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0% interest balance transfers question
In martins section of financing a new vehicle puchase it says : I have just read the T&Cs on the mnba card website about their 0% balance transfers. It says in the definitions: Does this mean if i moved say £1000 over to my bank current account it would not be classed as a balance transfer ? and would therfore have to pay…
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Loan Help
Hi Guys, i am looking forrward to get 10,000 loan in december/january , i am having a current account in abbey since july and i am running well since then .... All i am concern regarding my credit history , i am not a defaulter or any thing just worried about that too many searches made on my file 2 months ago when i was…
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Help with PPI on defaulted loans
I have posted this on another thread but I thought it may be better on it's own as it is a bit complex. Can anyone advise me please. I am helping my son & his partner reclaim their bank charges which is all going according to plan "I Hope!" However I need help with this PPI thing. Brief details are:- Sons partner took out…
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Help - Is there a 'cooling off period' with loans?
My boyfriend is not the most money savvy and he has had a Lloyds credit card with £3700 balance that he has just been paying the interest off on and none of the balance. Today he has been into his bank - also Lloyds and they have convinced him to take out a loan of £3700 to pay off the balance. This did not seem like to…
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Yes Loans
Hello everyone,never been accepted for a loan before so was pleased when yes loans rang to confirm i have been accepted and paperwork on the way.Just found out that a lot of people have not reiceved the loans so have lost the adminn cost.I would like to know will i be alright if i dont sign any paperwork,do i just send it…
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New Egg phishing e-mail - BEWARE!
I received a very convincing phishing e-mail purporting to be from Egg today. It was convincing because it is headed "Your Egg card statement is ready" rather than the usual cobblers about confirming your account details. I have told Egg about this by phone, but the site linked to is still up and running right now - so…
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Really is my last resort
Hi there I must admit I am new to this forum - but I have I need to try anything to be honest We are in the middle of a remortgage, we have a suspsended possession order on our property and a deed of postponement as a second charge - the intention is to remortgage and get rid of both of these - this was due to something…
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I know i'm being stung but how the hell did I end upo signing?
I got a loan with welcome finance in Nov last year(stupid I know but I was desperate and thought it would help:rolleyes: ) and basically my credit rating came down at a whopping 50%:eek: Anyway I have been looking at the forms tonight and basically I would of thought that interest on 2000 is 1000 but according to my…
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Unsure on next loan
Dont know if this is the right bit to post this.. Got a wee problem, i'm after a big loan in 1 years time (no less) however i have 2 loans already being payed off (which will be payed off before i go for the biggy) thing is one of them had to be referred to a debt agency due to myself missing 2 payments!:rolleyes:…
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Early Settlement Rebate/Full & Final Setlement
Took out a £12000 loan over 7 years with what I think the industry call a 2nd tier money lender (now part of HSBC) in July 2003. They also sold me PPP and promptly added another £4k to the loan. Total cost £32k. I know - mad but circumanstances were not letting me think straight!! However I was told that on top of the…
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Please can I have some advice?
Dear All I am writing to ask for advice on my OH's loan. It is with his bank - I am unsure of the amount he borrowed but the total repayable is in the region of £8,500. I know his APR is 19.9%. :eek: Would it be wise to request a final settlement figure and get a loan at a cheaper rate to pay it off, thus saving him on…
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CreditPlus Car Loans
Just wondered if anyone has heard of CreditPlus? If so do you have any advice as to whether to use them or not. Ben
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MAY need a loan for a few days..?!!
About to move house, no date yet but it could even be Friday...aren't solicitors wonderful..?!! :mad: Problem is that if it is Friday it may mean that part of our money is not yet through. We are dispensing with a mortgage and downsizing so have been scraping all our cash together from various sources!! It will mean that…
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Good place to get a student loan?
Where is Good place to get a student loan? Thanks
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Credit rating - mistake at NTL - affected rating
Hi, I'm not sure if this is the best place, but given I'm came across this while trying to shift a loan to a better deal, I thought I might try posting here: I've had some trouble with NTL that has resulted in 3 months in arrears of bills totalling about £10 (all their fault, debt has since been wiped). As a result, my…
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Illness and Payment Protection Insurance
Hiya, I don't know if anyone can help, but I was off work sick for 12 weeks earlier this year. Now, at the time I wasn't well enough to do anything about it, but I know I have PPI on my loan, what can I do about this. If it helps its with RBS. Thanks Sal x
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Experian help
I recently got my credit report from experian and have noticed I have got a default on there from a credit card I got in 2002 and it was defaulted in 2003. I haven’t settled the account, so will it be deleted off my file in 2009? Or will the six year period not start until I have settled the account? Also I have quite a…
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PPI refund from Co-operative Bank, any success?
Hi, Has anyone here had any joy with gettting a PPI policy refunded from the Co-Op bank? (PPI through Norwich Union.) I'm currently trying to get my PPI on my loan cancelled, (after gaining some excellent advice from the thread on here) for 3 reasons: - I took the loan out last November, and was signed off sick from July -…
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Cant seem to get a loan(help needed)
I dont have any credt cards,im not on the electoral role.I managed to get£1000 over 12 months from abbey and have 6 months left on that but now i need a loan of £3000 over say 4 years.Abbey wont give me that and i just cant seem to get one from any of the cheap lenders.I am in f/t employment ,same company for 2 1/2 years.I…
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Interest free overdraft as a loan
Hi, I've recently started a new job that requires a lot of driving, although i have a car its not extreamly reliable so was planning on getting a new one. To save money i started looking around at graduate accounts (having just graduated this year) and most offer up to 2k interest free overdraft that comes down in stages…
