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joint Loan
Hi Martin a bit of advice please, my friend took out a joint personal loan with her husband. They have since got divorced and he is now refusing to pay back his half. She has persuaded the bank to close the a/c after mentioning she was getting in touch with yourself they agreed. The bank have told her that even if she pays…
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Borrowing money using credit cards
I am taking a career break next year and doing a bit of travelling. To finance this I am considering taking Martin's tip and borrowing the required amount on credit cards with 0% on balance transfers and using the Egg Money card to transfer the money. I would like to hear from people who have done this and what pitfalls I…
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I want to buy a helicopter
Hi all, I am looking at buying a kit helicopter which will set me back around 40 - 45k. I basically want to know the very lowest %APR loan that I could possibly get for this level of borrowing? I am a home owner, have good credit history and no ccj's. Anybody out there have any advise to get me started? Rob.
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A bit of advice please...
We need to buy a new car ASAP. I have £1500 in an ISA I can get at immediately, husband has just over £3000 in a fixed rate ISA which can't be touched till April, and our car is probably worth around £1500, so hoping to get something for aROUND £6500 Tell me if this sounds good to you.... Apply to egg for a £5000 flexible…
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End of interest free on my finance agreement
Hi, I wonder if anyone could help me on this. I purchased a swanky new plasma on finance several months ago. However the dreaded end of the interest free period is creeping up on me (22nd December)! :eek: I was considering paying off the money owed on a new credit card which would give interest free on new purchases i…
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prob with hsbc and a managed loan
:confused: i was wondering if someone could give me some advice, i have a managed loan with hsbc, and have recently claimed back my bank charges from them, around £1200. anyway since they received my preliminary letter, they have been calling me telling me im 2 months in arrears on my managed loan, and now i have had a…
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Can Loan Companies Legally Do This?
I would like to know where we stand legally on this please? A family member applied for a 15K unsecured loan with one company who said they couldn't help him. He then started getting a lot of phone calls, letters and texts etc from others who claimed they could. In the last 2 weeks he received a phonecall from a company…
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Loan consolidation help
I've just obtained settlement figures for both my loans which came in at £10910 for the both compared to the £14000 i would pay if i carried on as i am. I worked out that with a northern rock loan for £10910 i would pay back around £11900 ( a saving of £2000). However, i'm in the forces and have just moved house, again so…
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Is it worth it...?
I have applied & been accepted for an A & L loan - 5.9%. I tried the Tesco loan calculator & it was going to save us £7.00 pm = £420.00 over the whole loan term (we are borrowing £10,000 over 5 years). Is it worth appling for the Tesco loan instead? Although we haven't signed the loan agrement with A & L yet, is there such…
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Paying off Yorkshire Bank loan
Hi, My sister took out a loan for £11,000 with YB at an APR of 7.9%, but I was just checking on MoneyExpert that I can get a loan with Northern Rock for the same amount but with 5.9% APR. Shall I tell her to take the loan out with NR and pay off the remaining debt with YB, is it worth it and if so how shall I go about…
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Unsecured Loans
Looking for info on unsecured personal loans. When applying is it best to acept the PPI as this gives you a better chance of being accepted. I would probably prefer not to take this as it adds quite a bit to the montly repayment. Im looking to borrow about 20k over 7 years as this seems to be the max for repaying loans. I…
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Daughters Debt
My daughter has been to university and ran up a large amount of debt on credit cards unsecured loans etc.. She has been paying off the debt every month but has decided that now she has finished uni she is going travelling and will come back in 3 years when all her debts will have been written off? She was living in rented…
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TV taking on poor PPI - want to be involved?
Loan Insurance: Have you had problems or ever sold it? I'm about to start a major investigation into the PPI business for a Tonight with Trevor MacDonald I'm presenting. We're looking at 'how its sold', 'whether it works' and the 'OFT investigation'. We'd really like three types of case study for the programme.....* PPI…
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can my friend get out of this?for the pros only.need facts not opinions
hi again my mate got refused a bank account last week,they suggested he did a credit check,as he said he had no idea why he would have bad credit. my friend is 21 and has been working full time for over 1 year.in 2004 when he was 19 he opened up his own business with an older very manipulative friend,he basically got taken…
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Car Finance - Help
Hi Got quite a Dilema here I purchased a car in October 2002 on Finance from one of the Sub Prime lenders paid every month without fail (apart from one which was agreed in advance) in the March of 2004 I puchased a second car from them as we needed 2 and then in the October of 2004 I excercised my right to do a volountary…
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how bad is going over your overdraft?
just gone over my overdraft by 3 pound,i will now be charged £30 for this.this is the first time ive gone over in ages.will this have any lasting effect on my credit?do these actually show up on your credit report at all?if so do they get wiped off after a while thanks
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Paying off loan with credit card
Hi all. Newbie here and brand new to MSE. I've just read the article on transferring your debts onto a Life of Balance Transfer credit card and i just want to make sure that i understand it correctly before i go ahead with it. I've never had a credit card before and i don't want one unless it will help me with my existing…
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I've got bad credit in military and need a loan quick
Hi i'm new and was told about this forum so heres my problem. I'm in the military and i move around a lot. in the past 3 years i've had 3 houses (tenancy i must add). I have a loan for my car so once upon a time my credit rating was fine! I've just tried to borrow £8,000 over 3 years but been rejected which then started…
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Best loan for self employed?
What are the best loans for the self employed?
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Zopa
Did anyone see the BBC news item on Zopa? Lend or Borrow without the banks, using an Ebay type barter for interest rate set. http://blog.zopa.com/ (Nov 23rd page) What do you think? Phil in Andover
