Hi Jessgirl In the current climate, the missed payments on the credit cards will hamper your ability to obtain a loan at a competetive interest rate. That said, there are still companies in the market place that cater for customers who have adverse credit. There are also several brokers in the market who will say they can find you a loan for an ...

Hi Katkins Firstly, I would like to say you have definitely done the right thing by seeking help. Far too many people don't, and their situation becomes worse very quickly. I can see that you have looked into what options are available to you, you are correct in saying that 2 of the Debt Management tools available to you are a Debt ...

Hi Julia Thanks for all the above information. The information that is most valid in whether you are able to look at obtaining a better deal on your secured loan is your mortgage balance and the value of your property. You state that your property was valued in February last year at £91,000 and you have a outstanding mortgage balance of ...

Hi Alasdair. Thank you for your above post. The VE Group are not a company that I am familiar with or that I have any dealings with in the past. Please allow me to look into this matter further, I will contact UCC to confirm the above and they can shed some light on this for you. I will invite UCC to directly respond to you on this forum and ...

Hi Leigh38 Whether or not you can secure a loan on your new property will depend on a couple of factors. Are you living in the property? - Some lenders will only lend to customers who are resident at the security address. What is your Loan to Value - If you are not resident at the security address then the maximum LTV is 65% (Including the ...

Hi courawoora. It is possible that the reason for Abbey declining your application is the number of times you have been credit scored in such a short space of time. If you are making more than one or two applications for credit within a six month period this can have an adverse effect on your credit score, so the fact that you made seven ...

Hi Benny99 Platinum Loans is a brand that is exclusive to Moneysupermarket.com customers and was launched through our website in September. The Platinum Loan is through Central Capital, one of the UK's largest secured loan brokers. The exclusive rate of 7.5% APR is only available if you apply via MS.com and is currently the cheapest secured ...

Hi Julia08 The options available to you will very much depend on a) how much you are looking to borrow b) how long you want to pay the loan over c) the amount of equity you have available in your property and d) What your credit rating is. With the markets being the way they are at the moment obtaining an unsecured personal loan is becoming ...

Hi Willow51 Is it possible that the loans you have applied for are secured loans? If so this will be the reason you are being turned down. A secured loan is a 2nd charge against your property and you must have a 1st charge (mortgage) to have a second charge. If this is not the case, and you are applying for personal or unsecured loans it may ...

Hi James. I think you will find it extremely difficult or even impossible to obtain a loan in your current circumstances. The fact that you haven't made a loan repayment for 6 months will mean you will have at least 1 default registered against you. This coupled with the fact that you are in arrears elsewhere will make it highly unlikely that ...