1k-ish overdraft My loan payments are £270 a month for the next 3 and a half years and I spend around £200 on credit cards but the credit card debt doesn't seem to go down and i'm…
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Can't understand my credit score
I have recently been refused an unsecured £8k car loan, and having never been refused credit before, I decided to check my credit score with Experian. I was shocked to find that my score was 567 (Poor). I have an excellent credit record and have never defaulted on any payment. I have a regular income (£34k), am a…
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One month’s interest scam??
Hello – I need some advice! A couple of years ago I got a £20k loan at 22.9% (desperate times desperate measures!) As part of my DFW plan I have got a new loan at 9.9% (still not cheap, but considerably less) to pay this off – even with the one month’s interest penalty for early redemption it’s going to work out a big…
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credit score and loan refusal question?
I wondered if you have any ideas where we stand. the situation is as follows: - our credit rating is Good - we checked with Expirian. - However on Friday we were refused a loan with the Nationwide. Because we had gone over our overdraft limit on April 1st as my husbands salary didn't transfer quickly enough from NatWest…
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Car lease disguised VAT
Hi I recently asked for a quote from a certain major car lease company for use in my business. The car was suitable for my needs so I went ahead and placed a confirmed order with the lease company, supplying my bank and credit card details as a credit check. This form had to be signed and faxed across before the order was…
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Help please!
Hi bit of a tale but i hope someone can help about 3 years ago me and the other half found ourselves in dire straits financially ( various reasons overspending on credit cards and a major illness) to cut a long story short we went into debt management with chiltern we gave them all of our debts etc and they told us an…
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Credit rating Excellent ...but turned down !!
Just checked my credit rating and have a score of 986/1000 also no late payments (I do move my credit card debt around a bit) but have been turned down by waitrose credit card (I was after some dicount as they are our only supermarket within 17 miles) and a couple of cheap loan companies, any one got any ideas as to why…
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Need sensible advice re secured loan
Right, I've just done Martins budget thingy. I have my own one but i thought I'd fill in his too. what it revealed is what I already know. My boyfriend and i pay nearly £900 per month to various loans, store cards, credit cards etc. We have a mortgage, which we have only had for a few months. In fact, its having the…
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credit union
I have heard of the credit unionbut never fully understood what it did - until tonight. It sounded good to me going by one persons summing up (and he is bankrupt). Can anyone else tell me what they think of it and if it is worthwhile investing in? Many thanks
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Business Grant Advice
Please move this thread if its in the wrong place ! :) My sis wants to set up her own small business providing a service to elderly people or people with learning difficulties in the Derby area as a activity co-ordinator. She has a qualification in Occupational Therapy. She is looking into the Princes Trust for a grant but…
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Serious Help needed - I've been a fool !
How i wish i had visited this place earlier. I'm currently trying to get an unsecured loan in the amount of £4000 to consolidate all my credit cards over the period of 12 months. As my credit rating is a little spurious, i tried to get a loan through my workplace (High street bank) to begin with, but was declined. I opted…
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New Loan Help!
Hi Guys, Looking to borrow £10,500 have a pretty good credit history with just 1 credit card with about 3k on and a £123k mortgage with no history of missing payments etc. Im looking to get 2-3months payment holiday before the loan as well as a bit of a necessity.... Ive seen that ASDA do a 3month payment holiday but the…
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Tenant Loans
Are there any companies that aren't rip off merchants? I got approved for Yes loans, but seeing not a single good thing about them and hearing about their admin fee I don't think I'll be wasting my money on that. I need a tenant loan of £2000-3000 which I plan to pay off within 2-3 years. Has anyone seen any that aren't…
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Car Ropesession
Please can you help, I was due to have finished paying off my car on the 30/3/2007, I missed the last 3 months payment by default because I cancelled my Direct Debit and forgot to reinstate it. I only realised when someone made contact by phone to let me know, they wanted £1200 from me or my car by the following day. I had…
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Unsecured loans
Hi everybody First time poster long time listner here, anyway i was wondering if any of you lot could give me a bit of advice? I am currently trying to get a loan as i have a few debts i would like to pay off (nothing serious, more to friends who i've owed money to for ages) and also i'd like to be able to get myself a…
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Variable or fixed graduate loan?
I'm going back to uni in september to do a two year law course and have just been to the bank to sort out my loan to do so. I'm borrowing £11k over two years, which is fine, but at the question, do you want variable or fixed my response is basically 'uh?' i have no idea! the fixed rate is currently 7.65% and variable 7.5%…
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best loan to get?
[COLOR="Magenta"]hi all can anyone please advise on the best loans right now....i do unfortunately have bad credit from previous debts which i am currently paying back through Wellbeing Services (brilliant finace dealers!!!) but i would like to get totally clear and find a loan company with a low APR and as we live in…
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£20K CC debit into NR Loan?
Hi guys and gals, First post - need to get a major grip on my finances so any help very much appreciated. Basically, I have about £20K in three maxed out credit cards, plus £17K in a Sainsburys secured loan. Ouch, I know. Still, you've got to start somewhere, right? :rolleyes: My wife and I are expecting our first child in…