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Interest on loans
I have 2 specific questions With a managed loan from HSBC is the interest front loaded or does it accrue throughout? same question but for a welcome finance loan :confused:
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new found motivation
after a few bad months (not completely my fault! damn car breaking down!) i have had my lightbulb well and truely turned back on. my little sis has just gone to Goa for 2 weeks and i so desperatley want to go on holiday (but refuse to even contemplate it while i still have any debt) that i have decided to get my @rse into…
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Cheating a tad but I will be debt free!
:o No No Its not a scam but I am cheating !:j We're selling up mad as it seems but we have so much equity in the house so we are using some for a deposit and the rest for debt, I have seen a house I love we're going to put an offer in,,, fingers crossed but with my new mortgage and no debts I will be so much better off…
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My SOA - Any advice welcome
Hi folks - just joined today and already had a couple of mean replies to my questions on the mortgage thread so please be kind to me:sad: This is my SOA: Income per month 997.50 (Wages) 230.00 (child maintenance) 42.07 (child tax credit) £69.80 (child benefit) Total 1339.47 Outgoings per month 247.50 (Rent) Half of total…
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Adding Existing Debt to a New Mortgage?
Can this be done?
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annualcreditreport.co.uk- any good? cant get credit
Not sure if the is posted in the right thread but here goes.. Recently joined annualcreditreport.co.uk which gives you a free credit report and for a small fee £3.77 also gives you your credit score. Looks like i have an average credit score 805 out of 1000 and it says i should be in the market for most lenders. However…
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anyone heard of freemotoring.com??
Hey guys, was just wondering if anyone had heard of a website called freemotoring.com, they claim to pay you to have advertising on your car and such and I thought it might be a good way to earn income but not sure if its legit....does anyone have any ideas :confused:
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hi everyone
Hi everyone, I have been mulling around this site for a few weeks now and think you are all wonderful.I hope I am posting in the right place as I'm a debt free wannabee.I know you all reccommend doing a SOA but mine is very difficult...I and my husband are self-employed...running a taxi we don't have a load of seperate…
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Help! Bank has reinstated standing order after I cancelled it
Back in September I cancelled all my direct debits and standing orders, then proceeded to send my SOA and offers of payments to all my creditors Today I log in to my natwest account and find that they have restarted payments from my bank account to my loan account (also with Natwest) This has pushed me way over my…
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Unusual debt problem. Help welcome.
HI. This is a bit of an unusual problem. Basilcally my parents have recieved a bill for tank oil from november 2004 for £162. The problem is they have never had a credit account with the company because they paid on delivery. The company are saying that they have sent reminder letters every month for the last 2 years!…
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Continuous debt in a DMP
I am in a DMP with Payplan and have been since March of this year. Some creditors have stopped the interest and some haven't. Morgan Stanley and Barclaycard being the worst culprits. As it's a DMP I pay a certain amout within my budget. However, once they have lumped the interest, a charge for not paying the minimum amount…
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Self Employed - IVA?
Hi, I was hoping someone could help... I am seriously considering an IVA. I have been in debt for years and always took the view that I spent it so i must pay it back but I am now self employed. Work is building slowly but it is not as reliable as I would like therefore I cannot commit to transfer a set amount of money…
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I have to ignore it...I don't know what else I can do.
I've had an enormous overdraft with Lloyds bank ever since university. When I was there I didn't have to pay any interest on the overdraft and everytime I reached my limit Lloyds TSB just kept offering to put up my limit. I had rent to pay, food to buy and bills to pay so I had no choice. So I borrowed..hoping that I could…
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Equifax
:confused: hi all have finally managed to register with equifax had to call the call centre and ask all sort of wierd questions that i wasnt even sure of the answers some how i passed ? lol so i can log on and wanted to try the 30 day free trial but i cant as my solo debit card wont authorise (prob cos i got no money…
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IVA Should I do this or not
At present my husband and I owe in the region of £115,000 this is on personal loans, credit cards personal garantee for a business that has ceased trading. I am with the CCCS paying around £660 (93,000 debt) but the bank is after the business debt as well taking it to the £115,000. I have spoken to the CCCS and they could…
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Please Help! Advise please?! TV License
Hiya, This may be in the wrong place, but I wasn't sure where to put it! I brought my house in Jan this year off my parents, I brought a TV license at the same time. Since August I have received letters from the TV Licensing people that my licence has expired. Each time I have rang them, after about half an hour they…
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Soa
Hi all, Registered a few days ago and did a brief SOA, had more time to think about it now. Hope you don't mind me posting again, but this is my "full, unabridged" version ;) Take home pay: £830.09 Outgoings: Rent/mortgage (mortgage is in my partners name, I couldn't get on it, but still contribute) £200 Gas/Electric: £60…
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aaagghhh nasty phone call from littlewoods!!!
Hiya, iv just had a phone call from littlewoods to offer me either pay my balance of £337.54 now/ refinance with loan of 29.9% interest and £60 set up fee or go to debt recovery. I said i wasnt paying £60 fee and cant pay now so chose option 3!!! The thing is i have had £70 worth of administration charges since august. £30…
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IVA's are Being Mis-sold and Misrepresented
Those tv ads for an IVA are driving me mad! An IVA is really no different to bankruptcy. Your details are still logged with the official insolvency site for the full five years you are in the IVA. You are subject to the same credit restrictions as in bankruptcy. You pay a substantial fee for the IVA, some £8000. No, the…
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OH IVA advise plse
Hope this is the right section. I'm in need of a little advice please. A little back history first. My partner has never been good with money & has always tried to live beyond her means, a good number of years ago I found that she'd been hiding debt from me, I'd help paying it off & then find more:( had gone on for many…
