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Don't Know Where To Go!
Hi I need to borrow about £2k over 2 years and I'm worried if I approach a lender and I'm rejected it'll worsen my credit rating (I've moved 4 times in the past 5 years) I haven't borrowed anything for nearly 4 years and haven't applied for any cards, loans etc for 2, although that application was declined. I've been…
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Transferring loan to CC with same provider..
Just thinking out loud really. I have a Britannia loan with a £1500 bal outstanding @18.9% APR. I see they're now advertising a CC from them at 15% APR,interest free for 5 months. Do you think there would be any problem in transferring a bal from a higher rate APR product to a CC with the same company-would they allow me…
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Parents paying Student Loans
Is anyone else in this position? I don't know what to do for the best. Along with spouse, I have promised to take responsibility for my two children's Student Loans Company debt. They have been out of university for about 3 years now and we have simply been paying off the interest so that the amounts still stand at the…
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Repayment calculation formula.
I am setting up a spreadsheet at home to help control my personal finance better. For future loans, credit cards, and mortgages I may take on, I would like to know the formula the banks use to work out monthly repayments based on the amount borrowed, the total number of monthly payments and the APR (for Credit cards &…
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early repayment on loan help!!!!!
Hi i have requested a settlement figure fo a loan i currently have the start figure was £15'000 (interest rate of 10% approx £27'000 payable back over 15 years) i have paid £6300.00 off this loan over 4 years and the settlement figure they have given me is £14'378.78 i would like to know if it is worth calling the company…
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Homeiprovement Loan Or Personal Bank Loan
Dear all, Just checking if you could give us some advise. The house we are buying needs approx £14500 worth of work doing to it. The mortgage advisor recommended us to take out a normal personal bank loan rather than a home improvement loan on top of the mortgage even though the interest rate will be higher. She has…
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Tp pay off or not to pay off????
Hi ,im fairly new here and wondered if anyone would have any advice for me. i will try to make it quick thanks. Right, I took out a loan for £5000 at 6.35% ( £5883.60 inc interest) over 60 months. I have paid about £1600 off through monthly payments already. Im am about quarter of the way through and can pay it off for…
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Loan or re-morgage
Hello, I work full time my partner part time we have 3 kids I need some financial advice; I have £4000 £1000 and £800 on various credit cards which I keep tarting when interest free runs out. My family and I have booked a holiday to Florida which will cost around £4000. My mortgage is £10,000 about 90 a month I have £1200…
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Can I get credit card payment protection refunded?
Hi all, tried asking this is in credit card forum but no-one seemed to know and maybe the Loans people know more about PPI/etc? Or it may just be that the answer is obvious and I am an eejit and should get on with cancelling for future months! I've only just registered that I have payment protection on my NatWest credit…
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Pay as little as 1% interest on a loan - Credit Unions
I have been a member of a credit union for several years now and funded part of my wedding and honeymoon Cruise down the Nile, bought a horse and a horse trailer with loans from them have only paid 1% interest on the loans! Credit Unions offer savings and great value loans, they are local, ethical and know what their…
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Advice please, anyone?...
Ok, I am 19 and wanting to go to Japan for four months during my gap year. I am currently at college and hoping to set off in September '07. I will not be able to work during the months leading up to that date to save money due to heavy college work. However, I do have about £4000 worth of stable shares. I do not want to…
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Short term loan?
Hello, I need to borrow £16k over a short term (3 month) period - can anyone suggest the best / cheapest way to do this rather than inceasing my overdraft?
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Can I pay off a Cahoot loan with a 0% Card?
Please help me. Cahoot have tripled my interest rate on my flexible loan within the last month. I desperately need advice on how to keep it down. I applied for the Morgan-Stanley Buy and Fly card today as it is 0% for 9 months with a £50 capped balance transfer fee. I have £5000 in my Cahoot loan and I could clear it in 9…
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Loans And Emmigration
Please could someone clarify for me what would happen if someone with no assets were to borrow up to their eyeballs and move abroad. although totally stupid thing to do, I wonder how the bank would recover their money?
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Loan with chequebook?
I used to have a Marks & Spencer Personal Reserve account where they gave you a chequebook so you only borrowed what you actually needed. Do any banks still offer this? I need it to pay some hefty bills whilst probate is sorted after the death of my father. As I am not sure how long this will take. It shouldn't take too…
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can anyone help me
im a newbie so hi and thanks in advance to anyone that helps me, Im a single mum and have been left with a load of debts from my ex, all debts in my name, with the money i get from income support im finding it really hard to pay these debts back and sometimes loose track and miss payments on others, i owe about 2 and a…
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Whos got the lowest apr at the moment?
I'm looking for a loan of about 4k but i only get paid 450 per mouth so i'm looking to pay atleast 150 a month so the lower the apr the better,My bank (Hsbc) are offering 16.7
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Loan Advice
Basically would like a few opinions on whether or not i should make a change to an existing loan Currently owe cahoot just under 4k on a flexable loan, i;m 6 months away from finishing a college course so will be working full time in 6 months and all being well double my income. Currently earn about £450 PCM in my part…
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Loan Advice
Hi, I'm new to this forum so thanks - it seems brilliant! I am looking to buy a new car (approx £7k) which I need for my self employed work. I have the following debts, but unfortunately have missed payments on my loans and mortgage in the past, but have avoided a CCJ. What are my best options for borrowing the money? I…
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Car Loans
We bought a car from Carland 2 years ago with a loan set up through them with Black Horse! We are now in a situation where the loan is for a lot more than the car is worth! We are also looking at moving overseas and we would really like to know if there is anyway to get rid of the car and loan! The interest rate is also…
