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hire purchase agreements
i got a car from a robbing finace company didnt realise it at the time payed the installments for 26 months out of a 48 month agreement have been told by a friend that i can return the goods ie(the car) as i have payed over half of what was asked of me and stop payment trouble is i do remember seeing this on the agreement…
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Moneytalkonline
Just had a phonecall from a friend in Belfast. She has signed up for this debt consolidation service (despite me giving her the freephone nos I found on here for CAB, etc) :-/ The website address is http://www.moneytalkonline.co.uk/ and I have trawled through it for more details, but no luck. They don't say if they are…
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my credit report
I have always had problems with getting credit, so I decided recently to have a look at my credit report! There is nothing showing on there bad against my name, but there is against 2 of my brothers on it!! I now live at a different address, and would like to clear all information not regarding me off of it!! Is this…
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council tax and prison??
hi , of interest how long can you go to prison for debts with council tax, is it that severe? when does it get to that stage? thanks
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Best way to fund new car purchase?
To cut a long story short, I've recently started a new job and plan on buying a new car in the coming month or two. I’ve no other debt and very little expenditure, and having never previously had a loan of any kind (not even a student loan during Uni) I'm a bit new to all this. What im wondering is what is the best way to…
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meet thousands of new buyers and suppliers for your products daily at ** Referral links on the appropriate referral board only please - Edited by Mod2 **
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Re: Advice on Debt Needed
This is going to be tough ... :'( I'm going to post a "no-nonsense" response as you seem to be in the "soft & smelly". Sorry, but that's how it seems. You simply can't afford that car and should look at selling it & paying back the loan. Read the terms of the finance deal, as you sometimes need to involve the lender if you…
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debts debts debts!!
hi, I have just moved in to my new place and I've started to realise that paying the bills are difficult, especially when i have loads of debt as well as my girlfriend having loads of debt too. I'm only 22 and i have realised that I have overspent in my earlier years! I was thinking of taking out a loan to cover the lot,…
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£24,000 in debt at 22!
I almost feel embarressed writing this e-mail and often wonder how I actually managed to get into this much debt! Basically it all boiled down to being a prat when I was 18/19, I had an expensive car on finance £16,000 got banned from driving about a year after I got the car. When I got my license back I was paying £4000 a…
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Drop in salary, and i was doing so well!
Hi Guys, I'm gutted. I was doing so well with reducing my debt. It was around 8.5k on c/c's at the beginning of the year and is now down to 6.5k. I was hoping to keep on paying 500 per month and have it cleared by the end of next year. A big problem has now come my way. I have been getting a promotion in the summer months…
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credit rating
tried to get a mortgage about 6 months ago with birmingham midshires and was turned down. on enquiring was told that i was an undischarged bankrupt. i was advised to send for my credit rating from experian which had no untoward "bad references" on it i also wrote to the land registry where they keep all records of bankrupt…
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Amazing Debt Offer
I graduated as a mature student last summer with my degree. As one would expect, I had run up some debts including a reasonably sized credit card bill. The debt had been passed to a collection agency who wrote me an amazing letter the other day. Pay one quarter of the bill in one hit, and we'll forget the rest! The letter…
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Cooling off period?
My friend D is paying off debts through an agency, I've been trying to persuade him to go to CAB or CCCS. I thought I was finally getting through to him then he goes and arranges a meeting with a financial advisor who says D is probably blacklisted but he will probably be able to get him a loan. The trouble is D's…
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Loan Agreement or Promissory Note?
About to lend some interest free money to daughter to help with house purchase. Obviously we need something in writing, so I told her one of the conditions was, she could draft the agreement ;D She has come up with a Promissory Note, which seems to say all we want/need it to, but I wondered what technical…
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Deep in Debt
Hello. I would be grateful if someone could give me some advice please. I am 22,500 in debt. I owe 14,000 to Bank of Scotland & pay 242.00 monthly I owe 6,000 to other loan company repaying 108.00 monthly. (both loans unsecured/no payment protection. My credit card is owed 2.500 and I am trying to pay it off, but keep…
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Unsecure debts.
I read somewhere in this site that the courts do not have the power place a charge on your house to cover an unsecured credit card debt. What about vehicle leasing? I was in a business partnership with a friend running a haulage company, stupid I know butwhat can I say. Anyway, we had two 40 ton trailers on lease purchase…
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Payment Protection
Hi all, This may sound like a radio show call-in, but am a long term reader of the message boards, but a first time poster on them...... (Thats that out the way!!) I am now starting to look at getting my debts under some serious control, I have 2 credit cards, 1 x £4000 with HFC (Formerly Beneficial) 18.9% 1 x £4000 approx…
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six year rule ? (merged)
hi all,ive just recieved a letter demanding an outstanding balance of some £3000.i accept that the debt is mine and outstanding,however over 7 years we got into financial trouble and contacted our creditors and got a few ccj.this company ( lombard) never replied to any letters,so we left it.according to my credit file:the…
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Advice on Loan Insurance
Hi, Need a bit of advice on loan insurance. I have just been accepted for a £25,000 loan with Northern Rock at 6.9% over 10 years, which will clear all my current debts!! I decided to opt out of their PPI as it worked out to around £130 per month !!!! Rip-off!! My question is should I take loan protection insurance from a…
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£5000 cash needed - best option?
Doing some major house improvements just now and as always the folding stuff has run out. I reckon I need £5000 more - cash - to finish the job. Spoke to my bank today and they are happy to give me further advance on my mortgage. I am on a 2 year fixed mortgage at 3.9% until june 2005 - so well pleased with that. They are…
