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  1. Hi, I've taken on a professional career development loan with Co-op in 2015 of £8,500 to fund a MSc and can no longer afford the repayments of almost £300 per month as initially agreed and signed contract. I still owe just over £5,000. I've been explained by the bank that I cannot lower the monthly repayments and can only default on my payments and that after 2 missed/ defaulted payments Co-op will pass on my debt to Wescot debt collectors. Despite of written warnings on every page of my loan agreement stating that should I default on payments at any point my credit history may be "seriously affected", I have been reassured by co-op on several occassions that although they cannot put this into writing to me they can guarantee that as it's a "government backed loan" as opposed to a normal loan and therefore my credit history will not be affected as I default on payments to Co-op Or even when they pass on my debt to Wescot and then even if I miss the agreed payments with Wescot. Seems too good to be true?? My question is, can anyone confirm that this is in fact true for career development loans not effecting credit histories upon defaulted payments with the bank and Wescot? So lost and a bit anxious in defaulting without any written confirmation from the bank on this. ..Any advice would be much appreciated! Many thanks in advance!
  2. Apologies if in wrong section. Has anyone had any experience or advice of applying for a professional & career development loan. Seriously considering looking at funding for a city & guilds in painting & decorating course.I was made redundant in June & i am struggling to get work in my field & thinking of changing & improving my career options with a view to eventually being self employed. Just need some advise on funding or loans but the latter could be tricky as my credit file will be poor. Many thanks in advance Middxx
  3. I am an aged widower in good health with credit card debt as a result of helping two members of my family. They had a laudable ambition in their 40s to work for useful mature student degrees while cutting down to part-time jobs. They were very successful and now have far better jobs. I can service the monthly payments to the credit card companies in excess of the minimum but am finding the rates of interest a disgrace. How can I come to some sort of deal to pay off this debt? G. P., Suffolk. Read more: http://www.dailymail.co.uk/money/experts/article-2324818/I-gave-relatives-money-improve-career-prospects-Im-crushed-debt-repayments.html#ixzz2TaoxX8ZR
  4. Hi everyone, Thank you for all the posts and advice on other threads - I have read through them diligently over the last 5 hours, but I am still terrified and feeling downright ridiculous and am more concerned with the 'integrity screening' repercussions from future potential employers. I was in TKMaxx earlier and removed a face bronzer from it's packet and repeated that action with a nail varnish before putting them both in my bag. I was stopped outside the shop by security and escorted to the back office where I admitted to the theft, returned the items which amounted to about £12, offered to pay for them which was declined and was asked for ID. I presented my passport and student ID card and was warned to expect an RLP letter to my home address. I signed the form banning me from entry into all TKMaxx and Homesense stores. I am a 23 year old female student, recently on antidepressants (no excuse, but feel like I am totally losing touch with myself and my principles) and this is the first time this has ever happened. In my panic I volunteered my student ID card as I had no proof of address and they noted down my university name and registration number. After studying for so many years and having student debt up to my eyeballs I am now horrified at the thought that Cireco and associated integrity screening databases could render all my hardwork (and debt) useless because of this frikking awful incident. For all of you who have been very helpful on other posts and are in the know (scarlettpimpernel, 2grumpy, dx, honeybee and the rest), I would so appreaciate having your advice on the following: 1) I understand that Asda, Superdrug, Tesco, Iceland and Boots have access to Cireco's "dishonest database" however can anyone tell me which other non-retail clients RLP have? On their website they mention communications and finance companies as part of their client group. 2) I am in the process of my graduate applications which will include those to law firms (painfully ironic) for grad schemes, government and civil service fast track schemes and grad schemes within the EU, UN and domestic politics. Apparently my name will be on the "dishonesty database" for 6 years so I am almost convinced at the moment that my idiotic actions will have cost me employment in the future due to screening in recruitment processes. I appreciate that this is a dramatic assumption, however I know I will be subject to high-screening for the roles as trainee lawyer, MP staff etc. Does anyone with law/civil service/RLP background know how much of my career I have actually sacrificed? 3) Considering that my priority is my career and therefore not wanting to draw attention to my name on the database, I think I will pay the fine. I understand 99.999% of you will think this completely unnecessary, but I do not want to be remembered or risk anything more that could damage my future any further. Therefore, my question is once I have paid the fine/contribution/office xmas drinks, will RLP come running back for more money? To be completely honest, even though I don't really have the money I can borrow it from my partner and my guilt/shame will be slightly eased by paying for it and not having to worry about my parents opening countless letters from RLP while I am at uni. (I gave them my home address in my panic - so so stupid.) 4) After volunteering my university info and registration number, could RLP notify my university or use that information against me in any way in the future regarding screenings, asking for more money etc? 5) I have a part-time job in a boutique clothes shop and I very much enjoy the work and am a loyal, honest employee. Could TKMaxx/ RLP notify my work place of this incident? Lastly, (and thank you very much for reading this far), I understand this is not a criminal affair but anything that stands against my name could be very damaging, so anyone in a similar situation or with any knowledge about the scope or effect of integrity screening processes for future employment as a lawyer or civil servant, please please please come to my rescue. I am too ashamed to tell my parents - it's not how I was raised. Many Thanks Jerry
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