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Advice just got a new job and am considering a loan for car
I've just got a new job which is paying considerably more than i'm currently on they've offered me a company car but i've turned it down in favour of an additional monthly payment into my account and am considering buying a newer car than my current one. To do this immediately i'll need a £5000 loan most likely spread over…
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where can i find a loan ??
Hi everybody, First i'm french..so i apologize for my bad english. I need a loan.. £6000.. I'm 32 yo.. architect.. Working in Full time in an architectural office.. earn £27000 per annum .. living here maybe for the rest of my life..but just from September 2006. And because neither i'm not british, nor i'm not here for…
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Rejection from own bank
Hello, I have recently applied for a loan for £7,500 over 4 years to consolidate my credit card and overdraft debts. Although I didn't obtain my credit record I'm sure I've got a good credit rating as I've never missed any payments apart from once when the direct debit was not set up and this was years ago. Anyway I was…
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Bank refund problem
I purchased from Currys a widescreen TV ON 10TH January 2007 on a buy now pay in 6 months etc offer,through HFC Bank.I sent a cheque to clear the £599 off in full on the 6th July, 9 days before the final due date of 15th July. By mistake they then on the 15th (as I hadn’t stopped my £24.06,owing to the fact that I had…
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No reply by email from your personal loan.co.uk
Hi - I applied to this company at 1pm toaday and as of yet have had no reply, they state they will email you within minutes but def within 4 hours. There appears to be no way of contacting them on the phone can anyone help? Or has anyone applied and it has took longer? Thanks Elle
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Cahoot Flexible Moan - Digging my heels in
Like many people I took out a Cahoot Flexible Loan for the flexibility of drawdown and payment options that it gave. At the time I was planning to move home and felt that it would be useful to cover any unknown/unexpected bills involved and so, although slightly annoyed with the higher than expected interest rate (7.2%)…
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Car loan reducing payments
I changed from having a company car for years to buying a Saab Convertible over a 4 year term with a balloon payment at the end. I am currently paying £640 a month for the car which I can manage due to the car allowance I receive, I am however struggling to cover costs like road tax, servicing, tyres etc I was told by the…
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Employment details on loan applications
Hello, I am planning to apply for a loan and would like to know if anyone knows why you are required to give your employer's contact details, as I wouldn't want my employers to know my financial situation. Are your employers contacted or is it just for information to 'prove' that you are actually in employment? Thanks you
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Procedures that should be followed by a loan representative.
Hello all. We are currently disputing the way in which a loan was sold to us, we were advised that some things were not right in our situation, we are now led to believe that we can fight our case, its been suggested that if the representative followed guidelines we would not have been accepted in the first place. How can…
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Default letter..
My gran has just recieved a letter at her address saying that my bank are taking me to court for defaulting on my loan. I dont know how they got her address. The reason i defaulted on my loan is because i went to south america to visit relatives for a couple of months and lost my job while i was there. I thought i had…
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Loan Pay Off
HI THERE PEOPLE I HAVE A LOAN THAT I CAN OVERPAY ITS APR IS 7.9 I BORROWED 10000 AND I KEEP PAYING OFF 50 POUNDS HERE AND THERE AS WELL AS THE MONTHLY FIGURE WHICH IS SET CAN ANYONE LET ME KNOW IF I AM GOING ABOUT THIS THE RIGHT WAY OR WOULD THERE BE A BETTER SOLUTION:T :T :T :money: :T :T :T
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Don't understand?
Hi All I took a personal loan with Alliance and Leicester of 6500 for 36 months at a rate of 7.9%APR which gives me a monthly repayment of 202.68 the total charge for credit is 796.48. This loan is into its fourth month at the moment. I have found that i will be getting a bonus of 2000 from work and thought I could use it…
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Confused about a loan...
My husband bought a motorbike back in January. He was told by the dealer that he would be taking out a personal loan to pay for it and the dealer set it up through black horse. We have recently found out that it is infact HPI. We had thought about selling it but now we can't because it is HPI... Can anyone help?
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What APR im paying on barclayloan?
I have a current barclayloan for i belive £14500, im paying £332 over 60 months. This adds up to £19920 over the 5 year period. I have 20 months of payments left on the loan. I have no original paperwork for the loan and dont know what APR i was given on the loan. Any buffs out there what can work out the APR would be…
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Advice re overpaying Northern Rock loan
I have a Northern Rock loan and overpayments are allowed but only shorten the life of the loan; they do not reduce the amount paid. I believe I'm right in thinking that if you pay a loan off early you get a refund of some of the interest if the interest was calculated in advance (which mine is as it has fixed repayments)?…
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Not sure if right..
Hi, I am not sure if this is right, but I want a very small loan, i need about $50 I need to pay for a gift for my nethue please?
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Debt paid off- does the default go too?
Hi there! I defaulted on a loan of £8k about 4yrs ago. Totally my stupidity but I have been paying off the dreaded Capquest for the past two yrs and now the acct is settled. Thing is, they say they have been paying the money to Liverpool Victoria (who the loan was with), acting as an 'agent' but the amount they asked me…
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is it easier to get loan for debt consolidation or large purchase
hi, i wonder if anyone can advise me, is it easier to be approved for a loan if it is for debt consolidation or if you are buying eg a car ?? also are you more likely to be accepted by your own mortgage or current account provider. Thanks
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help needed with self cert secured loan
hi there, any advice would be much apreciated please. Our circumstances: my partner has been self employed for ages but has recently set up his company, so we are looking for a self certified secured loan so we can finish renovating our house and add a couple of debts into it. we are capable of making the monthly…
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Check My Logic
:eek: Hi Moneysavers, I am deciding to take a loan out or take out my savings - can you help.... Option 1 - Take out Loan 1) Take out a loan for £6,500 2) Pay over 5 years 3) Repayment £133.53 * 60 payments 4) Total cost £8011 5) Toal cost = £1,511 If I take the loan and protect my savings... 1) £6,500 in an ISA Bond at…