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proving income for RBS unsecured loan
Hi, my husband has applied for a self cert, unsecured loan, was approved in principal, but after 10 days the royal bank decided it couldnt validate income. my husband is paid directly into Royal bank fom Google, and pay-pal into N/Wide, for at least the past 3 years, regular monthly income, why can that not be validated?…
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Which loan to clear first?
My wife and I bought a house to renovate two years ago (for us to live in, not as property developers). We bought the house for £85k, taking out an £80k mortgage and a £20k loan with the RBS to pay for the renovations etc. The loan was over 20 years and at 8.9% but we had always planned to remortgage once the house was…
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running away from loans...
just a question.. if someone had a personal loan of 5k and the moved to a different country, say america or south america would they be caught and how long would it be until they could come back? Would they be able to return to the uk, even for a holiday? or wouod interpol find them? please answer soon. thanks so much.
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Need some advice with a new lease purchase
Hi We have just bought a new holiday home (stactic carvan as they used to be known). Having done all the paperwork and sign the lease purchase agreement the guy told us the van could take upto eight-ten weeks to be built. On our way home i suddenly thought that this means i will have to make probably a couple of repayments…
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Best way to buy/finance a car?
Apologies if this is in the wrong section, but as I suspected a load would be the best way to go I thought this was as good a place as any. I am about to move jobs, and will be receiving monies towards a car. However, I'm not a new car sort of guy so have only ever paid a maximum of £1300 for a car! Therefore, I have…
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HSBC Flexiloan
Hi everyone I'm a newbie trying sort out mine and my partners finances (oh joy!) i wanted a bit of advice about my hsbc flexiloan, its £3500 and i never seem to be actually paying it back-always taking the money back out again tut tut! so i was thinking about getting a 'normal' loan out to pay it back. I'm only 20 (21 in…
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What would happen if....
....somebody took out a £15,000 unsecured loan. Deposited it into a new account. Payments going out of the new account. Then left the country closing the account before they go. :eek: Can the lender pursue it through other accounts in your name still open in the UK? Will they bother? Are there certain countries that they…
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Debt Consolidation loans
Hello, I owe around 13k through credit cards (2 loans with Halifax) I havnt got a good history, altho the past 6+ months Ive been paying evry bill on time ect. I just want one loan to clear them all off. Most big companys wont give me a loan so am wondering if there are any good small companys that can help. I can pay…
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Another Welcome Car Finance Mess
Hi all, this is with regard to my brothers car so the figures wont be 100% precise but see if anyone can help. Bought car in 2001 for approx £3500 HP. has paid about £6000 in total, but started to default last year. Asked them for a reduction in the monthly payments but apparently they fobbed him off with some excuse about…
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Help! Terms and conditions wording in car loan..
Have just been looking through my terms and conditions of my car loan and it says 'At the end of this agreement,provided you have paid all monies owing under this agreement and the agreement has not been terminated, you may buy the goods. You may exercise your option to buy the goods by paying the option fee together with…
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short term loan
i would like a short term loan say over a year.for £2000 so i can finish doing up my house and then sell it,but i have a bad credit rating
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3k Loan for 20 year old
Hi friends, I am trying to get a loan for my 20 year old girlfriend. I tried Zopa and they declined online with no reason. Tried Abbey and have had no reply whatsoever. She only wants £3000 to buy her first car. She doesn't have a poor credit rating, no credit cards, living with parents, earns £12k per annum. The only…
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Car Finance Vs P-loan
Hi guys, im looking into getting a new car on finance but i think i would get a better deal through a bank loan, but im more confident about getting car finance as they dont seem to be as strict. Im worried if i apply for a personel loan and get rejected it might effect my chances with the finance. Any advce…
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big problems with my car finance
ok i just got a car on finance through a local dealer. they went through black horse for the finance. theres been numerous things wrong, i was promised a valet on collection and didnt get one. i have 30 days warranty with courtesy car from the 27th march, running out very soon. on saturday the 14th the car got electric…
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Loan for person with bad credit rating
Hi there fellow moneysavers. I have had credit problems in the past but am now addressing them with a monthly budget plan that I am sticking to and have down for some time and am a lot happier for it. As my credit rating is still 'tarnished', I am having trouble getting a loan through the normal means. I am after a small…
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My Halifax Loan. Is there a Better one?
My laon runs out on Nov 08 and im paying £319.14 back per month. The APR is 9.5. I have just spoke to someone at the bank who gave me an early settlemet figure of 5720.16 I would like to know if there is another Loan company i would be better off using to clear the existing debt off. I can pay £320 per month no probs and…
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Car finance
I brought a car last year using Unique car finance. APR was 41%! Now trying my best to get out of it, thinking about trying to get the interest reduced but not sure how to go about it. Any advice appreciated
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Sold a refinanced loan HELP PLEASE!!
hi, i took out a loan about 3 years ago but i had been badgered by RBS to refinance the loan even though i have never been overdrawn. Supidly i relented and one hour later a courier arived with the application and i sighed. Realising i would be paying more back for longer and had made a big mistake i rang back to cancel…
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Someone using my address to get credit
Can anyone please provide me with help and advice. A previous tennant of the house I own and have done for 4 years, seems to be still using this address for gaining credit. I get many phone calls and letters addressed to this person, I have even taken to phoning some of these companies up and explaining. I believe they…
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Help to finalize my loan calculation soft
Hello, I created last year a file (only in French) which allow to do different loans calculations: -monthly payment(with or without life assurance) -the max amount of the loan -to know the loan durations with different amounts or rates interests Now this file is in English too and I would be gratefull to you if you could…
