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student wanting loan for car
hi, im in my first year of my degree and i want a decent car, not something that will konk out on me and will last a decent amount of time, so iv decided that a limit of £4000 for a car will do, one problem is coming up with the finance, i know i can keep up with repayments but i would like a car before xmas, im 18, iv got…
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Overpaying on fixed payment loans (nonflexible)
Hi, What happens if I transfer additional money to my loan account? My loan account has a sort code an and account number so it should be possible. Will i get a warning letter and be "penalised"? Will the computer just continute to take payments from my account but finish it earlier (when repaid).. Just wondering.
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Non UK Citizen Loan Advice
Hi, At the moment I have applied for about 3 difference Personal loans being turned down for all three. I'm not a UK citizen but having been working and living in the UK for 2 and half years on a highly skilled migrant visa. I have a HSBC Bank account and credit cards so not sure why I'm not getting a loan. Can anyone…
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Loan Application - Any advice?
Hello there, I thought i'd canvas peoples' opinions about the options open to me for getting hold of some capital. Currently i'm a full-time PhD student in receipt of £12,300 tax-free bursary per year. I'm also employed in the civil service part-time, receiveing net £3,600 p/a. This leaves me with roughly £1,300 net income…
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Do ex parners searches effect me?
My ex partner and I still have a mortgage and joint account together until end of this month when I buy him out and will then pay off the mortgage and close the joint account. In the meantime whilst I cannot see his credit accounts on my Experian details I can see the amount of searches he has done since May and the total…
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Loan protection insurance rebate
I've just paid off a loan with GE money some 18 months early and was told by the loan broker I was entitled to a rebate on the payment protection insurance.I have telephoned GE Money on several occasions and pushed from pillar to post,each department telling me to ring anouther.Eventually I wrote to them asking for a…
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Career Development Loan - Training Co. in Administration/Insolvent
Hi all, my 1st post! :j I'm currently paying off my CDL whilst i'm ongoing with an IT course, but i got a letter today saying that the training co. are in administration and i am an unsecured creditor. Can anyone here explain more? Can i cancel my standing order with Barclays who the loan is with? Can i claim any money…
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Equity release Are my parents being done?
Hello all.. My mum called me today she wants to release 150K from her house basically to help me to buy a house and to help out my younger brothers. Currently her house is worth around 3 - 4 hundred K. Some comapny called (summat along the lines of) john Lumden (???) have said they can give her 150k but when her and my dad…
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Car financed with PCP - early termination
Hi I have question on a car financed over 3 years on a Personal Contract Purchase (PCP) basis which I am now approaching the halfway point at 17 months. Due to a job change, I no longer can afford the luxury of a car and was advised by a friend that a brake clause could be exercised by myself at the halfway (18 month)…
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not easy to cancel PPI
I took out a loan with Northern Rock in Aug 06 for £8000 with PPI. After reading about all the savings you can make taking out seperate loan protection this is what I decided to do. Got myself a policy and then rang Northern Rock to cancel my PPI. They said the only way of doing this would be to pay off the loan with them…
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welcome finance - problems
i took a loan with them about 4 years ago with my (then current now ex) gf for £2500 i have been paying this back at £85 per month but have stopped paying recently due to sickness from work. I asked them how much is still owed to be told £3600 . I informed of my time off work and they informed me that if i lost my job my…
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PPI on Barclayloan
Hi, I'd really appreciate some advice with this. I've got a loan with barclays but have recently fallen behind with repayments and i now have a DMP with CCCS. When i took out the loan i was convinced to take the PPI (like many others, made to feel like i wouldn't get the loan without it and told the APR would be higher on…
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Welcome Finance - Help Wanted, are they secret agents??
Hi I just called Welcome Finance as I want to settle my car loan early. Fair enough. I called them today and the guy I spoke to said I would have to ask for an early settlement figure in writing as they don't offer them over the phone any more. He suggested I fax or email it if I want a quick response. I then asked for the…
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Loan Protection
Six months ago i went into my local high street branch to cancel my loan protection on two loans as i didn't really need it. I was told by the assistant in the bank that this had gone through. Much to my own fault i never checked this but when i was checking to see how long i had left on said loans, said loans still had…
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Poor financial advice...where do I stand?
Before I begin my rant, yes, my wife and I are rubbish at money. We used to spend too much but decided to sort it out. We had a mortgage for £79k on a house, which was later valued, to be £130k. We had a hell of a lot of debt so went to a company and got a secured loan of £36k. Over a period of time we put stuff on cards…
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Egg Loan -Hoe do i find out a settlement figure?
Good Afternoon, I took out a Egg Loan for £7000 in July 2006 60 months - I have made 3 payments of £176.36 and 1 lumb sum of £1000.00 in August. My payments inc PPI. My querry is that I have have some money loack away in my HSBC 8% saving account £3000 + intress, i will be getting it on the 1st November. Im want to pay off…
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Advice on loan
1- which company offering loans to private tenants.? 2- poor credit history loan.? any suggestion please how can get a loan without much headace for tenants. full time employed Thanks
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Loan Company's Application Fee
I was wondering if anyone could offer some help here please. Around 3 months ago when both me and my partner were in need of a loan, we applied with a company - Fresh Finance (had to use one of these bad credit firms as neither of us have good credit) who approved us in principle and told us to pay a £49 application fee…
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Egg Loan PPI front loaded
Hi, first time poster. Hope someone can help. I emailed Egg to ask how much of a refund I'd get if I cancel my PPI on my loan. I have around £7500 left to pay on a £14500 loan. This is the reply I received. "Thanks for your message. Let me explain. Unlike the interest on Egg Loans which is calculated on a daily basis on a…
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Cancelling PPI within 30 days?
This week my Son took out a loan with Directline said yes to the PPI Total Cover which has put an extra £40 on his payment a month for 5 years. I'm not sure if this insurance is a good thing or bad, it also covers life insurance that he hasn't got There were 3 levels of PPI but she has quoted him the most expensive. He has…
