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Help with loan. advice please
I currently have two loans that i am paying out for. One has a balance of £7000 and the other just under £900. I also have a credit card with £500 on and an overdraft of £650 that i wish to pay off. I have poor credit rating with a couple of defaults but no ccj's. I am after consolidating all these debts and have lived in…
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Quick APR Question
I took out a £6500 loan with Egg last month at 7.9% APR. They are now offering 6.9% APR on their loans and so I enquired about getting the lower rate. They have responded by saying that they cannot simply reduce my interest rate (fair enough), but they would do it if I were to 'top my loan up'. Is it gonna be worth me…
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Bad credit loans
Hello! First post here, so please forgive me if what I'm asking has already been covered (I went back about 20 pages, but nothing mentioned) I've got a very bad credit rating, 5 defaults, and outstanding debt totaling around £3000, I'm wanting to start a fresh now, and looking at getting a loan to do this (I know I…
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loans application refused name not on electoral register
Just had my second loan application refused on the grounds that as my name is not on the electoral register they cant do a credit check because of this. I have lived in rental accomodation for the last 10 years an rarely been on the register and now once i own a property im rejected any way around this money savers ??? in…
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Lloyds TSB sold 'debt'
Hi all My girlfriend had a Lloyds TSB overdraft of about £1000 after charges, and a Lloyds TSB loan of £4000. She never missed a payment on the loan, but they stopped taking payment. After talking to the bank they agreed that they had stopped drawing on the direct debit, but no explanation why. My girlfriend's bank…
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Loan for self-employed people
Recently I began to work for myself and now I urgently need some cash for my own business. However, the several credit companies I talked to seemed to believe that self-employment meant I did not have a steady income anymore, and either refused me credit or charged a very high rate. Is it possible to apply for a loan with…
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Can anyone recommend Zopa for loans
I have done a search for cheapest personal loans with no redemrtion penelties and Northern rock comes out top at 5.8% for £5000... Having read through some of the info on here and researched in other areas, can anyone shed any light on Zopa... I have never heard of them, but their ways of thinking seem interesting. Has…
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2005 was a bad year..Lots help please.
Where do i start? :o 5 Creditcards... 1 Loan... Catalogue... 1 Store Card. + Overdraft. Things were ticking over nicely until late 2004... Never late with payments always made more than the minimum payment... Then it started going downhill, Always seemed to be another expensive bill.. Meaning i was paying minimum payments…
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Loan Swap onto CC at 4.9%?
Looking for someone to blow a hole in my theory. About 18 months ago, we decided to consolidate cards etc onto one loan. This co-incided with the time we were due to re-mortgage. The guy we got to advise us on the job-lot basically (with hindsight) stiffed us! He put us on a variable rate mort with IF and got us a loan at…
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hello
hi ,i was just wondering if you can help? i have had my lightbulb moment but my ex is just getting himself deeper into debt.We have a joint loan together of which i pay £104.40 and he pays £80 (i no i have tried to get him to pay half but he wont)the loan comes out of my bank account.If he decides to go through ccs will…
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Personal Loans: How to get the UK's cheapest Discussion Area
This thread is to specifically to discuss the content of the Personal Loans: How to get the UK's cheapest article To discuss or ask a question about this article: click reply
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poor credit rating
i want to borrow £50 000 on home owner loan,i have opted for this due to being tied into mortgage deal till 2/2/08,i would have to pay £967 to come out of deal. will they lend me money to pay off credit cards and loan .i want to get rid of these cards.i am with abbey who i have got my mortgage with no missed payments my…
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Please help HFC bank PPI.
Hi all I am hoping someone will be able to point me in the right direction, I took out a loan with HFC for £7000 18 months ago and it was with PPi the interest rate I think was 26% (doh) and it was over 6 years paying £238 a month. :eek: I sent a letter to the branch saying I would like to cancell my PPI and got a phone…
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Claiming on a PPI
Hi all, newbie posting! I wanted to ask if anyone has experience of claiming on a PPI with their (unsecured) loan. We are expecting our second baby late June and with our first, I suffered severe postnatal illness, having to take a couple of extra months off work than originally planned, leaving us quite broke. Thinking…
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can you get done for application fraud?
what is the jail sentence for this or is it a fine or community service?
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Transferring a Loan to a CC
Hi guys, I've currently got a £5k graduate loan with Barclays, on which I am being charged about £30 a month interest. The loan has 18months left to run, which equates to about £500 in interest (roughly) My thoughts were that if I could somehow transfer this onto a 0% BT CC, then I would save myself about £500, which…
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loan companies ques?
which loan companies more likely not to reject you? it seems loan companies are desperate to loan money they why so many loan monies reject people? is there a such loan company so desperate to loan money they will condsider anyone?
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Requesting lower interest rate?
Finally decided to take control of my money. First step - Loan Last year, (when I was very naive) I took out a loan of £7300 through my bank - Barclays. It was pre-approved and to replace an existing loan. At the time I was in a real mess. I've looked into the loan and the interest rate is 19.9% - this seems very high, and…
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Advice needed on cancelling or changing car PCP
Hi all, sorry to make my first post a request for help and nothing more constructive!!! About 14 months ago I took out a 3 year PCP on a new car. Since then, circumstances have changed significantly - as they do. Then our requirements were one large comfortable car to do long and twice weekly motorway journeys. Now, what…
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Being Chased For A Debt 20 Years Old
Help ! Got divorced 20 years ago, gave her the house etc, small mortgage, house had a lot of equity. Now after moving numerous times I have received a letter for an outstanding loan that the Barrister/Solicitor had supposed to have taken into the divorce settlement. Anyone got any advice please.
