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Forum profile page for Loans on http://www.moneysavingexpert.com.
This report page is the aggregated overview from a single forum: Loans, located on the Message Board at http://www.moneysavingexpert.com.
This forum profile page summarizes the general forum statistics such as: Users Activity, Forum Activity, and Top Authors, which are reported in either a table or graph below for a given reporting time period.
Additional forum profile information for "Loans" on the Message Board at http://www.moneysavingexpert.com is also shown in the following ways:
1) Latest Active Threads
2) Hot Threads for Last Week
Warning: These statistics are generated using 'best efforts' and can experience delays and reporting errors at times. Please note that such statistics do not constitute a forum's popularity and/or exact posting volumes at any given reporting period.
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Posting activity on Loans:
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Week
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Month
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3 Months
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Threads:
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284
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909
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1,901
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Post:
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937
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2,877
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5,882
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Loans Posting activity graph:
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Top authors during last week:
user's latest post:
ICS Learn - Course Fee Loan
Published (2009-11-26 17:46:00)
Quote: Originally Posted by izools Yes I do have keen aspirations to go to University. I don't want to do it now, but I would like to have the option, and would like the enrollment process to be as easy as possible when I feel the time is right. I would start of with a BSc in the field of Computing / Language / IT, but for that I need excellent results in A Level Maths - not just an Access course. Unfortunately I was greatly let down as...
user's latest post:
Advice wanted for non-English...
Published (2009-11-23 15:23:00)
Most lenders would have a problem in letting someone who couldn't speak english enter into an english written loan agreement. Ambulance chasers would be all over them like a rash trying to get the loan written off due to the (not unreasonable) assumption that allowing someone to enter into a contract they do not understand would be the basis of an unfair relationship.
user's latest post:
Have I got an OK deal?
Published (2009-11-26 19:08:00)
10.8% isn't that bad, although you've not really given enough info to say much more. A friend of mine got 8% from Sainsburys recently, but she is a) a home owner, b) mid-30's, c) responsible with credit, d) only has 1 credit card and a mobile phone contract and mortgage. i.e. prime territory for optimum rates.
user's latest post:
New Kitchen
Published (2009-11-25 09:45:00)
In answer to the OP's question, there is no chance of the finance being approved.
user's latest post:
Calls from loan companies and...
Published (2009-11-25 17:11:00)
Unlikely to be able to do anything now you have offered your info What made you think it was HFC (what website did you give all your details to)???
user's latest post:
When to pay off loan...
Published (2009-11-24 11:53:00)
your logic sounds reasonable assuming the PPI pays of interest and principle if its interest only you will gain nothing that your mother is not going to be working over the next 12 months
user's latest post:
Completely Conned and feeling...
Published (2009-11-25 16:23:00)
You may be able to get the £45 (less £5) back if you are persistent. Look at all the posts here from people who have been similarly conned.
user's latest post:
Loan Consolidation-Too many...
Published (2009-11-23 16:17:00)
£5,100 + £5,300 = £10,400 which is over 50% of your salary. A bank has to prove that a loan is affordable, and after rent, bills and essential living costs, meeting payments on this much debt could be seen as unaffordable. Use one of the complaint letters on this site for your charges. Regarding the interest rate on your new loan, complain that you have been missold if the interest rate is a lot higher than your existing debt and that you...
user's latest post:
Taking a 'friend' to...
Published (2009-11-25 14:38:00)
Would recommend doing it via MCOL as much much much much much easier than filling out all those paper forms.
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Latest active threads on Loans::
Started 2 days, 9 hours ago (2009-11-26 00:15:00)
by Apples2
Quote:
Originally Posted by danrogers
whats the very worst that can happen if i simply refuse to pay,
Where would you rate coming on MSE and telling the World Dan Rogers is a complete fcukwit??
Started 4 days, 21 hours ago (2009-11-23 12:23:00)
by woody01
Quote:
Originally Posted by therecordcollector
We are friends (of some two and a half years) of a Polish couple and their small son. They have little English (though rather more than we have Polish!) and have sought our help in finding a company prepared to lend them £500 to be repaid in six months. Can anyone recommend a course of ...
Started 11 hours, 35 minutes ago (2009-11-27 22:06:00)
by spark_deals
Started 1 week, 2 days ago (2009-11-18 17:52:00)
by LeeSouthEast
I heard 3 in 2 months or 6 in 12 is starting to become detrimental on a thread a while back. Make of that what you will.
Started 11 hours, 48 minutes ago (2009-11-27 21:53:00)
by woodbine
Is this a charge for a loan offer you have in writing or for one of these scam merchants who promise to find a loan for you for a fee,if its the latter forget it,if its the former who the hell are they?
