-
Load Advice..
i need a load of £3,300 i currently have an account with lloyds tsb and done an online quote.. for £3,300 it came back with an apr of 19%! .. if i borrow £7,500 the apr is 6.4%. my question is.. if i was to borrow £7,500 @ 6.4% after i taken out my 3,300 would i be able to pay the remainder back as a repayment? thus…
-
How can i clear my two loans as soon as possible???
Hi, I'm 24 and live with my parents. I want to move in with my boyfriend next year so we are really trying to pay off as much as we owe as possible.. I have two loans and a credit card.. My credit card is managable i use it but pay it off at the end of the month when i get paid. My first loan started off as £2000 to buy a…
-
(edit)
...(edit)...
-
student loan
Hi Martin, i just signed up on this site and i'm wondering if you know any alternatives to student finance as i've been told i'm ineligible because i've only been in u.k for not up to 3yrs. thanks, Will
-
managed loan
hi there i was wondering if anyone could help me. im 23 years old and a sahm to my 3 yr old and one on the way. my partner works full time and im on maternity leave. i got into trouble wheni was 18 with an overdraft at hsbc that they applied relentless charges onto, then when i went to ask if i could make reasonable…
-
Do you know if I can pay off Egg loan with marbles credit card?
I asked on credit card boards but didn't get reply. Does anyone know if you can send a Marbles credit card cheque to pay off an Egg loan - in effect BT it to the 0% credit card? Anyone paid an egg loan with a credit card cheque?
-
0% Finance really worth it?
Looking at the vauxhall offers they have 0% deals on the new astras which I one day intend to buy. My original intention was to wait for a few months saving a deposit and taking out a loan. But I dont quite understand this option Taken from the website- Typical 0% Choices Finance example:: Term: 39 months On-the-road RRP*:…
-
Overdraft Query
Hi guys, Was wondering if anyone can give me any suitable advice re my overdraft. Basically I have a current account with Natwest, my overdraft is for £1000 and the charges are crippling me. I have read about super balance transfers, but don't know if this is the best plan of action?! I also have a Post Office CC which…
-
Advice on Car Hp Agreement
Hi, Ive just bought a used car on HP. Basic price £7499, what dealer said he would sell car to me for. Traded in my car worth £2800, was already on HP owed £2526. So had £274 placed againist £7499 plus put a further £100 deposit. Took figure down to £7125, had to pay road tax £104.50. So figure to finance £7299. All this…
-
son's debt
My son took out a loan 11 years ago to buy a bike. Recently he applied for , and got, a new loan, for another bike. Since then I have been getting threatening letters from a debt firm saying he still owes £2000 from that first loan. What should I do about them ? He doesn't live here now, my husband is 60 and due to stop…
-
Credit Score
I posted recently that I was surprised that my personal credit score for a loan with LLoyds went up to 24.9%. Also they have risk indicator for their customers ranging from 0 to 9. The highter the number then you are deemed more of a risk to them. However after being in the 1-3 area for years I am suddenly a risk 9 and no…
-
Will I get accepted for a loan?
I recently turned 18, I have lived in my house (with parents) for over 11 years, have a landline phone, bank account for 3 years, earning £12kpa, I have a Morgan Stanley Platinium CC and Nationwide CC. What is the chances of me being accepted for a loanof £12k? The provider I had found was Sainsburys Finances, at about 6.5%
-
Help! Save me from the evil car financer!
I think I've been caught out to the tune of thousands by a thing called "front loaded interest". Somebody please tell me if it's right or if I have any options. I have a poor credit score but a reasonable income and recently bought a car on HP. The interest rate was punishing (24.2% APR) but I made sure I could over-pay…
-
Financing a car
Here's a question on a theory I had - please give me your thoughts on it's correctness £10,000 to spend on a car -£10,000 borrowed over 2 yrs 5.6% with Moneyback - Total Payable £10,583 -£10,000 saved in an instant access high interest account at 5% - deducting the monthly payment over time. Am I better off using this…
-
Free Full Credit Report
I couldn't find this mentioned here and I don't know whether this is the right thread to mention it but feel free to move it if appropriate. I found and registered to this website yesterday: https://www.garlik.co.uk For a limited period of time they'll send a full credit report for free if you register.
-
Loan decision reffered
l have apllied for a medical loan over the phone this morning. After being kept on hold for about 5 minutes for a decision l was told it has been referred. Anyone knows what that means, did l not meet their lending cretiria?
-
Lloyds Tsb
I had a business of my own and when i started my bank manager at the time gave me a £10k overdraft no advice just the overdraft. After a year it was dropped to £7k and my new bank manager admitted the old manager had handled the set up of my business wrong and offered me a business loan to get straight. After a lot of hard…
-
appointment with barclays PPI removal please help!!
I've got an appointment tomorrow at a barclays branch to try & cancel the PPI on my loan. I've tried sooooo many times in the past but am always told i have to cancel the agreement & take out another loan. I got Barclays new terms & conditions for their PPI the other day:rolleyes: and it states quite clearly that you can…
-
Change to term of loan help please....
Dear All I just have a quick question in relation to our loan... it is with the Lloyds tsb, and is over 60 months. We can afford to make higher payments each month that they are currently taking from us, so we called up to try and arrange to increase monthly payments, but were told after a brief wait that this had been…
-
Newbie Loan Query....
Hi Everyone, I am new to the forum and wondered whether you could help me with some advice regarding loans. About 1 month ago I applied for a loan via Halifax Plc for £5000 over 5 year and my application was declined. I was concerned because I calculated my incomings/outgoing and have between £700-800 per month disposable…
