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Another Name
I'm thoroughly confused now, I just filled in our application for a joint loan with intellingent finance and at the end it asked me to ring them as they needed more details. No problem I thought, but I've just spent 15 minutes on the phone as their underwriters are insisting I might be known by another name?? I gave them…
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APR vs Flat Rate Calculations
Hope I'm posting on the correct board with this one? My brother has been out and bought himself a brand new motorbike - a major disappointment for the family. We're keen (for various reasons) to find out exactly what he's committed to financially. I believe, although he wouldn't confirm exactly, that the list price is…
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0% Finance for cars
Just looking on the net to try & find a site to buy a car from and stumbled across this site which basically is allowing you to buy a car from most manufacturers on interest free finance with no deposit and you can spread the term for up to 5 years. If you want to put down a deposit, they will give you an additional 10% of…
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Loan Tip
If your looking for a loan and self emplloyed Northern Rock will not ask for proof of income if its below £10,000 - anything over and they need 2 years accounts. Im sure its the same if you employed - but they only check with your employer if its over £10K other lenders must have the same policies but their levels maybe…
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Help Needed! Not sure if this should be in Loans or Mortgages
I am in the process of purchasing my first house, and am getting an unsecured consolidation loan over the lifespan of the mortgage to cover off existing debts etc. Purchase price of the house is £68,500, the current deal I have (applied for circa 2 months ago) is 95% Mortgage (£65,075) at 6.49% fixed for 3 years, total…
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First Job, First Loan... Help needed!
Hi all, Right, I am after a loan for a new car at the end of this month. However, I only started this job at the beginning of this month, and this will be my first full time employment - and therefore the first regular income into my bank account with Abbey... So, what should I do. Do I apply with Abbey, or do you think I…
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Really Confused Can You Help???
:confused: Hello there, Was wondering if any of you Super intelligent money savers can give me some much needed advice please.. Thing is my boyfriend wants to buy a new car , and needs approx £8,000 to finance it, now Ive read all of Martins tips and advice to the point where im just totally confused!!! (sorry Martin)..SO…
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Turned down by my bank
I recently applied for a loan for £21k with my bank (NatWest). It is to consolidate 6 debts I have. 2 x Bank Loans (both currently with NatWest) 3 x Credit Cards 1 x overdraft (with my NW Current+ account) Discussing the details of loans, the advisor mentioned that my account 'discipline' was excellent ie I have never…
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Payment Protection Scam
HI all I thought this may help. talking to Northern Rock today with a friend about the possibility of a loan and they were very insistant on my friend taking payment protection at over £80 a month. I questioned this and the operator went into read it off the screen mode "as a repsonsible lender etc etc" I questioned again…
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(Large) Car Loan
I currently have £47,000 on car finance with Paragon paying 9.2% APR over 5 years. I am looking for a better deal if one exists - any thoughts?
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Buy/lease a car?
I have a company car but have to opt out of the scheme so will get a £400 p/m car allowance instead. (about £270 a month after tax). What are the pro's or leasing a car, if any, over buying? I don't want this to be costing me more than the £270 car allowance. Thanks for any advice.
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Car Finance
I know this subject is probably on here somewhere, but I'm not an expert at this. We are just about to buy a car and need finance for £7400. If we finance through hp it is 4.49% flat rate. A personal loan say from Lombard is 6%. But what is the best way to do this finance??? From Bewildered.
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Credit report, default issue
Perhaps someone can advise me, In july last year, asked vodafone to cancel a phone contract, which i sent via fax, I also notified my bank. That was the end of the matter for me, during which I moved house. Unbeknown to me they never recieved the faxed cancellation notice, and began sending final warnings for overdue…
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loan- paying off
hi all i know this must have been posted here about 10000 times but i need some help, i was quite stupid a year ago i got a pc from pc world. as i am a apprentice icouldn afford to buy the pc outright- so i got it on finance :confused: the bad thing is the apr is way up at about 17.5 %!!! dont ask me why i did it. since…
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Is it wise to pay off my mortgage?
Can someone please advise ...........Will my credit rating be affected if I paid off my mortgage entirely but still remain a homeowner??
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5 month backdated DLA goes into OD covered by repayments insurance!!!!!!!!
AH! My father's backdated DLA payments have gone into his indebted bank account that was covered by insurance. In January he filled in the papers for his repayments insurance on his £2500 debt. Unfortunately he asked the dwp to put his disability payments (he's terminally ill with cancer) into his halifax account which is…
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Consolidate or not??
Hi Folks, I am pondering over what to do with 2 loans whihc i have and whether its worthwhile taking out a loan to cover both now, in a few months or just stick with it the way it is. I have a loan with nationwide (6.7%) for £10,000 over 5 years (i have made 3 payments) - i took this out to pay off my credit card which had…
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self cert, unsecured loan
i am looking for a self cert unsecured loan. i have little credit history but whats there is good. I no one knows any good lenders i should try then does anyone know any that i should avoid?
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Mortgage or loan - which is best for us?
We are looking to borrow about £40,000 for our business. We have good credit, no loans or mortgages and own our house. We hope to be able to pay off the loan in full after about two years or so, or maybe even earlier - but this is not for sure. Would it be cheaper for us to take out a cheap discounted mortgage or to go for…
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need problem solving!
I am self employed and my accounts show little earnings. [about £6000] I also have two part time jobs and am part of a partnership which earns a little money. I am looking to set up another small buisiness letting property abroad and need £10000 which would cover the purchase and any building, plumbing etc. I have £2000 in…
