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I've vanished...
Hi, i have a loan that i defaulted on in 2001. This loan has since been transferred to another company and i have been making the monthly payment ever since. however in the last three months, i heard nothing from the company - they were due to send me another paying in book. I rang them because i didn't want the arrears to…
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what to do...
My fiancee and i wanna take control of our debts, our debts put together total £17750. Fiancees debts - £6000 - tsb cc card -£750 - barclay cc card Mine - £8000 - tsb loan joint - £3000 overdraft We can never get good deal credit cards just get those pre approved ones in the post with a pathetic rate. We really wanna shift…
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Student Loan
Hi I wonder if anyone can help. I took a £500 student loan, when i was studying part time in May 2002, which i still appear to be paying off. So far this year i've paid £670 to the SLC out of my pay. Last year it was around £550. What are the interest rates and repayments for part time loans? Anyone know? Ive tried ringing…
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What's best in the long run ?
Hi, This is my first post so be gentle with me lol I have a Cahoot loan of £1700 with 11 months to go before it's paid off. :T I have manaaged to save about £1000 and I have an overdraft facility of £800. Would it be better for me to use my savings and overdraft to pay off this loan or would the overdraft interest make it…
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Anyone ever used drivewithus.net for a PCP ?
Further to my earlier post, I've discovered these people; drivewithus.net - it was linked from the autotrader.co.uk website, and so I would like to think that they are reputable, although I have to admit that any company with a website that is a .net address doesn't fill me with confidence. They have the largest discounts…
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When will my default disapear from my file?
I had an HSBC credit card and loan which defaulted in Jan 2001 to something called "shakesphere's solicitors" who i had one of those yellow cards with where i paid off money at the post office (sparodically, not keeping to a payment plan) I paid the lot off in 1 lump sum in Jan 2004. So when will this arrears leave my…
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Walkaway clause?
Hi! I have a PCP on my car (over 3 years into a 4 year agreement) which is into negative equity due to the mileage. It has been suggested that I could simply walk away by handing back the car and then start over (with a more realistic mileage allowance this time!!!) Surely there must be a downside? Thanks
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loan for car
I want a loan to buy a car but don't have enough money. i know i can go for a car loan but the problem is that i became a defaulter of credit card bill due to some financial problems. Could anyone gimme a briefing on bad credit loans and can i get a loan? if yes, then how can i?
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Lots of 'settled' a/c's...a bad thing?
Looking at my credit report online I see that I have loads of small loan accounts that were paid off successfully over the last couple of years. These show up as being up to date,no payments missed,and 'settled' but I'm wonderding if I am doing my rating harm by having so many on my report even though they're all paid…
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How to save money on my current loan
Hi guys I currently have a loan with Nationwide with a settlement figure of 4631.88.I took this loan out in September 2004 the original figure was 8000.00 at an interest rate of 6.9% over 60 months. Is there any way of getting this debt on a lower interest rate? I have thought about getting a low life of balance credit…
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Need serious help!
Hi guys, been reading all the bank sites - Halifax, HSBC, Natwest, Nationwide, Lloyds TSB etc - and still confused. I'm a first year uni student in London. I need 3k and I need it fast - preferably within the week! I also need around 5.5k as well. Been doing loan quotes on the sites, and Halifax 10k personal loan at 6.9%…
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car finance/ termination
i am about to hand back my vehicle as it is not worth selling as i owe as much as i would get. i have paid just over half my agreement and am entitled to do this, but after asking if the portion of money that has been paid more than i needed to was refundable, i was told no!. this seems unfair as my agreement states "we…
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£1000 Loan over 12 months No Paperwork
Hi Guys Ive spoken about this on another thread - but Ive now heard that some of these bad credit loans people charge money up front. Seems a bit strange to be to charge people who are applying for a loan because they dont have any money. Are https://www.baddebtpersonalloans.co.uk such a company? I need a paperless loan as…
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Getting a charge on home to secure/formalize loan to a friend
I have agreed to take out a loan on behalf of a friend to cover her while setting up a new business - this is for £20k plus with Northern Rock and she'd be paying it back within six months. (she made her own loan applications too early, didn't take them up, then realised her credit rating was affected by the applications…
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Personal Contract Plan for a new car
I'm not sure if this is the correct forum, but I couldn't find one that was more relevant - MODs, please let me know if this is in the wrong place. I need some advice with regards a personal contract plan for a new car. My wife and I went to our local Honda dealer with a view to getting a new CR-V today. The car is…
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needing some advice
Hi guys well heres the story I got out a £2k loan for a so called mate years ago, went to court as there was problems with her repaying.. the court ordered her to pay in instalments of £65.65 every month till it was cleared.. this didn't take into account right after the court had said this the next payment was missed and…
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Loans For Bad Credit
Looking for a loan with a reasonable APR that can be repaid via DD and that does not ask up front for money to process my application and for someone to guarentee it. Does any such company exist. Need to borrow around £5000 for home improvements and to pay off some small debts.
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Joint loan still to be paid off with ex-wife
Hi all Newbie here and in need of some good advice. I seperated from my ex-wife nearly 7 years ago and as a result I was left with all the debts accrued during our very brief marriage. As 90% of the debts were in my name I was left to pay for them without any help from her, despite her racking up all of the debts (but…
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Help
I recently asked for a settlement figure on a large loan which after receiving in writing paid off over the phone by debit card on the 27/12. I received a letter on the 29/12 thanking me for my settlement payment and that my account is in the process of being closed. I rang the bank today as the funds have not been debited…
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Cahoot loans - closing it!!
Hi, I've been a back seat reader on the board and have read some interesting posts so hello We wondered if anyone else, or if they just pick us. We have since the 18.12.06 been trying to close a cahoot loan account. First we were told it had a debit balance which we paid Then we were told it had a credit balance so I took…
