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Shakin' that a@@e !!!
I'm after a 'modern' car (hopefully a recent Megane)- I but have a poor credit rating. Where do I go for the best deal? 1. do I aim for Yescarcredit or whatever - are they any good/ethical or 2. do I beg a bank for a loan Any views gratefully received. :beer:
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Tenant Loans
Hi, this is my first post! It's long winded and I appologise... well I just applied with Tenant Loans to get a loan for £6000. My mother had recently applied for a loan using another company and had to send off £50. she then go a piece of paper through telling her they cant help her. I applied with Tenant Loans and they…
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PCP Agreement advice
If this is in the wrong section please feel free to move it! I am buying a new car and chose to take out a PCP agreement with the Royal bank of Scotland to do this. I wanted to spread the cost of the car over several years and as they can negotiate significant discounts on a new car it equated to interest free credit over…
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Student Loans
Have you paid back your student loans? American Student Loans works directly with the US Department of Education to provide you with the best re-payment options that reflect your financial position. Consolidating with our Loan Specialists saves you a ton of money. We even offer primo incentives to pay your loans off faster…
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How to pay a loan off earlier than planned?
Hi, I know that this sounds like a daft question but now I have just about paid off all of my credit cards I would like to start thinking about paying off a loan from Lloyds TSB which currently has 3000 pounds left outstanding. The loan is not in arrears and is paid by direct debit monthly. I don't have the full amount to…
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Full & Final Settlement
Can anyone recommend a good practice for negotiating a full & final settlement on a loan. Being asked for just under £10k for early settlement on a £15k balance. Cannot afford repayments anymore - can only get around £7k which is around 30% less than asking. Is it better to telephone first then write or simply write. I do…
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Have £13k MBNA cc debt. Need loan help
Hi, I am new here and need help I have £13k debt with Virgin/MBNA with interest charges of £210 per month. Would MBNA turn this into a loan for me with a better interest rate? I can afford to pay back about £350 per month but want an unsecured loan. Who are the easiest companies to get loans from?
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cahoot flexible loan withdrawn
I got a nice email from Cahoot today, advising me that as I had not used my Cahoot Flexible Loan for over 12 months, they were withdrawing the facilty (as per their therms and conditions). The flexible loan was only ever a 'rainy day' thing for me, but for someone else, it may be worth borrowing a £5 for a couple of days…
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Loan Insurance Mistake
Hi, bit of a legal question.... I took out a temporary BNPL loan for some home improvements with the intention of taking an advance on my mortgage to pay off the temp loan. The loan was for £8k and it had insurance of around £1100 on it. I have now payed the temp loan off via a DD payment and payed around £8.2k. I have a…
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Help, I need a loan, I have no bad credit.... But have not been in UK for over 5yrs
I hope somebody can help.... I went to get a loan with Alliance & Leicester on saturday, but they say they cannot give me one, even thought they wanted to... as i have not been in the UK For over 5 years.... I need a loan to cover my Uni Costs... I have a full time job for the last 5 years ( 2 years in the UK, but the same…
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£3500 loan needed
Please can someone help? My husband and I want to get a loan to pay off our credit cards. The end of 0% rate is rapidly approaching and we ware trying to get a loan at a lower interest rate than what the cards will go up to (about 15%). Unfortunately, up until about 2 years ago, we had some financial problems and have a…
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loansguard with rbs
rang to cancel today and she as in the bank lady said yes...will fax it through to loansguard today the next payment might go out but will stop after that is it as simple as that and can i claim back money paid into it already worth a try dont quite understand the claiming back bit loan approx 1 year into 3 yr loan for…
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Unlocking equity in house
I am writing on behalf of my grandmother who is 82 years old. She has recently lost her husband and now lives in a bungalow on here own. The bungalow is all paid for but she is struggling to survive on the pension the govenment gives her. Is their any way of unlocking the equity in her home which is valued at £200,000.00.
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Loans.co.uk fined £455,000 for mis-selling PPI
Sorry if this has been mentioned already, but for those that think that they may have been mis-sold PPI, it appears that redress is starting.
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overdraft protection??
Hi there Having just received all my last six years' bank statements & other 'stuff' from barclays, i've realised i've been paying 'overdraft protection' on my current account for the last 11 years!!! I always thought i had to pay a fee in order to have the overdraft facility...i never realised what i was actually paying…
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Borrow to Invest?
Hi Now before you all scream "no, you total idiot - don't borrow to invest"! I understand, normally it's a complete no no but this may be a little different - although I'm still not sure....heres my circs. I recently set up a save as you earn sharesave scheme in order to repay some existing debts at the end of three years…
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Loan default 9 years ago, Advice Needed
Hello all, I could do with some advice. In 1996 I took out a graduate loan which I passed on to a member of my family.(I know already what you are all saying!!!) Now almost ten years later, due to the fact that my relative did not pay it off a debt recovery company has tracked me down. Facts: Debt Due £3,718.28, but they…
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written or verbal agreement ?
My late mother took a loan from my brother in law in 1990. Iam her son and one of the executors of her will. None of the money was repaid during this period up until this day. Now my brother in law is looking for the loan plus interest. He as said there was a verbal agreement with my late mother, that the loan would be…
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Loan refinanced without PPI but PPI "kept" from original loan
Oh I am confused - any advice welcome. I am trying to help a relative claim back unlawful bank charges and have hit an unknown when reviewing her paperwork. I hope I can explain this properly! In March 2005 she took out a loan for £6000 - added to this was an additional £1340 for insurance so in fact she borrowed £7340 -…
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online finance
hi there, does anyone have similar dealings with online finance. I want to settle my car loan, but they have whacked on nearly £800 in admin charges, for letters sent out for late payments, sometimes two or three in one week. Should i use the same letter quoting unlawful bank charges? Thanks anybody for your tips
