http://www.moneysupermarket.com/community/forums/loans-3.aspxenCommunityServer 2.1 (Debug Build: 0.2)http://www.moneysupermarket.com/community/forums/t/100-secured-loans-with-poor-credit-39845.aspxSat, 21 Nov 2009 22:32:04 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169326chips4free4http://www.moneysupermarket.com/community/forums/t/100-secured-loans-with-poor-credit-39845.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=169326 hi I need secured loan lending +100 % ltv as I have no equity (I also have 3 years old ccj) Anybody know of any lenders doing this. Only thing I have found is real personal finance unsecured at 85%apr but my personal limit is 15-18%apr max. No doubt some moron will say lending over 100% caused all this mess, but I am young and loaded. http://www.moneysupermarket.com/community/forums/t/experian-credit-score-891-v12-finance-turn-me-dow-39641.aspxThu, 12 Nov 2009 15:57:59 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168551Hipster16http://www.moneysupermarket.com/community/forums/t/experian-credit-score-891-v12-finance-turn-me-dow-39641.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=168551 I tried recently to obtain credit from V12 finance for a measly £300, only to be turned down flat. They, as usual, don't tell you why, but mention you should obtain your credit score from Experian, which I did. 891! A 'great' score. Why did I get turned down? I've never been turned down for anything in my life...is the recession that bad?? Annnoyed. http://www.moneysupermarket.com/community/forums/t/welcome-finance-help-36230.aspxThu, 25 Jun 2009 12:17:19 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:154784nickybird5http://www.moneysupermarket.com/community/forums/t/welcome-finance-help-36230.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=154784Hi I have a loan with welcome and asked them 2 years ago to defer a couple of payments. They were really happy to do this. I thought great. They then started adding charges on without telling me of £25 for each late payment. Eventually I couldn't afford the loan and they repossessed the car. I had been paying the loan for 40 months of the 48, they took the car a year ago. Last week I had a call to say I still owed £6,700 of a £12,000 loan ( the car was only £5,000) I got them to agree a settlement of £2,00o ( although I don't even think I owe this). This week I got a letter from the Lewis group for an immediate payment of £6,700 to be paid immediately. Be very careful with Welcome. I now do not know which way to turn or what to do. So if anyone can advice me I would be grateful. There is also a lot more to my situation and how they came to give me a loan. All very dodgy.http://www.moneysupermarket.com/community/forums/t/wanted-short-term-loan-39783.aspxWed, 18 Nov 2009 18:03:23 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:169041investor12http://www.moneysupermarket.com/community/forums/t/wanted-short-term-loan-39783.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=169041Is it possible to get a loan without Early Redemption charges, and do most of the companies have a 14 day cancellation agreement ?http://www.moneysupermarket.com/community/forums/t/upfront-loan-fees-39607.aspxWed, 11 Nov 2009 18:29:49 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168431chapperz3http://www.moneysupermarket.com/community/forums/t/upfront-loan-fees-39607.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=168431 Hello has anyone heard of magic finance? Made a payment to them yesterday for a 'holding fee' of 69.99, thye have told me i have been accepted by one of their lenders black horse finance and will be hearing from them andf getting the payment back on completion? Unfortunately i didnt find the forum thread on upfront fee's until i made the payment. http://www.moneysupermarket.com/community/forums/t/efinance-efinance-uk-efinance-gb-and-eufinance-34172.aspxWed, 22 Apr 2009 14:51:41 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:146769joanne2848http://www.moneysupermarket.com/community/forums/t/efinance-efinance-uk-efinance-gb-and-eufinance-34172.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=146769im just wondering if anyone has used efinance-gb?or even heard of this loan provider?i recently took out a loan with this company and had to pay an admin fee of £48.90,they informed me that my lender was commerzbank,having tried to make contact with efinance-gb through email and telephone i have been unsuccessful in doing so as there web page is down.http://www.moneysupermarket.com/community/forums/t/looking-for-a-way-to-get-a-mortgageloan-to-redeco-39654.aspxFri, 13 Nov 2009 11:06:30 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168599prem0nition1http://www.moneysupermarket.com/community/forums/t/looking-for-a-way-to-get-a-mortgageloan-to-redeco-39654.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=168599 I have recently inherited the house I am living in after a grandparent passed away. I have been my grand parent's full timer carer for the past few years, and therefore have a large space in my employment record, which, in the current climate, as well as the area I am living, is making it difficult for me to find work. What I would like to do is sell the property and rent in an area where I am more likely to find employment. Unfortunately, the house needs quite a bit of work to bring it up to a good condition for sale. The house itself is owned outright by myself, there is no mortgage or any other debts attached to the property. I am looking for is a loan or possibly even a small mortgage that will provide me the money to redecorate the house ready for sale, and deal with any possible charges that may arise while selling the property. Unfortunately, I do not seem to be able to find anyone willing to offer a loan or mortgage to myself due to my lack of employment, despite the fact that I have a good credit record. I would like some advice on possibly securing a loan/mortgage in my current circumstances, or if I should consider other options (such as "sale and rent back" or other schemes) Thank you for your time, and any help you can give me. http://www.moneysupermarket.com/community/forums/t/mortgage-loan-39631.aspxThu, 12 Nov 2009 11:36:40 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168493miserly2http://www.moneysupermarket.com/community/forums/t/mortgage-loan-39631.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=168493 Good morning Sky Blue Finance - Does anyone know whether this firm is reputable? My cousin (who has bad credit) has applied for them for a mortgage as he has been turned down by 2 high street lenders TIA Miserly http://www.moneysupermarket.com/community/forums/t/loan-for-used-car-needed-however-i-have-no-credit-39306.aspxThu, 29 Oct 2009 16:35:14 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167197mattyprice40043http://www.moneysupermarket.com/community/forums/t/loan-for-used-car-needed-however-i-have-no-credit-39306.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=167197 Evening all :) I currently have a bit of an unreliable car, and would like to borrow £2,000 to get something a little more solid. I am 20, earning £18k a year and live at home. Any ideas where my best source for a loan would be? Already been declined by Sainsbury's. Cheers Mat http://www.moneysupermarket.com/community/forums/t/rescheduling-a-bank-loan-39541.aspxMon, 09 Nov 2009 12:08:21 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:168148etom3el1http://www.moneysupermarket.com/community/forums/t/rescheduling-a-bank-loan-39541.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=168148I took out a secured bank loan for £9,000 at 12.8% a year ago and have another 4 years left to pay it off. Having read the Black Horse Personal Finance article, I would like to know whether it would be worth me moving this loan? I have an excellent credit rating with a £200,000 house, no mortgage and no other finance agreements. Can anyone advise me please?http://www.moneysupermarket.com/community/forums/t/loan-39486.aspxFri, 06 Nov 2009 10:32:11 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167956muppet741http://www.moneysupermarket.com/community/forums/t/loan-39486.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=167956 I am desperate for some help in getting myself out of debt. I have a loan of £140.05/month but I need to pay it off and pay a credit card £1300 as well. I am desperate to get this matter resolved as I cannot carry on living like this. I work full time but I cannot seem to manage. Please help me someone. Thanks Sam http://www.moneysupermarket.com/community/forums/t/how-to-get-a-personal-loan-in-uk-27305.aspxSun, 02 Nov 2008 22:19:44 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:118171HunkFromIndia2http://www.moneysupermarket.com/community/forums/t/how-to-get-a-personal-loan-in-uk-27305.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=118171 Hi working in Uk from last 3 months with a good salary and im on HSMP.( my visa is valid upto 2010) am i eligible to get a personal loan in UK? can any suggest how to get a personal loan in Uk. Place of Residence : London Landed in Uk : 4 months back. http://www.moneysupermarket.com/community/forums/t/14-day-cooling-off-period-39271.aspxWed, 28 Oct 2009 17:00:02 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167099KIMBERLEE2http://www.moneysupermarket.com/community/forums/t/14-day-cooling-off-period-39271.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=167099 Hello, I recently received a call from a loan broker who took a admin fee of £44 from me stating they could give me a £2000 loan to help me get out of debt. After a week I realised that they were going to be unable to help me and therefore I took advantage of the 14 day cooling off period stated in their terms and conditions. Now they have got back to me saying they can only offer me a £15 partial refund due the amount of work that has been carried out. Is this reasonable or are they trying to get away with it? Your help would really be appreciated on this matter as I am young and not very savvy when it comes to contracts and the like. Kind Regards, Kimberley Estenson http://www.moneysupermarket.com/community/forums/t/payday-loans-help-39267.aspxWed, 28 Oct 2009 15:54:28 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:167089micha1114http://www.moneysupermarket.com/community/forums/t/payday-loans-help-39267.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=167089 I appreciate I will get some unhelpful remarks here, but anyway here goes. I have been a bit rubbish recently and overspent, causing me to take out some payday loans just as short term cover. I'm not in any financial trouble with them, they are all being paid etc, but I currently owe the following: MEM Capital - £75 (due 30/10) Wonga - £300 (due 27/11) Quick Quid - £150 (due 30/10) Cash Choice - £187.50 (due 27/11) Payday Express - £150 (due 27/11) What I want to know is, prior to taking these out I had really good credit and would have been able to take out a mainstream loan (but this just wouldn't have been quick enough at the times I've needed the money) but that of course is what I now want to do, take a loan out of about 10k over 2 years. I'm in FT employment, earning £25k a year, no defaults or CCJs or anything, and am now a homeowner too. If I try to apply for a loan now, will these outstanding/recent payday loans cause me any trouble? They will all have been paid off or be in the process of being paid off, as I am managing them fine. Would a lender see this as me being bad with money in terms of needing them, or good in terms of paying them all off okay? I know a payday loan is not the cheapest or most sensible way of dealing with cash flow problems, but there's not many other options that are so quick and easy. I just hope I've not damaged my chances of getting the real loan I want for home improvements now. Any advice you can give would be most appreciated. Thanks Micha http://www.moneysupermarket.com/community/forums/t/please-help-welcome-finance-39243.aspxTue, 27 Oct 2009 12:52:29 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166972Aaron20091http://www.moneysupermarket.com/community/forums/t/please-help-welcome-finance-39243.