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Husband took expensive loan, can we do anything?
Hello all My husband has run into problems due to a long period with little work. He has gone over his overdraft limit on his HSBC account, with the result that payments for council tax, water, insurance and others have bounced. He had his head in the sand about this for a long time. At last he went into the bank and on…
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Trying to reduce rates
Hi Everyone, just a few questions really. I have a NR loan with no early redemption penalties for £6000. Problem is, its at 10% interest. Now I feel this is very high. Is it worth ringing them and seeing if they can lower it because a) I have my mortgage with them and b) I even have their Co-op branded credit card (at 8% -…
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How Long Should I Give Them?
Took out a £12k loan plus PPI which added another £4.5k. Add to this 24.9% interest over 7 years - whoops!. I think I was mis-sold the whole thing as I was told that I could pay off more than just regular monthly instals which would reduce interest and term of loan. This sounded great as I anticipated getting rid of it…
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YAY! We did it....
we got our PPI cancelled with Barclays and they have admitted they mis-sold (not in so many words) it to us and will refund the whole lot! Thats just short of £6000! :T One thing though, does anybody know if the interest automatically gets deducted too. It was £6000 for the protection and then another £2000 in interest, so…
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Anyone had experiance of a Blackhorse secured loan, or a GE Money home secured loan?
We have the quotes and both are similar just wondered if anyone else has a secured loan with them and would like to hear comments good or bad. Thanks
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Court order and everything else!
Hi guys Thanks for your previous help. We managed to sort our mortgage out so we're happy with that! We now have a, wait for it, £60,000 debt. We have £100,000 equity in the house, and I am due to start a £20,000 job in Jan, my partner earns £45,000 and I get £1000 pcm child maintenance (court order through in Jan ish). I…
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Northern Rock Application
I've just applied for a northern rock loan over the telephone, we got to the final stage where i was told my application has been referred to the under writers. Any idea what this could mean? My credit report looks good, the loan that i cleared at the end of october is still showing however i explained this to the guy and…
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Provident Personal Credit
I have never heard of these people EVER. I have NEVER EVER had any dealing with them. I am on the Mail and Telephone Preference Service. Why then do I find a mailshot in my box this afternoon celebrating the fact I can borrow up to wooooohhhh... wait for it..... £500 and pay back at £9 a week at a rate of 177% APR!!!!…
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Quick question regarding interest rates...
I've managed to work myself into a fair amount of debt mainly due to not budgeting and being an idiot. It's three credit cards and a graduate loan that I took out a few years ago. In order to reduce my monthly payments and make everything a lot easier I decided to take out a loan to pay off all of this (£8000). I went to…
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125pc home loans offered to 'cash-poor' professionals
Reading the telegraph last night I became slightly confused http://www.telegraph.co.uk/news/main.jhtml?xml=/news/2006/11/14/nloans14.xml The article referred to a new plan to offer 125% mortgages based on 95% secured and 25% unsecured. I was slightly confused as how this adds up to 125% and not 120% but let’s not go…
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Intrest free loan charges
I've amended my D.D. for an interest free loan but either my bank (Nationwide) or Clydesdale (the loan bank) has made an error in the transfer of the D.D. Clydesdale now want to charge me £20.00 admin + a £22.50 late payment charge. Can I have these refunded as with the other bank charges mentioned?
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Provident Personal Credit - What could they do to me ??
Hi there, I currently owe money to Provident Personal Credit door stop lenders which I've been with for the last 2 years. I'am nearly paid up with them, but am planning on lending £1000-£2000 off them for Christmas I know the interest is high. But no other lender would lend me money as I went bankrupt approx 2 years ago.…
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Front Loaded Intrest Loans??????
Please help, I am looking to take a loan of £15k to pay off credit cards and an old loan on a high % . When I approached my bank for a loan the offered 12% over 7 years. They also claimed that as I was looking to pay the loans off proir to the 7 years (due to savings plans maturing) that this works out cheaper than other…
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Barclayloan advice needed
Friend took out a loan over 4 years, initially took out payment protection but then cancelled it. They said couldn't reduce payments but the loan would finish earlier. Any ideas how she can find out how early ? Was due to end June 2008. :confused: When she checked the current amount it looks like the payment protection…
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Very short term loan?
Hi, My mum needs a very short term wad of cash to secure a flat sale. She'll be able to get a loan from her brother within a month or so. Where would be a good place to apply, all things considered? Particularly with regard to early repayment, rates if applicable and any other fees that she would incur. I know nothing…
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Consolidation loans?
Hi, I just applied for a loan to pay off my credit card and an existing OD. The total amount is £1300, but I'd like to know why most people on here seme to feel that consolidation loans such as these are not a good idea. I've read through the earlier posts concering such loans but I still think its more sensible for me to…
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Student Loan
My husband obtained a student loan some years ago, and moved. They recently caught up with him and he owes 5,792.91. He has said he can pay up 3000 in one go and like other debt companies he assumed they could offer a reduction for a large payment. According to the debt company they cannot offer such a reduction as it is a…
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Some advice please.
Have just joined as I could do with some advice. My good lady seems to spend all her life on this site so as they say if you can't beat them then join them. She is all clued up about APR's, %'s and the like but back here in the real world we are struggling big time. We have a mortgage of £21,239 on a house valud at…
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what did i do wrong
i have a problem applied for a loan today for a new car as i didnt want to take out the dealers loan. i did it through lloyds tsb at an advertised internet application of 6.4% and i did it alongside speaking to the advisor on the phone. i completed all the details after i was told yes you will get the 6.4% and then it was…
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OK - Its time for you to talk to me ...I'm waiting!!!
Ok - I've started a new thread. I'll get straight to the point. I need a loan of approximately £20,000. Whats the best one to go for - secured or unsecured? This needs to be sorted out before Christmas..................Help!!
