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Personal Loans.
I took out a personal loan in June last year with the Halifax Bank, to date have made all the payments and there is no problems, credit score is average with Experian, last search was done in August last year, one search was done earlier this month shown on Equifax, but not Experian, the Halifax use Experian to do their…
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PCP Vs Personal Loan
Can I please ask for some assistance from some of you very knowledgable finance gurus? I bought my brand new car on a PCP finance package back in September. Details are: cost price £27790, deposit £8000, finance profile £272 per month over 36 months, with a final balloon payment of approx £14500 (Guaranteed). Overall APR…
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need cheap loan + loan question
Hello all i need to take out a loan for about 12k but i am looking at a loan where i can overpay? i dont really know much about loans , i just want a overpayment option + a fair rate. Does anyone know where to start looking? i have considered getting an advance on my mortage but im still not sure whats the best route to…
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Mis-sold PPI?
I'm wanting to cancel the ppi on my Halfax loan and looking at the agreement as it stands my monthly payments would go down by about £40. I looked through the conditions and it mentions that once the ppi is cancelled you need to rearrainge the loan. I suspect that they would recoup the money by raising the interest rate…
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debt consolidation loan
Hi guys i need to know that when lenders say "debt consolidation loan" so thats mean people are getting loan to sort their debts etc .. then does it make sense to do credit check rather then checking the in and out the expenses and salary ... All i mean to say when any lender lend some money then he should concen with the…
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Home owned outright - not working (receiving benefits) - need about £20k for repairs
Hi, Could anyone suggest the best options (and warn of any associated pitfalls) for someone who owns a house worth about £160k, has no debts whatsoever, but has no income from employment. I need about £20k (most of this will be taken up by roof repairs but there is some other structural work I need doing) but obviously - I…
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Motorhome insurance
Hi, Newbie here. Anyone know if there is an area for Motorhome Ins. comments/posts/threads on this site. I can't seem to find any:confused: I've had wide ranging quotes from various companies, so I was hoping for some possible answers on here from like-minded Motorhomers. Hmmm, just realised this might be in the wrong slot.
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Question regarding Default
Under the Consumer Credit Act a default stays on a credit file for 6 years from the date of the entry, regardless of whether the debt is cleared or not, I understand. If a default was entered and then a subsequent arrangement to pay took longer than 6 years for the debt to be cleared, would the default still come off the…
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How do I pay £11,000 loan using credit cards
Hi all, i have £11,000 loan which was used to consolidate various things like my car finance , credit cards etc. Unfortuantly i didnt find this website until i already got this loan which now of course i realise getting it was stupid. It was £13,000 over 4 years paying back £3000 in interest from Barclays. I only got it…
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Loan Problem
Due to a recent serious illness, I'm now on long-term incapacity benefit, DLA and Income Support. I have a very small mortgage (about 10% of the value of my home). My home is 2-storey but due to my disability, I wish to sell-up and move to something smaller. This would then release capital and consequently I would stop…
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Dont know what to do
I asked so many times here and i beleive there are many finacial speacialist helping in this forum i would appreciate if some body can give me way to sort this out... I am having a banking with abbey and they turned me down for just 3000 pound loan and i am earning 20k and really need money for my wedding by end of this…
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Welcome FInance PPI
Anyone had any dealings with Welcome finance regarding PPI I have had a loan which is due to end in July and am going to approach them to cancel the ppi Also have one with GE money (secured) which I want to cancel PPI with
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Careful if you have a student (SLC) loan and move employers
Hi guys, I thought this was a better place than the student board for this, as this is aimed at graduates instead. Feel free to move if you feel it should be in a better place... I moved employers last year to a much smaller company who I suspect had never had to deal with anyone like me before (unlike earlier generations,…
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managed loans?
:eek: can anybody give me some advice and information about managed loans?? Its a last resort but one we may have to seriously consider if our situation does not improve soon. Thanks
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Help Needed With Gaining Credit
I have a credit score of 570 (according to garlik.com) I have 1 mess up on my account, which is down to a dispute with a vodafone contract. Thats the only bad thing on my account. Im 19 but i cant get credit. My partner has a lower credit score than me which is entirely my partners fault. We need a loan to help us move…
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Bank trying to hide their mistake - Business loan
SUMMARY Apologies for the long post, a quick summary is that the bank havent changed the loan repayment figure when base rates have changed (their error), they are now trying to hide from this error and sweep it up by moving to a new loan account but the payments or the term then increases over and above the previous…
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Ppi
Is it worth taking out? Do many people successfully manage to claim when needed or do they find its worthless?
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Lend 14K to Partner & Me
Hey, I am about to buy a house where I have put down a deposit and my partner has put down none. I wish to setup my Mortgage deposit as a loan that is only payable on Sale of the house. We may even get married in a number of years so would then cancel this joint debt. The loan needs to be from me, to my partner and me. Can…
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Lend 14K to Partner & Me
Hey, I am about to buy a house where I have put down a deposit and my partner has put down none. I wish to setup my Mortgage deposit as a loan that is only payable on Sale of the house. We may even get married in a number of years so would then cancel this joint debt. The loan needs to be from me, to my partner and me. Can…
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Very Short term loan
I am looking for a short term (2 weeks max) loan to cover the purchase of a car while the cheque for my current car is cleared. The loan is for £10250, is there any way this can be achieved in days rather than a week :confused:
