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need a lona but don't want to be scammed
my girlfriend wants to get a loan to clear off her credit cards and sort out her finances, she has a slightly below average credit rating but still gets approved for hp etc, she's had no ccjs or defaults just some missed payments, but the banks etc won't give her one. i know from experience (although i have a much worse…
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Best way for car finance?
Hi all, Need your advice! We need to upgrade our car, I need a car for work and it needs to be reliable and something to last. We were thinking about £7000 to spend. The last car finance we had was through British Credit Trust, which were ok. As my credit history is poorer than poor, I need to get with a company who is…
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Barclay Loan Interest Rates
I am considering taking out a barclay loan as i bank with barclays and have a pre approved offer of £23200 the interest rate availablet o me online is 9.9% do any of you know if i contact them will there be any chance of them reducing that rate as other lenders are doing the loan for 6.2% have any of you tried this? cheers
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Cheap PPI
Is it possible to take out PPI with insurance companies at a snip of the cost the banks charge? Has anyone done that here? Cheers!:beer: :beer:
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Deep Trouble
I am looking for some serious advice, my wife has run up massive Credit card debts, I have used all my savings and am still looking at £45k to clear. now the more positive bits, we are both in full time employment with reasonable salaries, no mortgage and a property worth <>£300k. I also have a pension I can draw on with…
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Picture Finance
Hello All My wife recently contacted Picture Finance to see what the settle figure would be and i was astonished that the original £44,000 loan would have to be pay back with the interest coming to £88,000, we took the loan out about 5 years ago! Is this legal Regards
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Can anyone please give me some advice.
Hello About 3 months ago i recieved a letter from a debt recovery company saying i owed £402 to a company called shopacheck, who id never heard of before. I called the debt recovery company and explained that i did not have any outstanding debt with anyone and had never heard of the company. So i came to the conclusion…
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Advice Needed ---personal Loans
Hello, wonder if anyone has any advice as it is driving me and my husband to despair :eek: me and my husband are both working ---have a few debts that we can manage we get around £2000 p/c/m we tried to get a loan with natwest (my husband got a loan in 2004 from halifax--and since then we cant seem to get any credit, have…
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Help
Please can you look at my thread on "Debt free wannabe"... entitled - Taking the plunge... Wanted - advice please. It does concern loans. Many thanks,
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Probs with Halifax unsecured loan claim..can anyone help?
Please please can anyone help me with a consumer problem I have that is driving me to distraction! I took a loan out with Bank of Scotland, Halifax in Feb 2006, at the time I was pregnant and employed. Had I gone on to maternity leave with my employer I would have been on full pay for 20 wks and half pay for the remaining…
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Can't pay extra off loan unless I pay for all of it!
Hi, I got a loan for a car a while ago and i've now sold the car. The selling price didn't cover the cost of the loan. I rang my bank saying I wanted to pay off my loan and they said I can't pay off chunks of the loan, I have to keep paying monthly OR I have to pay it out in it's entirety. Can you please give me some ideas…
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Provident I just Can't Afford To Pay
Me and my wife both have loans with Provident below is the breakdown of what we have with them. Myself 1000.00 loan over 105 weeks 39 weeks paid 300.00 loan over 55 weeks 26 weeks paid 200.00 loan over 55 weeks 20 weeks paid 100.00 loan over 55 weeks 10 weeks paid 100.00 loan over 55 weeks 4 weeks paid My wife 800.00 loan…
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Loan company lost my original agreement?
I took a loan out about 4-5 years ago and have been paying back monthly however I have no copy of the signed loan agreement and have therefore requested the company send me a copy for my records. After asking every month by telephone for 6 months....no joy! Is this breaking the law and if so, can I stop making payments?…
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Avoiding early settlement fee?
Hi everyone I am about to repay my personal loan in full but will be hit with a £250 penalty for doing so :mad: :mad: :mad: Is there any way around this at all?
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Can I reclaim loan protection cost
A couple of years back I had a graduate loan with HSBC, and stupidly took out the loan protection. The cost of which was added to the borrowed amount from the off which was about £6000. I think the protection sceme was worked out at about £1250 on top.(so about £7250 total). About 6 months into the loan I was off work…
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Welcome car finance
We have a car from Welcome, but we want to get a mortgage so want to give the car back. But Welcome say we either stick with it for another 3 years or we pay back half of what is still owed! We can't do that but having this loan is killing our chances of a reasonable mortgage. Anyone know how to get through this without…
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loan settlement interest charges
hi , martin gave a very good tip on reclaiming bank charges , does anyone know if you can claim back the interest you pay on setteling up your loan ? jackie
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Desperate for a Loan
Hello all I'm in a really bad situation, and am desperately trying to find a loan of £3000 to save my life. Earlier this year I had to pay out a lot to cover expenses for a very unfortunate situation involving my brother. This meant that I was unable to pay all of my bills that month, so Ive been borrowing and scraping…
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Bank Guarantees & Loans
I have some questions and wondered if anyone has the answers. 1. As a company, I and my fellow 3 directors took out a SFLGS (Small firms loan guarantee)which was ok. But we each were made to take out a personal guarantee to cover the bank's minority portion (not backed by the SFLGS). So my question was (in hindsight) can…
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how on earn do they get away with this?
Hi All, I've a tesco's loan (outstanding amount £5200). I've saved up enough to pay this off outright. However in the last week my 8 year old has started to play up so need to buy a new one.. Cutting a long story short - the car I want is £13000.. I have £3000 from my old car, plus around £2000 in savings... Leaving me…
