-
New loan or not new loan
Hi Bit of advice required. I thought this was a no-brainer until I just read somewhere on here that consolidation is not the way to go. I currently have a loan with Halifax at about 9.9% - amount owing - about £9,000. I have a NatWest loan for about £1,200 at a scary 20.3%. I'm paying £187.43 and £61.95 respectively per…
-
Car loan...help?
Ok this is a bit of an odd question... any help appreciated. Basically I bought a car on finance at the beginning of the year (8000 over 5 yrs). I've kinda seen the light and want to down size to a car worth about 2-3k instead. Would a dealer take my newer more expensive car, and let me have a cheaper one and pay me the…
-
Financial Agreement release
Hello, Has anyone else been in this situation or could someone advise the best way of "taking on the big boys" . I am able to go into the specifics in more detail, but basically I signed up to a Driving course on a "buy now,pay later" type scheme. They involved a finance company to do this. All the paper work suggested…
-
Offset personal loans
does anyone know if there is such a thing as an offset loan(not mortgage)? I'm trying to help my mum buy her council house and a mortgage in my name may be difficult as my name can't be on the deeds. Anyone know how I can get around this. I only need 25k. Thanks in advance.
-
Should i swap my loan?
Hi all I'm wondering if anyone can offer me any advise... I currently have a flexible loan with Cahoot at 8.5%, I've had this for a couple of years and still owe 6500.00 (original loan was for 9000.00, i have only been paying off 160.00 a month hense the fact i still owe so much). As of January next year I will have…
-
Loan application for someone else
Hi, I've just received a loan agreement through my door - address to MR Another - but at MY address. The paperwork is from LLoyds TSB and specifies that the agreement has been approved and that the funds are awaiting transfer into Mr Anothers account once the signed paperwork is returned. I've just rung Lloyds TSB who have…
-
What are the chances of getting a PPI refund
I took out a graduate loan in 1998 - seems a long time ago now but still have two years left to pay. At the time the Manager told me that unless I took out the PPI he would not be able to recommend me for the loan - being niave and the Internet being in its infancy I was not in a position to tell him where to go and signed…
-
Odd question!
About two and a half years ago I got a loan from the company that I worked for to get a train season ticket. The loan was for approx £3000. 6 months later the company went down the pan and administrators took over. I was sent a form to list how much the company owed me for wages etc. There was also a box stating if I owed…
-
Car Loan Advice Wanted
Hi all, I took out a car loan in August 2005 borrowing £7,000 over 5 years. Apr wise it was 5.9%. I'm now able to pay around £5000 of this loan off and would like some advice as to what the best thing to do is. I called up the finance company and they quoted a settlement figure of just under £7,000. Is it best to borrow a…
-
Student Loan Easiest To Get Now.........
With federal PLUS Loan interest rates as low as 6.25 percent, parents can offer a helping hand with their children's education costs. Phoenix-based NextStudent, the premier education funding company, offers PLUS Loans -- Parent Loans for Undergraduate Students at low rates when coupled with incentives and benefits that…
-
Keep getting refused
Hello all. I have just been refused again for a loan and i am at aloss as to why. I have put myself on the electoral register and have obtained my credit report from equifax. It shows me as being on the register, also with one loan (£405 remaining and perfect payment history), and also with one credit card. Again with…
-
TSB offered lower APR over ph
Anyone else had this recently? I rang the TSB just to enquire how much it would be to repay my loan (at the time was looking to get over 100% mortgage and pay loan off). After i was told the amount, the person then told me they could get me a lower APR and reduce my repayments by £20 a mth. Great, i thought... Well the…
-
Contact Addresses
Can anybody help me I am wanting to contact Halifax about a loan I have with them but I can't find an address to write to can anybody help me. I am also wanting the address for Barclays loans too Please some one help me!!!!!
-
Student Loan Write Off
Here I am,:smiley: , merrily and 'voluntarily' paying off my student loan, trying to stay on top of the interest but not earning enough :o to 'have to' start paying it off, . However, I have been told that the loan will be written off under certain circumstances, and since I was a mature student and am now closer to…
-
What goes on Credit History
I have helped out a friend a few times by lending him money by using Cash till Pay day loans. I had to do it as he didnt have a proper card or a cheque book. I would like to know if these in any way effect your credit history or anything like that? Thanks ajo
-
FTB need advice on loan for home improvements
I am a first time buyer and need some advice regarding the home improvements that will be needed to my property. I am in the process of taking out a mortgage with the Nationwide with a 2 year fixed rate. However, the property does need around £10,000 of works to upgrade it. I am thinking about taking out a flexiloan with…
-
Credit agencies
Hi all. Can anyone tell me if its possible to find out which agenecy has/is going to be used when you apply for a loan? Thanks people.
-
Best loan for £7500
Whats the best loans for £7500 for new car
-
Pay off a loan early or swap with C Cards
We currently have 3 credit cards which over the past couple of years we have swapped around to the the 0% on the balance transfers. We pay off the minimum plus some extra (not too much just what we can afford) Would we be more benificial in the long run to get out a loan to pay off the cards and thus paying it off quicker?…
-
Northern Rock Consolidation Loan
I am an excisting customer with northern rock and recently applied to increase my current loan of 2,300 over 5 years to 23,000 over 10 years for debt consolidation. After a credit check I was told that I was only entitled to an interest rate of 9.9% despite my initial loan rate of 6.3%. I refused to take PPI much to the…
