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Help!!!
I wonder if anyone can help us? We have just found out today that my mother in law took out a loan 2 years ago for £30,000 (unsecured), she is 66 years old now and her husband has only just found out. The repayments are £500 per month and neither of them work as they have a disabled daughter who they care for 24/7. How can…
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Is there such a thing as a fixed payment secured loan that you can overpay?
Im looking for a secured loan of 25k over 25 years with fixed payments but want the option to overpay to get it paid off faster when I am in a position to do it. Any ideas?
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secured or unsecured loan/
my mother has agreed to take out a loan to help myself and my sister get ourselfs out of money trouble.she lives in a house where the mortgage has long been payed off, but a few years ago she released some cash from an equity release company.i presume they have a say in if she can secure a loan on the house.?. if she goes…
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Confusion over loan repayments, interest etc
Hi. In 2002 I took out a 5 year year loan of 13k at 7%. Nearly four years later I have about 14 months left and around 5.5k left to pay. However when I add up my monthly payments times 14 it only comes to 3.8k. Is this to do with the interest being added to the loan amount and then recalculated with each repayment? Will I…
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where can I get 120% LTV
I need a 120% loan to value, but with a poor credit history cant seem to find any. Offered 110% ltv Anyone know a 120% company
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Loan help needed please!
Hello i am helping my parents find a good rate lon i offerd to help they want a £25,000 loan for home improvements anyone find a cheap rate thanks ( i am a n00b at this stuff:()
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Is there a downside to this - merging a loan?
I have 3 loans with the AA Home Improvement £12145 left - finishes Aug 2010 paying £293 a month Car Loan - £8246 left - finishes April 2010 paying £214 a month Car Loan - £3404 left - finishes Jan 2008 paying £232 a month As I stated on another board, I am trying to clear my debts which also include Credit Cards. My…
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loan application processing times
hi, does anyone know the average time for online loan applications to be processed? we applied last saturday, but nothing through the post yet, or are we just being impatient?
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Halifax Loans - Beware!
Re Halifax Personal Load The company I work for recently changed my pay day and this caused problems with certain bill payments. One of these is my Halifax personal loan. After calling the telephone banking number I eventually got through to someone to explain my dilemma - After explaining the problem I was told that since…
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Does anyone know a loan company who DON'T use Experian?!!
I have a £550 debt to British Gas registered on my Experian record. I haven't got the cash to get rid of it and they've defaulted me. My Equifax record is perfect, as is Call Credit. Are there any companies that DEFINITELY DON'T use Experian that I could borrow money from to clear the £550 with British Gas and therefore…
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what is an agreement in principal
hey folks, ive applied over the phone to north rock, for a top up secured loan, ive been agreed in principal and its now away to the underwriters. I have received the key facts illustration from them. Can anyone explain what further checks the underwriter will carry out?
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Do I still owe to a company that has been liquidated?
Hope you can help. I have a charge set against my home via a county court judgement for a debt that I could not pay. The company (limited with private shareholders) went into compulsory liquidation last year and I presume therefore that the Official Receiver has completed everything and the comapny is now dead. My question…
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GE Money Holiday Ownership Accounts
Thought I'd stick this post down as a warning to anyone thinking of getting into this situation. Earlier this year my husband and I decided to purchase a holiday ownership (simialr to a timeshare type thing). At the time we were abroad and being pushed to sign on the dotted line. I'm not here to debate the merits of…
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Still a student-should I pay loan back now?
Hi all, I'm still a student, and in my first year I got a student loan which was nice at the time, but now into my third year, this loan has started gaining some interest on it. I'm lucky enough to be in the position to pay it pack through part time work (this website etc!), but should I pay it straight off to the student…
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Single name loan suddenly in joint names!
On behalf of my friend - HELP! Advice needed please! Are you sitting comfortably, then I'll begin... Once upon a time a chap called N took out a loan on line to buy a boat. The loan was duly approved and a cheque issued. When the cheque was delivered, his wife J, signed for it as N was at work. J was also asked to sign…
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Payment Protection Rip Off!!!!
In an attempt to lower my monthly outgoings - credit card payments crippling me - I have taken out a bank loan. I asked for two quotes. Loan is for £20k over 7 years - yes i am appalling with money - and i had the shock of my life with the difference in quotes - one with their payment protection - one without. £377 with -…
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switching loan
Hi all I have a loan with LloydsTSB that I'd like to move if possible, as I don't think I can make any overpayments. Can anyone advise the best place to have a look for different loans? Thanks
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Disgusted
I regularly visit these boards for some sound advice and counsel. So it maddened me when I say some of the responses made to a genuine post. The thread with which I refer to is fro ko1970 - see below. I personally wouldn't send the letter - but I would certainly not jump up there on my Holier than thou horse and start…
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Credit rating
Any advice/suggestions would be appreciated. Bottom line - I have a lot of debt (2 loans, a credit card, overdraft) - am doing up my house in order to sell it and need some extra cash to finish it and to help tide me over till its sold. The sale of the house should hopefully clear most of my debt. Stupidly forgot to…
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Should I get a loan?
I can't decide the best way forward. I have an £1800 over draft (which I am very gradually decreasing) and approximately £1700 on a 0% credit card which I switch each time the 0% offer runs out but I only pay the minimum payment so it will take me years to pay off. My aim is to pay the overdraft and credit card off instead…
