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Can someone point me in the right direction?...
Im looking for a low rate loan of about £4000 across 12 months. However, are there any loans that allow you to defer payments? Im hoping to travel with the loan and dont want to have to make payments until I get back. So is there a loan that you can start paying back after 6 months, or something similar? Any help would be…
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Charges On Exisiting Loan For Phone Calls And Letters Sent Out
I have a loan that has come to the end (October 2006) however in the middle of this loan i had a problem with payments but spoke to the company and done reduced payments for 6 months - i then went on to pay double payments to catch up with myself. in this time they rang me (charging me between £5 and £10 per call!!! and…
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can you have a natwest loan without a Natwest account?
Hello, I need some information regarding an existing loan I have with natwest. I am currently in the process of reclaiming my bank charges from natwest and therefore opened a new bank account, i chose nationwide as they were recommeneded to me. Nationwide automatically moves your D/D's for you, the rest of them went…
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£20k loan - need a lower payment
Hello - Last year I bought my 1st place & took out a mortgage with northern rock which has been fine but I also have a £20k loan outstanding and since I took the mortgage out last May Ive been paying my loan each month with £5k that I sold my car for. The payment is just over £300 a month. I wont be able to afford the…
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Loan for someone with crap credit!
I have an outstanding CCJ from over 2 years ago, i need a small loan of approx £4k to buy a car though, who should i approach to get this? I dont want to apply for loads of loans and get turned down so ideally a broker would be good or someone who accepts chumps like me! :j
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Halifax Referring Loan Applications To A Third Party Lender
Hi. I applied for a consolidation loan via the halifax website, at 6.9 per cent which they are advertising at the moment . When you apply there is a box that says something along the lines of " if we turn you down for this loan, there may be other people who would lend you money - would you like to hear from then" . so…
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Joint loan with ex-partner - tips on how to split?
Hi, I am in need of some advice...please!!!! I have a joint £25,000 HSBC graduate personal loan with my ex-partner. WE split up Feb 2006, at which time I also decided to un-bury my head and sort out my dire financial circumstances. I now have a DMP with CCCS. Hooray! My ex-partner is not contributing any payments to out…
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I want to pay off my loan but I'm not allowed!
I took out a loan with Black Horse last year for £2900. I hate being in debt and I want to pay it off. I thought the best way for me to go is to put it on a 0% credit card and pay it off that way. I've just rung now and my balance is £2746 :eek: which frightened me, but they won't accept payment with a credit card, only a…
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Award for highest APR ever - 177%!!!
The Winner is: Provident Personal Credit http://www.providentpersonalcredit.com/ I can't believe this offer, what a joke! Has anyone ever seen a higher % APR rate? How can these guys get away with it?
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loans for overseas property
I need a small loan to pay off a time share investment. I called my own bank (barclays) and they told me they can not offer me a loan for that pourpose. Having never needed a loan before, I am not sure whether to give them or any other money lending instituton, another reason, ie. a holiday, (will they require proof of the…
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loans allowing overpayment...
my OH is wanting to get a loan for £6500 to buy a car - but he only needs the loan for 6 months max and will be able to pay £1500 off next month and about the same the month after... I know that Egg allow overpayments/early repayment... are there any others that MSEs could recommend??? thanks!
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Very funny, found on the B3TA board
http://www.b3ta.com/board/6766308 Enjoy! Shevek
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Halifax Joint Loan App
Hi all, just a quicky. In summer last year me and my OH applied with halifax for a loan [by her account as i am the main earner] and have recieved my credit file stating that a search has been done and that we are INDEFENTLY financially linked unless i do an dissociation with her. BTW didnt get it. Overall i have the…
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Cahoot loans
I received this from Cahoot this morning in reply to my complaint about their recent (in my opinion unwarranted) rate hikes - thought it might interest some of you: >Having review your letter, I an see that you are dissatisfied with our recent increase in your APR rate on our flexible loan account. Please be assured the…
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:confused: IS EQUITY RELEASE THE ONLY WAY TO GO?
Hi, When my dad was alive he ran up a tax debt of £8 thousand forcing him to declare himself bankrupt. As my mum and dad were at risk of loosing the house to pay off the debt, they took a high interest joint loan (legal loan sharks) using the house collateral. My Dad died four months ago leaving my mum with this loan which…
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Cahoot Loan insurance mistake?
Hello I have had a flexible cahoot load for about 13 months and due to the awful hike in interest im paying all off in feb, about £400 left. However on investigation i have noticed that they have charged me for Loan insurance every month, i know i should have checked but its quite tricky on the cahoot website unless you go…
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Buy now pay later
Hi New to this! I bought a leather suite last year on bu now pay later. At the payment date to clear off the loan, I was 5 days late. They then charged me 1 years interest up front, some £900, on top of the loan amount! Now I know this is my !!!! up, but surely I would only have to pay interest on the days after the offer…
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RBS loan and Royalties Gold account.
Hi can someone help me out here. I recently took out a RBS loan, for which the apr was 9.9%. I know as a Royalties Gold member you can get a lower loan rate, but since I'm not a Royalties Gold member I didn't bother asking about that. I have been a member in the past, but cancelled it because it was useless for me. For a…
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Ppi Help Cannot Cancel
Any help would be much appreciated. I recently seen the documentary by Martin on PPI and found it very interesting. Here's my problems I took out a loan with lloyds some time ago. How they give it to me is beyound belive as i was a single mother and not a home owner at the time. Anyway, due to financial problems 2 years…
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Buy now pay later.....
Ok lets first of all say I messed up, but can anyone shed any light on whether the creditors are acting fairly with the charges they are making. In Dec 05 we bought a sofa for £1400. We decided to do a buy now pay later scheme as 'there is no charge if you pay on time'. Unfortunately due to the break up of my marriage…
