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Is it too late?
My friend got a loan from Halifax in 2002 for £2500 but has just realised that his payments @ £76.45 /month means he actually "borrowed" £4590, is this just from the interest or is it PPI? He is going to dig out his initial paperwork tonight to check but will it actually say PPI or is it called something else? Also, if PPI…
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Unsecured Loan
Hello, Im new to all this! I need an unsecured loan, for £2000 i'am 20, think i have an ok credit rating , am a tenant and was wondering if any of you knew a good company that deals with this!? Thanks K
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Egg abuse of secure messaging system
I received a text and email informing me I had a secure message from Egg in my account. Fearing the worst I was dismayed to find it was a marketing message asking if I'd like to take a Christmas payment break on ym loan Can't afford to have a fabulous Christmas? Why not rack up more interest and take longer to pay your…
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I want to become a student but my current debt is stopping me... please help.
I really want to go to Uni :beer: but I'm afraid I won't be able to cope financially if I have to continue with the payments of my current loan. In July 2005 I took out a £10,000 loan with Intelligent Finance over a 7 year period at 8.1% APR. I'm paying off £157.20 a month. The settlement figure I got today was £8850.57.…
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Loans and store cards
When I was younger (approx 5 years ago) I signed up with a loan company called citi financial. I got charged approx 48 % apr, as well as insurance for £100 and got charged late fees which were extortionate. I'm a liable to claim back these charges as I feel I have been forcely misrepresented. I was young and naive and feel…
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help needed. Insurance with loans
hi, I got a loan out with citi financial about 5 years ago and is disgusted that when looking back at my records I had a charge of £1132.33 added on for insurance and a £100 arrangement fee. I don't remember being quoted this much for insurance or either taking it out. I feel that i have been hugely misrepresented about…
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Question about loan early settlement payment
Have been told to settle my blackhorse loan will be £427 if they recieve my payment before the 7th December (After which I'm presuming the add the next month's interest...)... but my question is if I pay by electron card on the 5th as I'd originally planned would that be classed as paying before the 7th and stop anymore…
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Hsbc
hi i went into HSBC on monday to try and get the PPI removed from my loan. i was told that the only way this was possible was to re-do the loan, which i agreed to, but was refussed even though the payments would be less each month. So the loveley young lady said she would phone them up on wednesday and se if she could get…
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Final Settlement amount help please?
Because of our previous finacial situation :o hubby & I have taken 3 Provident Loans with horrendous interest. However I have now been able to take out a loan (through bank) at a much lower interest rate (still not wonderfull tho) purely to pay off these Provi Loans;) Now my question is...as the interest quoted is over the…
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Agreement in principle...
Hi This is my first post on here please bear with me, let me introduce myself, im miss b im 25 working mum of one. Well my situation is this... I have one ccj on my credit file (satsfied and was only £195) i jave one default again under 200 pound both of these were from 2002 and i know they will come off in 2008. I have…
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Alliance and Leicester Loans
As I had a loan with A & L in the past in joint names with my partner which was paid off early with no defaults I applied for their much advertised 5.9 percent loans. Firstly for my partner in his own name he wanted to by a motorcycle, he was refused the loan. I then applied in my own name and was told yes I could have the…
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GE Money secured loan - early redemption charges
One of my friends recently took out a loan via a broker for £12,000 with GE Money - with broker fees on top the total amount borrowed is £13150. He's now decided to try and get his finances in order, but looking at the agreement the early redemption charges are slightly confusing. The loan is over 180 months, and has…
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alternative to managed loan
Hello, I have been slowly paying off an HSBC managed loan for a few years now. I still have just over £1300 remaining I have just become a full time student and am wondering if there is any better deal for me out there. (At the moment I pay on £28 per month but the interest is about £14 per month so it is going down very…
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short term loan
im looking to borrow £30,000 for six months .my house is on the market at £123,000 with an outstanding balance of £63,000 .iam currentley funding house purchasess abroad for long term investment and inome .is it possible to get a sort term loan with no current income coming into the house hold ,if so are the rates going to…
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only need a 20k loan for a few months
i'm confused, basically, i need 20k now, then will gradually overpay until i repay completely next march. however, from what i have read, it seems if i take a 60 month loan for 20k, and i repay early in just 3 months (with say northern rock), I have to pay ALL the interest for the 60 months as well as the original 20k…
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Paragon Personal Finance - I won !!!!
I took an unsecured loan out in 1993 for £1500 (at which time the company was Universal Credit) but in 1995 was made redundant and hit financial difficulties so took all my finances to CCCS who arranged payments and for interest to be frozen. To my horror in 1996, when I was back on my feet a bit, I approached Paragon (who…
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Illegal and immoral, but would you?
If you were leaving the country, would you consider taking as many loans as you could get, BT as much as you could and take with you as many credit cards as you could, with no intention of ever returning to pay them off:eek:
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Loan Agreement Form
I would like to write a simple loan agreement with my son. Is there a link to a standard loan agreement form?
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Loan charges
we took out a loan with black horse loans for a sofa with dfs -the two years interest free credit then we wallop you with really high interest rates -by now we should oew them approx £130 max -but due to the charges they add for returned direct debits we owe them over £600 (approx £500 in charges) can we contest these…
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flexible loans- who proivides?
Hi all I need a flexible loan.Ive looked on moneysupermarket & cant find any :confused: We are about to move house and I want a loan for a couple of grand to pay the months deposit & months upfront plus credit checking fees etc. Once we have completed on this home and sold it, we will have the cash to pay it back & close…