Started 1 year, 9 months ago (2008-02-14 14:14:00)
by Rafter
robbie,
First thing is not to let them get you down.
Write requesting a full breakdown of charges and their costs.
Lodge a claim against them for all the charges (pending the outcome of the high court case currently going through to prove whether they are lawful or not).
Go and talk to citizens advice if you need help with this.
Don't pay them the ?800 while it is disputed....
Started 1 day, 20 hours ago (2009-11-26 13:36:00)
by BenL
Did you have a go Andy?
I will be applying to Tesco in December unless the rates change a lot in the meantime.
The typical apr for under £15K, 7.8% looks v appealing.
Started 11 hours, 49 minutes ago (2009-11-27 21:52:00)
by woodbine
my honest advice? Dont go into more debt to pay for xmas pressies,just buy small gifts for close family and let the rest go without,this time next year will be better(it always is if you dont get into more debt for this xmas)
Started 11 hours, 52 minutes ago (2009-11-27 21:49:00)
by woodbine
I doubt that given your admitted recent repayment problems that you will succeed,you would be better doing everything you can to improve your credit rating,then re-assess your circumstances in 12 months time.If you can afford £250 a month wouldnt that go along way to sorting your problems anyway?
Started 2 days, 9 hours ago (2009-11-26 00:08:00)
by fatbelly
If the loan is cleared, there is no case.
If there are no arrears, no order can be made.
If the arrears are below two months it is unlikely that any order would be made
If the arrears are above two months, the judge would ask if you are able to recommence payment of the contractual monthly instalments together with something towards the arrears. If this is so, then he/she would ...
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Hot threads for last week on Loans::
Started 1 week ago (2009-11-20 10:40:00)
by nomoneytoday
Can you not still start the roofing business, whilst paying a token amount until it takes off?
Started 1 week, 2 days ago (2009-11-18 10:39:00)
by Rafter
I think this is a sensible decision.
If you have borrowed money that you have no hope of repaying, we live in a civilised society when you don't have to and can declare yourself bankrupt.
If you have an unfair or illegal credit agreement then you have redress to the financial ombudman service.
If you have borrowed money, enjoyed the benefits of whatever you bought but somehow think...
Started 4 days, 21 hours ago (2009-11-23 12:23:00)
by woody01
Quote:
Originally Posted by therecordcollector
We are friends (of some two and a half years) of a Polish couple and their small son. They have little English (though rather more than we have Polish!) and have sought our help in finding a company prepared to lend them £500 to be repaid in six months. Can anyone recommend a course of ...
Started 2 days, 13 hours ago (2009-11-25 20:35:00)
by izools
Can anyone tell me if ICS Learn hold a credit license?
They offered me some courses and offered to allow me to pay by installments.
They took my direct debit details over the phone, but as far as I am aware, I never entered into a credit agreement or contract of sale with them. They never ran a credit check on me nor did they ever advise I would be entering into a credit agreement. The ...
Started 2 days, 9 hours ago (2009-11-26 00:15:00)
by Apples2
Quote:
Originally Posted by danrogers
whats the very worst that can happen if i simply refuse to pay,
Where would you rate coming on MSE and telling the World Dan Rogers is a complete fcukwit??
Started 1 week ago (2009-11-20 13:18:00)
by Happytogetdebtfree
i dont know but why should you repay agin have you a copy of terms and conditions ? my only query would be if it is a runing course you paid for a specific cpourse and maybe you did not finish it so trying to join a new course may technically cost money? what is the mcsdt course anyhow ?
Started 1 week, 1 day ago (2009-11-20 09:01:00)
by Eric Pisch
Thats around 25% apr which is not cheap especially over such a long period
would it be possible to look at something cheap say in the 1-2k bracket just to tide you over?
Started 1 month ago (2009-10-27 15:10:00)
by vaporate
No written agreement/contract. Not enforceable.
There is a thread about this. You will receive the same reply from others I guess.
Started 1 week, 1 day ago (2009-11-20 08:57:00)
by Eric Pisch
alot of trust involved in this
if you pay him the money and he does not clear the debt the hp company will come after the car
The only way I would contemplate this if I could pay the HP company and him at the same time. TBH thou to much hassle, uncertainty and risk for me.
Started 5 months, 1 week ago (2009-06-22 14:36:00)
by cakinwande
Loan Companies to avoid
I think this would be a good place for people to mention any loan companies that charge £40-£50 to process your application knowing full well they will not find a suitable lender for you.
I for example have been looking for a loan and stumbled across lots of these companies. Here are a few to avoid!
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