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student loan
Hi I have the old style student loan, does anyone know if once you have started repaying it if you are going on maternity leave you can defer the payments again, as my maternity allowance will take me back below the 24,000 threshold and as its likely im going back part time i will remain below it? Thanks
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Cancelling PPI?
In a bid to save a bit of money I am considering cancelling my PPI on my Natwest Loan. Currently I pay out £208.95 and I know that if I cancel the PPI it would take the payments down to around £174. The Loan should be finished in 2010. Would it be too risky to cancel the PPI?
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what APR i am paying on my loan?
I took post graduate study loan from the HSBC about two years ago and the interest rate is 1% top of the current bank of england base rate.That means the current interest rate i 'm paying is 6.25% on my post graduate loan.Is it worth to switch to Northern Rock who is charging 5.8%APR.I don't know really what does APR…
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Car Loan - Not HP question
Hi, we have just been to look at new cars. Whilst looking we got onto the subject of outstanding finance on our current car. We were under the impression that it was bought on HP, however from looking at the paperwork it seems it was done as a personal loan. Is there any action / recourse we can take? There is approx £3500…
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Applying for a loan, but my job is mainly commision based
Hello everyone I want to apply for a loan, about 15,000 over 5 years and was probably going to use Northern Rock. I am in a well paid job, which pays weekly, but around %70 of each payslip is my commision - my basic is £208 a week, my commission brings it up to around £900/week. I can provide my last 3 months payslips (as…
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Query about the loan application process
Last month I applied for a loan to consolidate my debts. Since then I have had a credit agreement to sign and a page where someone has to witness my signature. I have also had to send off wage slips, utility bill and driving licence. The company phoned me yesterday to get some settlement figures on accounts outstanding and…
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Thinking about a loan
BF has suggested that we buy a new car which we would need a loan for. I am dead against this because I am fighting hard to get rid of the little bit of debt we have. I've persuaded him to wait till Apr when at least the loan would be the only debt we have. But would I be better with a LOB credit card? Are these just for…
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PPI Advice please
Hi, I have PPI on a loan with a large finance company Starting with N, I took this out whilst pg and was going through an emotional time. Usually as a rule I never ever take out PPI, anyway when I was sorting through paperwork to get my finances in order, I found much to my horror that I have a loan with PPI which is a…
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Loan insurance cover
My Husband took out a 20000 loan to buy a lorry and a van for his work,he is Self employed, he has the banks own loan cover and it is costing an arm and a leg, can we cancle the cover and take out our own insurance and could anyone recommend a compny that does this. Dawn
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Secured loan taken out by wife without my knowlege
It seems that my wife has taken out a secured loan on the house without telling me. She used someone to forge my signature on the loan application. The repayments have not been made and now the loan company are taking me to court through non-payment. My (now ex) wife is refusing to pay any money and it looks like the…
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Payment protection and no work
My Husband took out a loan with Lloyds TSB and took out payment protection insurance at the same time, he is self employed but has had no work for a few months, can he claim on his protection plan for the loan payments or will it just pay the interest if in fact he can claim at all ? Dawn
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Forved into a high rate loan - is this legal?
Hi Have recently been in a financial nightmare, where we were £2500 overdrawn against an agreed limit of £2000 on our main account and £500 overdrawn against an agreed limit of £100 on our second account. The bank (HSBC) rang us an asked us if we could pay extra into the account (including using a credit card to do so!!!!)…
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Loan versus credit card
can anyone help me with some calculations!!!!! please I have an egg loan at 7.9% apr and was wondering if i would be better off transfering it to an M&S credit card 3.9% LOB I have roughly £5000 left at £168 month for just under 3 yrs Thanks
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Average Credit Loan ! What is your experiance
Hi i need to raise 3000 pounds for my wedding end of this month , my credit history is new and average and i been with my bank since july last year and my earnings are 20k a year and i want to apply for this small loan .... i hope many of poeple had the same rating etc and where did you applied and where are the more…
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"Agreed in principle" with Natwest
Hi i have a 15K debt consolidation loan agreed in principle with Natwest at 10.2% apr over the phone with Natwest, obviously i filled the paperwork, is it a mere formality that i will get accepted or do loan apps often fall over at this stage? I haven't missed a payment on any credit's in 5 years, but had defaults in 2001.…
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Supposedly good rating, yet declined by Northern Rock
Hi everyone, First post, so a happy New Year to everyone reading! :beer: I'm looking to take out an unsecured loan (~£4500) for a car so I applied to Northern Rock today over the phone. After giving over all my details, they rejected my application. The woman I spoke to said it wasn't due to my credit history, which was…
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Advice required please...
just over £17000 worth of debt - 2 loans, credit card and a very large overdraft plus numerous other direct debits. have a poor credit rating and live with parents and I am looking to put all my debts together and pay them off in one small sum; or so to speak, as the advert says... ..can anyone point me in the right…
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Can Halifax steal my salary because of bad debt
I'm currently in debt to Halifax for £5,700 loan and £2,700 credit card. I am using a debt management frim and I have just informed Halifax of this. Problem is my bank account is still with them. This is where my salary is paid and all my direct debits. Are they the sort of people to keep all my salary to pay some of the…
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HELP!!!!!!!! Think I'm being conned.
I have, still..., a loan/HP agreement with HFC for a DVD player I bought in December 2002 for a total amount, including 4 year insurance of £233, which was suposed to be cleared over 4 year at a rate of £8 per month. (I was young and naiive). I have missed a few payments and been charged for them (which I intend to claim…
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Cahoot no longer offering loans??
Hi all. As my car is reaching the 3 year "give back or buy" mark, I logged into cahoot to look into getting a top up loan to buy it. However, there's no longer that option - instead I get a loan page referring me to Abbey?? How does this work - am I automatically linked as an Abbey customer, or would applying via Abbey…
