-
Inherited debt
My Mum died this month and I have inherited her debt. I lived with my family in my own home and Mum moved in with us 5 years ago. Alhtough I pay all the bills including the mortgage and endowment policies Mum asked if we would put he rname on the deeds. We said - of course. Mum had an addictive problem many years ago which…
-
Moneysupermarket Dodgy?
I noticed that Moneysupermarket have added a new feature to their site today - defaulting to only showing personal loans with PPI. Is this incredibly immoral given they are in the paper all the time saying how bad PPI is, yet then they default it to PPI on their site. Martin - are you still on TV or radio? Surely this…
-
need all the advice I can get!
Hi all, Your advice would be appreciated, first let me explain the situation, my wife has been dealing with the money side of things all our married life (22 years) and she has now got us into quite a major amount of debt, £38000, she doesn’t go out spending or anything, but is just not very good at managing the money, I…
-
large, low-interest loan wanted!
I took out a 24k Northern Roack loan earlier this year to pay off all my existing loans and credit cards. they offered me 10.8% so b4 signing the forms I applied for a loan with egg, but they turned me down, saying it was because i was still on probation in my new job. So I took the loan. I would really like to find a loan…
-
Advantage Loans
Has anybody ever had to deal with advantage loans?
-
Understanding my Equifax Credit Report
I recently "purchased" my credit report/rating from Equifax which is quite interesting, more than I thought it would be. I can't find anything on their website, or the rest of the web for that matter, to understanding the meaning of the different characters in the Monthly Profile. There are the following ones showing for…
-
spectrum finance
has anybody heard of spectrum finance are they any good?
-
anyone done iva with shaws
About to do IVA with shaws would like to hear of any experiances people have had dealing with this IP. It's so nerve recking going into the unknown. This site has been so helpful to me. cheers flossy
-
Can I cancel direct debit?
I recently purchased a laptop from Dixons, and in order to receive a discount signed up for 12 months interest free credit with HFC Bank. Yesterday (18th December) I sent off full payment by first class recorded delivery. The first DD payment is due to be taken on the 27th December. Can I now cancel the direct debits or…
-
Defaulted my IVA
Hi, just a-wondering if you guys could offer me any advice. I went into an IVA with Debt Free Direct just over a year ago - I owed £17000 to various people. Now, after 6 years I have split up with my partner, he wasn't named in the IVA but his income was taken into account. I contacted DFD explaining the situation as…
-
Botched loan transfer to CC. Owe ££x2 now
First off sorry if this is in the wrong forum. Ok thinking to save some money on a Abbey car Loan (£8k) and pay it off early I got a 0% Virgin Credit card hoping to transfer the loan over. It appears the transfer has been botched and I now owe both companies £8k and both claim it isn’t their fault • Transferred my £8k loan…
-
For those with a 0% Cahoot Flexible Loan (merged)
I have had the Cahoot loan since early November. My understanding of the T&C was that I needed to pay a minimum payment of 1.75% of the loan each month, just like a credit card. However I have not been asked for any money and online the date it is to be paid is blank. Is anyone else being charged or is there no minimum…
-
cashing cheques
i recently started work again and i am being paid by cheque.i have been to a couple of banks but i am unable to open a bank account due to a bad financial history.i am therefore having to cash my pay-cheque at a money lenders and i am losing 5% of my wages.can anybody suggest any bank which would let me open a bank…
-
Cahoot 0% -- The plot thickens
Like many of you, I too got my Cahoot Loan. When I first logged on, I noticed that the interest rate wasn't listed as 0%, so I emailed Cahoot asking them to confirm my rate. I got an email back: "I can confirm that the interest rate is 0% until March 2005." Phew Thinks I. I log in today and find that I have been charged…
-
HELP! DEBT OUT OF CONTROL
Without going into too much detail, my husband and I have so much debt we can't keep up with, even though he earns a very good salary, our debt is around 90,000 and out of control. We are now at a point where we can't get the 0% credit cards, and are paying so much interest and no-body is keen to help! (Why should they, it…
-
Money taken out wrongly
Hi people I am a long time watcher 1st time user. After reading this site and getting the book, it gave me the knowledge and guts to sort out a problem that happened yesterday. My wife is currently off sick getting treatment for cancer and i an off sick to care for her. She has protection for a loan and we applied to use…
-
Picture secured loan
Anyone had any dealings with https://www.pictureit.co.uk/ ? I am looking to consolidat my debts and this looks like my best option. I am in the situation where my wife has given up work to look after the kids and we need to cut back on our outgoings. Unfortunately due to the reduction in household income remortgage and…
-
REPAYING LOANS EARLY
Well Martin thought you would have mentioned this little trick, I have a loan with LLoyds Bank for 8,200. However they can charge you up to 60 days interest if you want to pay it off early. If you would send them a cheque for say 8,100 and then ask for a settlement quote they then only charge you interest on the 100…
-
business CCJ and personal credit rating
My wife has just been turned down for a loan (she has never been turned down for anything before). Could it be due to a ccj my Ltd company aquired a while back (company at my home address) which is still unsettled). I also missed one months payment on another mortgage I have on another property (about 8 months)and haven't…
-
Can you cut the cost of existing loans?
This area is to ask questions about or discuss the Cut the cost of existing loans? article. To ask a question or discuss this, click reply