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dont know how to start
we got a loan about 10 years ago from tsb and they made a big mistake my husband had just got his permanent contract and put on form that he had been there for 6 weeks they got in touch with them like they do and when we went into sign the manager at the time said we will put 6 months we also paid for insurance for…
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Student Loan Help - First contact in 10 years
Morning everyone, long time reader but first post, so please be gentle. Yesterday I received a letter from a debt collection agency seeking payment of £3750 for arrears on a student loan taken out more than 10 years ago. Now I admit this is my fault as I failed to notify the SLC of many changes of address since graduation.…
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How do loan companies work out the most you can borrow
Hello. I want to take out a loan, my credit rating is currently excellent. I basically want the most they will give me and im sure they must have a formula for working out how much money to lend you unsecured, I dont know if it is a % of your annual salary or what. