-
Has anyone heard of this company?
I am being offered credit for a car by a company ive never heard of and i would like to know if any others have been approached or even better have you had a car off them? The company is called Concept Car Finance with offices in Manchester and Birmingham and they seem to work in a very Yes Car Credit type way. Would…
-
Best Way to Finance a New Car
Hi I am looking for the best approach to finance a new car. I will need to borrow £11,000 Do I 1.) Take out a loan with Northern Rock who are the cheapest I have found at 5.6% APR (however from reading on this board several people have had bad experiences with Northern Rock. For example how do you know the exact APR you…
-
Who will lend?????
Hi my son has recently set up a business with a partner, things arent going too well between them and my son wants to buy back his half. Where will he get a loan for around 10,000. Bearing in mind the business has only been up and running for a month or so, I assume most places want to know annual income and so on, which…
-
advice about PPI please
Hi this is my first posting so please be patient with me :) right well what my question is, my husband wants to take out an unsecured loan to consolidate our credit cards (got fed up with being a credit card tart) and we have been approved a loan with Moneyback Bank, but they want to sell us life cover and critical…
-
Another way of insuing loan payments.... Valid?
So, I need a loan for a car. Northern Rock are best rate at 5.7% and I get approved. But on a repayment of around 160 quid they were talking about charging 20+ quid/month for payment protection insurance! I think not... After avoiding the hard sell from the NR phone guy who couldn't understand why I don't want their PPI,…
-
Loan Insurance
I've been looking about for PPI / Loan assurance and came across this website... https://www.paymentcare.co.uk Does anyone know if it's any good or has anyone out there used them? :confused: Cheers Fudge
-
Mature student CC or loan query
Hi, really sorry if this a repeat query. I am about to start a 3 to 4 year degree course and don,t know whether to use the credit card shuffle or a 5.6% loan. current debt is £8000 on 3 cards; HSBC, Egg and Virgin. I have been accepted for £8K loan by NRock but not yet said yes to them as I can't work out whether I should…
-
Urgent:Can I get an increase on my morgage for a loan ?
I took out a morgage 18 months ago with Nationwide for £150K. I now need 6K to replace the kitchen and bathroom. I was planning on doing this on 0% credit cards, but it now seems that any new credit cards I apply for are limited because of the amount of 'potential' credit I have. I don't think just stopping the old cards…
-
Nationwide Personal Loan
Thinking about getting a Nationwide loan to get a car. I know I could beat there rate of 6.7% APR, but I have heard bad reports about Northern Rock (who seem to be cheapest) who dont always offer the 5.7% rate unless you have a fantastic credit rating and take out the payment insurance (which I dont want to) Also heard…
-
Best Loan opinions and advice
Hello all im wondering if some of you finacial guru's could shed some light on me and guide me on the right path on which loan to get with my following situation. ill explain my financial situation below so you can make give me the best advice possible my credit : barclaycard limit = £500 debt = 0 capital one card Limit =…
-
Loan Advice
I currently have a secured loan on my property with £39k outstanding - now I need a further £10k to clear my wife and I's credit cards and a couple of unrelated amounts. We have thought it through and can afford the repayments and want to start afresh having learned our lesson when it comes to plastic. We have recently…
-
Loan advice please
I wish to borrow £7,000 but I have an existing loan of £4,000 and I want to know if there is a way of almagamating both these figures without greatly increasing my outgoing payments. I thought maybe I could borrow on my mortgage but reading info on this site it doesn't seem a good idea. Another thought was borrowing on the…
-
U Switch (loan) HELP!!!!!!!
hi i have just had a quote for a loan of £6000 over 36 months and it came up for Cahoot at 181.59...which i didnt think was bad however when i came to apply it only asked for name and email and said it would get back to me tomorrow...is this normal practice? has the application gone through etc... thanks :confused:
-
Which Electoral Role address to regain credit rating
Hi all, just a quick question that someone might know the answer for? I moved out of the UK for 3 years and got back last year. I recently applied to transfer a £4k balance to a Halifax 0% CC, but I got turned down for the first time ever? Bcard has just upped my credit limit to over £9k so I don't think its a credit risk…
-
Hire Purchase - Can I you just stop paying and give the car back?
Hi I have a sister who has an HP agreement with Vauxhall, she's in year 1 of a 5 year agreement, and is struggling with the repayments. Can she just give the car back to the finance company and the commitment stops?? She made a very un-wise buy with this, consolidating a previous HP agreement (5K) into a new HP agreement…
-
Cahoot or Northern Rock
Hi All, Im after some advice - over the past few years i've racked up a load of debt by living above my means on credit cards, nice cars etc... I've currently got 2 loans - 1 with Nationwide (£10K) and 1 with Natwest (£6K), plus my credit card stands at about £5K. Im currently paying back £410 a month on loan repayments…
-
Credit Union home improvement loan 1.3% (pa)
Hi I'm not sure if this has been posted before as i'm not normally on this thread, I have just signed up for a Credit Union loan which only charges 1.3% (pa). This is only for home improvements and you can only borrow upto 2500.00 (5000.00 if you are a couple). You must live in the area of the Credit Union and be a home…
