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Quickie RE: Cahoot Flexible loan...
I currently have a cahoot flexible loan, my quick question is... If i request an increased amount (I.E. up my credit limit), do cahoot contact the credit agencies again? If i get refused does this show on my credit report? Thanks Donna
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Best way to purchase a new car
I'm after a new car. To cut a long story short, I have a good credit rating with Equifax and Poor with Experian. This should hopefully change to at least fair in the next few days when a search disappears and they have updated my payment details. Now basically, I see this car purchase as a one shot method. If one method…
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Yes Car Credit No More
Hi All, I had a letter in the post on Saturday from Yes Car Credit and it said "You may be aware that yesterday Provident Financial announced that Yes Car Credit was ceasing to take on new business. The consequent withdrawal for Yes Car Credit from the retail market does notin any way alter or affect your contractual…
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a lloyds loan
hi martin just read yer book what an interesting read... about 1 ago i got a lloyds tsb loan of £3,000 i pay 100 amonth l have just checked the total and it has risen to £4,500 the money l pay is making no difference could i transfer this balance to a credit card and use your 0% interest for six month tarting method of…
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MY PPI (£2000) REFUNDED PLUS 4 years INTEREST!
GOOD NEWS!!! JUST ONE PHONE CALL HAS SAVED ME THOUSANDS OF POUNDS!!! I just complained to Lloyds about my £2000 worth of PPI after 4 years of having my loan on the basis that they mis-sold it to me. I had not in fact realised I had this insurance at all until last week!! Lloyds have agreed to refund it in full plus the…
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Car Loan - unsure?
Please delete... - posted in wrong forum
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Catch22 - Loan and credit check
I hope this is in the right place. I am trying to consolidate a couple of loans etc into a single payment but I can't get approved for a new loan because of arrears on one of the existing loans. I can't pay the arrears on the old loan until I get the new loan................ I know this might seem trivial but this is the…
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best unsecured loan with no early redemption fee
Trying to find the lowest fixed interest rate for an unsecured loan of 17k for debt consolidation over 7 years, without PPI, and with no early redemption fees. I know that will put the rate up a bit, but I just have a thing about ER fees and always try avoid them (perhaps I'm eternally optimistic that some large pot of…
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Overpayments on Nationwide Loans
Hi Everyone :) I have currently got a loan with Nationwide and the repayments are taken out of my Barclays account every month by direct debit. What I want to know is how can I make overpayments on the loan? Thanks James :)
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Use savings or get a loan?
My boiler has packed up and a replacement is going to cost me in the region of £1500. I have savings to cover this but have also been looking into getting a 12 month loan instead as (if I have done my calculations correctly) the cost of the finance would be less than the amount of interest that I will lose if I pay for it…
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Friends issues with loans...
Dear all, I have posted a message similar to this before, but would like to try and get a load of responses so I am totally sure on a friends position, I would of course appreciate any information you can offer.. About 5 months ago, my friend had a friend move in with him. Over time, he has helped his mate out with…
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Secured Loan?
I am looking to borrow about 3,000 for an upcoming wedding, ideally I would love an unsecured loan but due to me being a bit reckless 4 or 5 years ago then i dont think this would be possible I checked my credit files and both experian and equifax show 2 defaults each, both for different things and all satisfied in either…
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Ford Ka and finance
Hi my first time on the site as a new member. My wife has just bought a Ford Ka for £3995 brand new with Ford Finance over 3 years - the full price is £6,995. We can pay off the loan after 3 payments and have the car for £3,995 - question is a super balance transfer at 0% the best way?? :xmassign:
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Just realised I'm paying 29.4% Interest - Help
Help - I bought a PC this time last year and took the 6 months interest free offer. I had all good intentions of repaying the full amount at the 6 month period but...........didn't. I have now just realised I am signed into a 42 month credit deal at 29.4%, this means I'm paying back £1000 in interest over this period.…
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12k wanted
Hi I'm looking to borrow 12k. I already have a loan which has 6k left on it. What I shall be doing is taking 12k and paying off the other loan leaving me with 6k and 3k savings to get myself a new car. Is this the best way of going about this? and where do I get the best rate? I would be taking the loan over 4 or 5 yrs and…
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Yes Car Credit
Hi Im new to the website but very interested in improving my frankly poor financial affairs. My first problem I'd like advice with is this; About 18 Months ago I had lost my job and was in the process of suing my employer. I found a new job that required the use of a car but fearing that I would be refused credit as I had…
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loan secured on house - dothey take the whole value of house?
Yep some of you will remember a while back my mum had a summons to court to pay a debt, she'd missed loads of loan payments. They were threatening to seek reposession of the house as it was a secured loan. OOPS. Well theres an eviction notice to be served in the new year because she lied to everyone that 'it's all sorted'…
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Bridging loans
Can anyone please tell me the "in's and out's" of a bridging loan and the best place to get one! Cheers.
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is this possible??
Hello MSE's. I want to get a loan for £24000 but take a good payment holiday for as long as possible before I start paying for it. How long is the longest deferred loan spell, who does this and what are the rates like?? Has anyone got any experience of this. Basically my business isn't working out and I am looking for a…
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Can any one tell me flat rate equivalent to 9.9% APR please
Hi All, Would be grateful if any one could give me an equivalent flat rate for 9.9%APR. Many thanks :beer:
