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Flexible loan vs No redemption penalty
I want a loan for £5500. I will be able to pay this off over 2 years, but I should be able to do better than this, possibly in 10 months. I can get a bog standard loan with no redemption policy cheaper than a flexible loan, but do no redemption policys (eg Northern Rock) allow overpayments? Does this make sense? Am I…
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How do i do this?
Hai! I am grateful for your advice. I have got a personal loan of 6000(for 24 months) with 3 months deferred payment, so my 1st payment starts in February. The letter said, if i repay before my 1st installment, i dont have to pay any interest or charges. I opened A&L bank account, which let me apply for 9months 0% balance…
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Desperate - Help!!
I have a similar problem to chic (and many others it seems) in that I don't know why I have been turned down for a loan by 2 companies Northern Rock & Abbey National. I also have a experian credit report and can get no answer from either company except to say they don't understand either, other than I don't meet their…
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need additional money to complete-any advice?
Hello all, we are currently in the situation where we have been offered the house we are currently renting for substantially lower than its current market value (80k). We have the mortgage arranged and we are due to complete any day soon BUT we were banking on the repayment of a substantial family loan to give us the money…
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Settle Natwest Loan Early!
Hi guys I just wanted to know if someone can help me out. I took out a Natwest Loan with Natwest in March 2003 for £15K. I was told in the usual not so many words that I need payment protection or else. Having just joined Natwest at that time I got a really bad interest rate which see's me paying about £380 a month towards…
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Northern Rock Rip Off
I am absolutely livid. I recently got a Northern Rock Loan to consolidate my credit card loans and they charged me £45 for "express transfer" which I did not need or ask for. I kept a look out for this charge as Martin did warn about it on the loans page, however, I saw nothing on the web. I recently rechecked my stuff…
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Overpayments on Nationwide loan
Does anyone know whether you can do this. I will be in a position soon where I will have some extra cash to throw at my debts. I have a credit card debt but this is at 0% so it would make more sense to throw the extra cash at the loan which obviously has interest. Is this possible? Thanks
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changing payment dates
Please could someone advise on following situation If a payment was due out in 3 days time and i wanted to change the payment date for the following month, would i be able to phone up and arrange today or would i have to wait for payment to come out first? Many thanks
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Payment protection on a loan
Hi, A year ago my other half took out a loan for 5k. Having found this site i have gone on an audit of both our finances and discovered she is paying a fair bit on top of the loan for payment protection which is something she just doesnt need IMO (certainly not for the amount she is paying). When i asked her why she had it…
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Can I move my loan onto my mortgage?
Hi all - before I discovered this site, I took out a secured loan for £20,000 over 240 months. This was 3 months ago. I don't have a fantastic credit rating (a paid off CCJ which drops off my record in 2 years and a very old default showing as satisfied, but since then a blemish free record). I left a partner two years ago…
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Loans for a car - is there a better way?
I could do with a new car. i'm 6' 2'' and drive a 14 year nissan micra, its only got 60k on the clock but its the 'niggles' which are starting to get to me. Plus, there's not a lot of room! Anyway, I'm not a great lover of loans or borrowing money full stop. I hate the idea of paying back the cost of car for 3 years+…
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Grad Loan repayment
Hi If i take out a graduate loan can i increase payments over time.. or maybe pay off larger chunks when i have spare cash lying around? or do banks not allow this (my grad account is with natwest). Thanks
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Odd letter about a loan at this address.
I know I shouldn't have opened it but I did. A letter came through the door this morning addressed to my husband's old housemate. They lost touch about 6 years ago. I was seperating the paper to put in the recycling along with the rest of the junk mail and didn't think anything of it. Anyway, the letter caught my eye.…
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I need an unsecured loan can anyone advise
ok im looking into getting an unsecured loan for £5000.Im not to sure how my credit is,i have applied before a few years ago and was declined.can anyone advise the best place to go to apply?iv been searching online but havent seen much that looks promising
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Loan to buy property abroad...?
Sorry if this is a daft question, but I've never had a personal loan before... My wife comes from South America, and a friend of hers from the same country has offered to sell us her flat in the capital city. My wife's family lives there, I lived there in the past and we may consider moving there in the future, so buying…
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Need car finance for new job
Hubby starting new job next month and needs to get a car (which he has a generous car allowance for). Will someone like Cahoot or one of the cheaper 5.6% loan people offer him this rate if he is just starting the job? Its a well paid job and we've got savings and a low mortgage and clean credit rating. Looking to borrow…
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Loans and credit cards in my name, but not my debt!
Hey everyone! This is my first post, so go gentle! I have a dilemma...so bare with me.. Over the past 5 months my best friend and I have been living together. I have helped him out by taking out loans in my name (I signed the paper work) and given the money to him. However things have gone bad. Legally, as the creidt…
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Financing a car for business use
Any ideas on the best way to finance a new car for hubby? Will be doing about 20k miles per annum. Looking at a £20k car. If we try and put some of it on life of balance Amex card - can we spilt the intial payment over 2 or 3 cards and then consolidate onto Amex? or pay cash and pay the monthly payments into the mortgage?…
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Paying Back 29k loan
Hi. I have two loans with the natwest and wonder what would be the best way of reducing the overall amount I am paying back to the natwest: 283.34 per month NatWest Consolidation Loan (6.8% APR) started July 04 -84 payments in total - loan = 19000. Payable = 23800.56 149.13 per month NatWest Consolidation Loan (6.8% APR)…
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can anybody help me????????????
hi all basically i have a grad loan with barclays and pay £175.01 per month but i am now on additional maternity leave which is unpaid, i have called barclays and explained this and they have basically tol me to that i have to still make the payments but i will not be able to make full payment each month but maybe about…
