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Loans

Archives for December 2004

debtor gone abroad
i did some work for a family who have now up stickcs and emigrated to New Zealand, unfortunately they owe me £6000. Is there any way of getting it back?
advice please
hi my name is gordon and im new to the forum. i have been in debt for nearly 2 years now and our debts are a whopping £42,730.14 well thats whats left to pay, we pay £224 a month to payplan and they pay our creditors for us wich is a god send because they have been brilliant!! but it has got to the stage now where we dont…
Extending a mortgage to cover a loan amount
Hi Folks, The simple thing to do would be to phone Abbey and ask them about this, but I thought I'd run it past you very knowledgeable folks first of all. In August, my fiancee and I bought a house with an #86k mortgage. We're trying to save to get married however the saving is a bit of a nightmare with credit card and…
IVAs -- Are they ar good thing?
I have been reading about IVAs and I have to admit I am quite tempted. Are they really a workable option or should they be avoided at all costs?
Transferring Student Loan to Credit Card
I'm looking to transfer my student loan onto a 0% interest credit card, however they won't do it as a balance transfer. Would it count as a "purchase" or will they class it as something else and sting me for loads of interest?? You thoughts and advice please!!!
Grrrrr, Payment Protection
Hi I'm trying to claw my way out of credit card debt and was approved for a loan with one of my CC companies. However, I was incredibly annoyed with the 'loan expert' when he kept trying to push Payment Protection on me and did his best to make me feel guilty for not taking it. Are there any advantages to having PP? Please…
Paying off IVA
???I would appreciate your help with my dilemma. Five years ago my husband and I entered into a Voluntary Arrangement to clear our debts, which had escalated to £67,395 over the years, because we had been making just the minimum payments on credit cards and loans. The Voluntary Arrangement went through OK and at the final…
HSBC: 0% Overdraft For 9 Months.
Offer Details Here
What are my options with arrears? HELP
Hi Last month I had a letter from my mortgage company saying the last two months payments had not gone through, the money was there at the time but the lenders direct debit facility was not activated?I know I should check my balance but I didn't and did not have the money to give them two months worth of mortgage payments,…
Can't get Switch but can get Credit Card
I have had debt problems over the past 12 - 18 months and had to switch to a Basic bank account (with HSBC). Despite running this account very well (not even being close to overdrawn / no returned payment etc etc) my credit 'worthyness' is still too low for me to move up to a current account. Problem is - I could really…
Making early settlement of loan ...
Hi, Next month i'm hoping to pay off a loan early. Payments are taken on the 1st of the month, and it was to finish at the end of July. Am looking at the balance to being just over £1000 outstanding after Jan 1st's payment is made. However I'm just read the T&C in Lombards paperwork, and it appears i'll be penalised (rule…
Barclays loan default
This is a long story and does not involve myself as I am debt free - it involves someone I know. This person decided to change job back at the start of November, moving about 17 miles away. They handed in their notice, and a week later were due to start in their new job. The new job then tells her that the vacancy she is…
Cheapest Unsecured Loan
Hi Everyone.... this is my first question on this great site. Have been reading the forums for the past few days to give myself a litte more education/knowledge - and I now have a question I'd really like people's help with. I want to take out an unsecured loan of about £25K... what are the best deals around? And I ideally…
Post Office Loans
Has anyone tried to get a Post Office Loan recently. The advertising states "Why Wait"....apply now get your money tomorrow I've been in the application loop now for nearly a month and still haven't got any funds !!
AA Loans at 5.8%, terms from 12 months available!
http://www.theaa.com/finance/finance_home.jsp seems very cheap!
help please
I am being chased by a company claiming to have "purchased" a bad debt of mine for which they are requesting payment The debt refers to a loan that I had from M&S a few years ago which I finally paid via a one-off "full and final settlement" about 4 years ago. At that time I was clearing my bad debts after years of…
Bankrupcty Options/Punished by system!
Apologies if this is on the wrong board, or if I stray off topic, did a search for the subject(bankruptcy) but didnt see anything. The problem I have is that I face a 65% cut in income because of company sick policy, which obviously isnt designed for anyone with a genuine medical condition such as me. I have m.e/cfs..only…
best way to finance a car purchase
looks like I might need a new car :( so whats the best way to finance a car purchase? Bank Loan? Personal Lease? Not sure if this is the right group or not... Any ideas welcome TIA HB
A&L-Changing APR
Yesterday I applied on-line through Moneysupermarket for a £5000 A&L loan over 2 years. Today they rang me up and asked lots of non relevent questions and a few relevent ones and really tried to sell me payment protection. They offered me the loan at 8.95% APR. I said I would not take the loan at this rate as it had been…
Just cleared 2 x credit cards - whoooo!!!
Today I made my final two payments to my two credit cards (cleared the third one last month), hoooraaaaaaahhhhh!!! Now I have a loan of £10K to pay off, still a lot, but least all of my eggs are in one basket (or should that be debts in one basket) ;D & i am hoping to pay it off in 12 monthly payments. Eeeeekkkkk!!!! I am…

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