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=166972 I got a car loan from welcome 2 years ago, can i stop paying them as they broke the law within the contract its with my solicitor at the moment (they are a 100% the contract welcome had me sign is illegal - they added interest on a few things that they cannot do by law), but this is taking so long. Welcome keep being really nasty over the phone calling 3 times a week to confirm payment date. Sending letters say don’t forget your payment is due for the 30th and its very important that the money is in the bank. Can someone please advise what to do, pay or don’t pay? Sorry about the grammar im just real angry about all this http://www.moneysupermarket.com/community/forums/t/small-loan-to-rid-of-payday-loan-38815.aspxWed, 07 Oct 2009 10:13:13 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:165236itsme844http://www.moneysupermarket.com/community/forums/t/small-loan-to-rid-of-payday-loan-38815.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=165236I'm looking to get a loan of £800 to pay off a current outstanding payday loan and another outstanding bill. Both have to be paid in my next wage and I just don't have enough money. Does anyone know of a company who would let me have £800 asap but would let me pay it off in installments? http://www.moneysupermarket.com/community/forums/t/secured-loans-39209.aspxSun, 25 Oct 2009 13:45:11 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166809ladymissk4http://www.moneysupermarket.com/community/forums/t/secured-loans-39209.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=166809 i am currently paying a total of £737 in unsecured loans. i want to apply for a secured loan to wipe these debts out and do some home improvements - i have been quoted below £400 per month. my partner is worried in case a secured loan will have an adverse effect on our "excellent" credit rating. i think it shouldnt affect us as long as the repayments are made. does anyone know for sure? http://www.moneysupermarket.com/community/forums/t/getting-accepted-for-loans-39223.aspxMon, 26 Oct 2009 10:55:59 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166862JULB2http://www.moneysupermarket.com/community/forums/t/getting-accepted-for-loans-39223.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=166862We are trying to get a loan of any description to clear off some cc debts. Most companies are knocking us back . Does anyone know of companies who are giving out loans. It seems they are just not available.Our credit rating is ok and we have never had any ccjs or anything like that. We just one want one manageble fee a month but cant seem to find a company to accept us.http://www.moneysupermarket.com/community/forums/t/fake-loan-advice-21604.aspxThu, 08 May 2008 09:49:21 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:94060GR_08150http://www.moneysupermarket.com/community/forums/t/fake-loan-advice-21604.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=94060 Hi, I applied for a loan through a loan comparison site. They rang me back and put me through to "The Loan People" who then approved my loan. A couple of days later I recieved the paperwork which I duely signed and returned, along with the admin fee. It all seemed genuine at the time, there was nothing to make me believe that the loan company was fake. The letter said I should expect the funds to come through within five working days, but I sent the paperwork back nearly two weeks ago, and the admin fee has been taken from my current account. I have tried emailing them with no response, I have tried phoning them and it just rings and rings. Also, I did a bit of research and their website doesn't show up in any of the search engines, even if you enter the URL. Is this company fake? and what do I do from here? Thanks http://www.moneysupermarket.com/community/forums/t/welcome-finance-25968.aspxMon, 06 Oct 2008 17:39:51 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:109619Kirst24http://www.moneysupermarket.com/community/forums/t/welcome-finance-25968.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=109619 Hi All, Two years ago I was in a financial mess and needed some help. Unfortunately, no high street lender would touch me - it's always been a problem and I have never known why. Even checking my credit report didn't highlight anything. Anyway, Welcome Finance offered me a life line and I took it. I took a loan out for £2000 with a repayment of £155 per month over two years (what I thought). I was desperate for the money so signed on the dotted line. Me and my partner bought a house last year and it prompted me to have a look at my credit agreement which stated my loan term was over three years, not the two I had originally thought. I had already signed and paid for a year so I didn't do anything. Earlier this year, I cancelled my PPI and they sent me out a new credit agreement. Instead of changing my monthly payment, they shortened the term of the loan but today I phoned the office because I wanted a settlement figure which they can't tell you over the phone, only by post so I am awaiting that. Whilst I was on the phone, I asked what my outstanding balance was and they told me £2170.00 - WTF?! The original loan was for £2000 at £155 per month which means I have already paid £3720 off and still another £2170 so in total for a £2000, I would be paying back £5690! I asked the lady what the total was to pay at the start of my loan and she told me £3053. When she told me that she said that there was something wrong with my account because she said in theory, you have paid more than you needed to. She transferred me to the Branch Manager who is sending me out a settlement figure and statements but didn't seem to understand what I was saying. My loan was for £2000 and the APR is 60% = £3200 to pay. I have paid £155 for the past two years = £3720 so don't they owe me money?! The Branch Manager said I owed them £311.90 that I was in arrears which is incorrect - I have never missed a payment and I have my bank statements to prove it. Please tell me, am I going insane or have I paid more than I should have already with still a year outstanding? http://www.moneysupermarket.com/community/forums/t/loans-39199.aspxSat, 24 Oct 2009 12:29:20 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166765lew_19832http://www.moneysupermarket.com/community/forums/t/loans-39199.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=166765 Loan to Loans - I writing to learn if anyone has had dealings with this company. I got a text saying I been approved for a 7500 loan after goin on Save Simply Personal Loans site yesterday, text said from HHPG. I got a call and after a few checks was told I been approved and will get forms in the post. When the fee came up I did question as not want to pay for a loan I not got. Also as already with Loanfinder I know they take fee after I get loan. The man on phone said I defiantly been accepted and the fee has now gone through. I'm sceptical now after reading other forums. I'm unemployed and desperate to cover my debts before I go travelling in a months time. I have a guarantor so thought thats why Its been easyer. Any advice or info I would be very grateful for, I worrying now I've been conned like alot of others. Will put me in more of a mess if have. Where do I go after? Lewis http://www.moneysupermarket.com/community/forums/t/total-charge-for-credit-amp-rate-of-interest-39133.aspxWed, 21 Oct 2009 10:12:59 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166491Jennieie1http://www.moneysupermarket.com/community/forums/t/total-charge-for-credit-amp-rate-of-interest-39133.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=166491 Hiya - I was hoping for a little advice and maybe a review or 2... Have any of you guys used/been with/know of FLM? I have applied for a loan of £1500 and so far - been accepted as long as i can provide a guarantor... The repayments are not as bad as some of the places i have seen... of course they are high... BUT thats to be expected when i have bad credit :(. Anyways, I have looked for reviews and not really found that much and i really can't afford to be stung this close to Christmas. Also, i am sorry if i sound really stupid asking this, BUT, on the information i have been sent.... it has the amunt i am wanting to borrow - the APR etc repayment amounts etc... ALSO it has something that says "Total charge for Credit - £838.56" and "Rate of interest 36%" What is this??? Thank-you for anyone that can help me out.. Jennie x http://www.moneysupermarket.com/community/forums/t/no-debt-no-loan-39105.aspxTue, 20 Oct 2009 00:21:52 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166343mookie2http://www.moneysupermarket.com/community/forums/t/no-debt-no-loan-39105.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=166343 Can anyone tell me why ive been turned down for a loan (£7500) when between me and my wife we earn 55% more than all our monthly expenses (inc mortgage). I wanted to get a new car 6 months earlier than id planned for, so i rang asda loans who told me that due to not having a credit card and not owing anybody any money, we are not viable. Is it true that because your very good with your money, (i.e paying £300pm over my tracker mortgage rate to get it down quicker and never,ever going overdrawn), that theres no point applying? Any advice would be helpful http://www.moneysupermarket.com/community/forums/t/bad-credit-loan-39099.aspxMon, 19 Oct 2009 18:00:05 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166319emma19792http://www.moneysupermarket.com/community/forums/t/bad-credit-loan-39099.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=166319 I have a bad credit history. I would like to borrow 5,000 to pay out standing debts and get my credit rating back up. Where can i go for a loan that will except me and hasn't got a really high APR http://www.moneysupermarket.com/community/forums/t/good-credit-but-noone-will-lend-me-money-39096.aspxMon, 19 Oct 2009 15:44:05 GMTd60303e3-0d44-49ad-b329-9875dfa2f932:166302sophie781http://www.moneysupermarket.com/community/forums/t/good-credit-but-noone-will-lend-me-money-39096.aspxhttp://www.moneysupermarket.com/community/forums/commentrss.aspx?SectionID=3&PostID=166302 I was wondering if anyone could advise me on my current situation. I have no debt (except for my mortgage and car) Ihave a credit ratingof 976, no CCJs, I am on the electoral roll and have no defaults or missed payments. I need a £10k unsecured loan to refurb my house. I applied to the Abbey who turned me down. Can anyone shed any light?? I thought I'd get a loan no problem. I have moved house quite a lot (although have been in my current house for 13 months) so I don't know if that is an issue. I don't want to keep applying as that in itself will bring my credit score down. Any help would be appreciated Thanks Sophie xx