-
HSBC loan
Hi all as some of you may be aware I am in a mess with money, but I am doing my best to sort it. Anyway last week I asked about cancelling the £49 I pay a month just for the protection of the loan, they just said no, and stupidly I accepted and off I went. However after reading my agreement when getting the loan I can see…
-
Lend money not coming back..!
(sorry if this may not be the right place. Had a look and this seemed most appropriate thread to post) two years ago, I let a friend stay with me, as he had problems finding a place. Eventually he decided to take the tennancy agreement in his name. While he wa waiting for the Housing benefit office to assess his rental…
-
cards or loan?
I need some advise i have one large loan and 3 credit cards that all are being paid monthly and this year i want to try and clean them all and have nothing to pay, well thats what i hope. They are cahoot loan,barclay cards and egg card. I will be getting a little bit of money in the coming weeks not as much to pay off the…
-
move my money?
All currently I have a Northern Rock loan for £7000. I have paid 3 payments now, the payment each month is £240. However as most of you will be aware you can contribute more money each month if you wish. In doing so I am assuming that this reduces the length of the loan and not paying so much interest as calculated based…
-
secured loan even though i have little equity?
bought my flat for 50K, with a 46K mortgage and 13K secured loan (went travelling, paid off debts etc). the flat is now worth about 70K and i have about 44K mortgage and 12K secured loan. now you see my issue, that's not very much equity! roughly 70k -56k = 14K equity if you follow. will i be able to get a secured loan?…
-
Cheaper Loan or credit card
I have a £19,000 over 4 years with Co-Operative, 5.91%. Is there are cheaper loan or should I switch to a 0% credit card and transfer accordingly. If I do switch, what is the best credit card, I am prepared to be a card tart.
-
I need a cheaper loan, any idea's
Hi, I currently have a cahoot loan of £6688 at 12% interest. I just checked it there and I paid £75 interest last month. Can anyone advise of a cheaper loan, I can afford to pay £300 a month. Thanks,
-
Should I stick with Cahoot Loan?
This loan acts like a line of credit. The account has an available amount in it (£9000 in my case) which you can "withdraw" and put into your current account to use in anyway you like. the best bit is yu can make as many payments back into it as you want and even pay it off fully. The account just sits there saying you…
-
Whats best way to get £5000 that can be repayed in 1 month
I need to raise £5000 so that I can buy a car for £10000 I have a car at moment so can sell this for £5000 but I want to buy this other car first from a private seller so I need £5000 cash for say one month. Any ideas how I can get this as I dont want to take out a loan for such a short period really and a private seller…
-
Advice for my 24yr old son please
my son owes Lloyds bank 1,700 he took out the loan last year when he had a job . He managed to keep up the payments until this month, he is now at college, living in a dingy bedsit, on Housing benefit and has barely enough money to manage. There is no way he can pay Lloyds 69.00 per month, they have refused to lower the…
-
Please Help - Advice needed on unsecured loan
I really need your help. I need an unsecured personal Loan for £22000 to consolidate my debts and try to get on to of my spiraling debt situation. My credit rating isnt great and I can only afford to pay back £400 a month on the loan. Can anyone suggest a company who will give me a loan for this amount with an apr which is…
-
New Cheapest Loan
On Friday Barclaycard will be launching the cheapest loan on the market at 5.7%. (i will be updating loan article soon)
-
HSBC Loan
a hsbc loan of £10750 have made 14 payments since november 2003 repayment each month = £269.96 + credit payment protection = £49.98 which = £319.94 however I must admit I am struggling to keep my head above water and am looking at ways to reduce my outgoings each month. I am considering cancelling the payment protection of…
-
Getting pushed into taking credit
Not sure if this is the best place for this, but I couldn't see anywhere better... I was just wondering what the rules were for when a company is trying to get you to sign up for credit. We had Kitchens Direct round last night about a new kitchen. They gave us a quote (£12,500) and then said we could have 10 per cent off…
-
Cahoot Flexible Loan
I am confused. I have a Cahoot current account (always in credit), Cahoot Credit card (paid off every month. cahoot Savings Account. Various other credit cards that are never paid late, and only one other credit agreement for a sofa which is small and almost paid off I own my own house with mortgage of 45% of the value of…
-
Citroen car loan-am I being conned?
Offered a loan at 5.25% at Citroen on new car. Salesman said, after I said i could pay cash:"keep the money in the bank and let the interest grow on your savings at 5% (ING) and use that money to pay off loan". His example was based on the capital accruing compound interest over the 4 years of the loan. When I got home I…
-
Car Loan 0% Interest Free
Hi I'm thinking about getting a new or a fairly new car just wandered what companies are offering a 0% finance deal? I've heard that Mazda are doing a 0% deal but I can't find any info on there site, i'm fairly interested in the new mazda 6. Also within the next year I should be getting a lump sum do you know whether its…
-
Unable to get a Loan
Hi, I am trying to get an unsecured loan with a low APR but I am unable to get it because I have a default in my credit file. I have negociated with my creditor that they will remove my default from my file if I pay the amount in full.The only problem is that the loan companies that are willing to lend me money are quoting…
-
Getting Pensioners Out Of Debt
My partners parents owe £2,500 on a credit card and are obviously paying exhorbitant interest on this. Unfortunately, from what I can make out, because they are both over 65 (69 and 72) and have very little credit history they cannot get a credit card to balance transfer and will have difficulty getting a loan for less…
-
Medical Loan
Hi all, My mother needs to borrow 10k for a private (Bupa) operation and is thinking of re-mortgaging. I'm sure I've read somewhere that you can get low % loans for operations etc. Bupa have offered her finance but have not quoted as of yet. Can anybody let me know what her best options would be say over 5yrs or something…