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Pay-off on business bank loan
Hello - We lost our business some three years ago and still owe the bank a lot of money. I have heard that banks sometimes accept a "pay-off" amount considerably less that the loan. Does anyone know the procedure for this. Thank you. JMH400
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Problem Getting Loan / Other persons mail
I purchased my home 3 years ago, and remortgaged once without no problems. Recently i have tried to get both a unsecured and secured loan, without any sucess, for home inprovements ect........ I have no mortgage arrears, No CCJ's, but until now, no problems with getting credit. BUT - recently i opened post delivered to my…
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Lloyds accused of bad lending
apaprantly lloyds have today been accued of lending money without followign proper affordability criteria. havent seen anything myself but programme on at 7.30 tonight bbc1 if anyone interested
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Unsecured loan for person with poor credit
Hi, Last summer, I was made redundant from my job. Before this, my credit was quite good, and my business was doing well. However, since the redundancy, my debts have spiralled out of control, and my credit rating is now poor. Then, three months ago, I was able to secure full-time employment with a very good salary. This…
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$5000 loan, possible?
I'm a 19 year old, full time student with a part-time job, from California(USA). I've been applying to every lender imaginable and have been denied by each and every one of them. I am in serious debt, and I am looking for a personal loan of $5000 at-least, and I would be able to pay it off with interest within 14 months,…
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Loan agreement form for download please.
Hi - I am lending a considerable amount to a friend for a maximum of 5 years and interest-free and was wondering if anyone has a free template or a downloadable form from a website they could recommend. Have tried via Google but all appear to require payment. Thanks very much.
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Wentworth Direct Finance (Broker's)
A friend of mine is currently trying to get a loan of £4000. He has applied to a couple of lenders for this however due to his business going bankrupt (he was discharged in Nov 2000) he has been rejected due to his credit history. Today he received a letter from a company called Wentworth Direct Finance, who claim to be…
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Barclays Loan Protection
Allow me to vent my anger whilst asking for some advice on how to deal with the total lack of customer service that is Barclays'. Late last year my husband got a loan with Barclays, with Loan Protection. We've been banking with Barclays since 1999, they know us, we know them and we know they get it very wrong sometimes,…
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Balloon car payment
We have had a balloon car payment for 12 months and we were wondering is there any way of either renogotiating the deal (eg adding more miles per year on the deal) or whether you could buy the car before the 3 years payment option is completed. thanks Mick
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getting a loan on top of a mortgage
im looking to remortgage my house but the most i will be able to borrow is around £110 000. I need about 25k-30k more on top and was wondering if its possible to take out a loan on top of the mortgage and if so, what companies and types of loans should i be looking at. thanks
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Northern Rock
A less financial aware friend has asked me to check over some loan application paperwork for a loan from Northern Rock. She is looking to borrow £8000 over 10 years. She was forced to take the PPI as Northern Rock refused to send out the loan agreement without the PPI. I've got the unsigned agreements here. The loan…
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Removing loan protector
Hello, I have a loan which was originally for £5050 at 8% APR. I think the term is around 48 months but I don't have the details to hand. The amount includes loan protector which cost roughly £1050 (:mad:) I am currently repaying it at a rate of £103 a month of which £88 goes towards repaying interest (rule of 78 loan). At…
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the cheapest loan??
hi can any1 let me know what low rate loans are there available, i apparently have a great credit score with lloyds and just closed one loan with them taken out a while ago but it was with 13% interest and now lookin at about max 6%, need about 10000, so please can any1 let me know, does anybody know about the AA 5.9%…
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Paying off car finance with personal loan
I took out car finance last in June 2004 for 5 years with Black Horse. If I pay the car finance off with a new personal loan (which i can get at a lower interest rate) will this effect anything to do with my car? Just trying to save myself some money! Thanks for any advice
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Need help with credit report
In the past I opened two student overdrafts and used one for an ISA. I didn't realise that I had to make regular repayments into this account (call me stupid but I just assumed it would be better to pay off in one lump sum) This seems to have messed upmy credit rating. I have an excellent payment record on my other…
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Overdraft
At the moment split over two current accounts I am about £2750 overdrawn I would like to remove my overdraft and pay for it some other way. I am considering a loan of £3000 to pay of over 2 years. Is there a better way to manage this debt other than a loan. Can I transfer the overdrafts into an Credit Card perhaps. When it…
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Home credit loans!
Does anyone know of any companies that do home credit loans? I am looking to borrow around £400 to repay over a year but I have adverse credit on my credit files. I don't particularly want to use Provident or Greenwoods as they have a poor PR image and an even poorer interest rate. Many thanks in anticipation. Martin
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Car Finance
Need to buy a new car and seemed to have narrowed it down to either a Honda Civic or Honda Jazz. The salesman suggested for following: Take out the finance over 5 years instead of 3, therfore reducing the monthly payments to something more manageable. Then if you want to change the car after 2 or 3 years, the dealer would…
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Lloyds TSB Credit Search
Does anyone know what Credit Reference Agency LLoyds TSB use when doing a credit search. I have been with Lloyds for about 20 years and whenever I apply for a loan it does not seem to show up anywhere to say they have carried out a search. However perhaps they are like Cahoot and go by your credit score obtained from the…
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Egg loan PPI
Please could someone advise on an egg loan of only £1700 that my girlfriend has. she has it over 2 years but i notice she has been payin PPI for the 3 months that she has had the loan for. is it really worth it? can she have this taken off?
