-
Borrowing money for Kitchen
I'm looking to borrow some money to fund a badly needed new kitchen. It will probably be around a maximum of £5k. I've got a couple of defaults on my file, but I've recently obtained a fixed-rate mortgage wth Abbey (4.79%) and a BarclayCard (unfortunately the high-interest one but I'll use it to rebuild my credit). Having…
-
help wanted with loan
Has anybody managed to get the 5.7% rate from Northern rock. I applied for a loan and got a yes answer but @ 7.9%. I phoned to ask why and was told I have a very good credit score and they couldn't see why they couldn't offer me the 5.7% rate, apart from they don't just do it on your credit score ?? They said I don't match…
-
GE Money Home Lending / Experian????????
We're in the middle of attempting to track down the reason for a recent onslaught of unsolicited mailings from lenders who clearly think we're high risk targets desperate for credit. Vanquis approached us with a credit card at some astronomic interest rate, another lender came up with a massive APR 'consolidation' loan,…
-
loan changing
Can anyone tell me how many payments I should make on a loan before trying to switch it to another provider?
-
Is it better..........
... to pay a lump sum off a three year loan and then ask for a settlement figure. Or ask for a settlement figure first? Thanks
-
help is this correct??
hi all i have just called halifax with regards to cancelling the ppi on my loan, the loan was taken out in sept 2004 for £2.500. I was just told that no i cant cancel and that i would have to take out a new loan that would be the only way to do it, i explained that i was told that i was told by the man who sold me the loan…
-
Loan to pay an inheritance tax bill
I have been told by my solicitor that, as an executor, I need to raise a loan to pay the inheritance tax owed on an estate before the application for probate can be sent in. The loan of £95,000 will only be needed for 4-6 weeks before probate is granted and will be secured on the assets of the estate. My bank has offered a…
-
Unexpected loan repayment
Hi All, I have been trying to get debt free for some time. But now I just found out that my loan had been payed off by someone. I have no idea who, and noone I know would (or could) have done it. My guess is someone at the bank has made a mistake. I only noticed when my monthly payment never went out and when I gave them a…
-
Should we try to change this loan?
We have a £15,000 loan with Northern Rock at 5.6% over 10 years that has been running for a year. Payments are £162.76 a month, which we have been paying fine with no defaults. I am looking at reducing our debt now and using the snowball calculator was planning on making some overpayments. We rang Northern Rock for an up…
-
£2500 Overdraft at 17% apr
Hi, I have an overdraft of £2500 with Lloyds tsb. I need get this at 0% apr if poss. Has anyone any ideas or suggestion on how I can do this ? Thanks JK
-
Theyve been overcharging me for ages
Hope someone can give me some good advice. About 3 years ago we took out a personal loan. I phoned them last week and told them that I was looking at taking the loan elsewhere as the intrest rate was much higher than it needed to be. They have today sent us a settlement figure and it states on it that the rate we have been…
-
Credit Rating
Hello Everyone I retrieved my credit file from equifax a few months ago after I was refused credit (This surporsed me as apart from one or two late payments on my credit card over two years ago I have been fairly uptodat with everything). To my shock I fould that my brothers details were on myfile. My brother had defaulted…
-
Ppp
Hi guys I am new to this website and after reading a few threads have a quaestion to ask. A couple of months ago I took out a secured loan for about £35k. Because I was deperate for the money I found that I agreed to the ppp withou fully realising the consequences. The protection added upto £5k and I had the impression…
-
working out interest
i took out a 25k loan a yr ago, over 7yrs at 7.9% and presently have £22,500ish remaining on it. Is there a way of working out how much interest I'd save if i was to pay off £15k now as opposed to letting it run its course? The interest is worked out daily Many thanks in advance
-
Very urgent help needed.
Urgent help needed! I know this is very late in the day, it’s embarrassing, and makes me look financially disorganised, but here goes. I’m a one-man business photographer with a large studio in East London, and have been working in this field for 30 years. Due to poor business I’ve let my rent go unpaid for too long and…
-
Bank charges
Hi Folks, Recently my current account went overdrawn with no overdraft. The Halifax is going to charge me about £200 because of this which I think is very unfair so I rang the helpline and they stopped one of the charges. I then went to see the local branch and they stopped two more of the charges but I will still be…
-
Toyota incorrectly "Defaulted" me - help!
I bought a Toyota on HP in March 2003. At the time, I was working in a steady job in the city, and the monthly payments were no problem. They came out of my personal bank account. In 2005, I relocated to Scotland for work. Unfortunately for me, when the contract ended, it took my new employer six months to get me cleared…
-
Credit Searches
Hi, I'm wondering if anyone can help me with registered searches on your credit file. I have recently checked my credit report on both Experian and Equifax and have no major problems (apart from a few late payments on a loan which was settled in 2002), otherwise I have plently of good references from my credit card lenders…
-
Help with my maths please
Ive got a personal loan with A&L I have 1138 at 12.5% whicg gives me 17 more monthly payments of £68 to make. I am able to put this on my credit card at 6.9% and still pay it back over the same time. I know this will work out cheaper but can anyone please tell me how much by? I guess im asking the difference of intrest…
-
Worth taking a loan? after defaults - who will lend?
Hello all - bit of a dialemma My partner and I have accumilated the following debts £1300 arrears on council tax £550 arrears on electricity bill £500 Capital One Mastercard £400 Capital One Visa £700 Natwest Mastercard £200 Capital One Visa £500 Egg Card £55 Additions Storecard £980 Natwest Overdraft (mine) £250 Natwest…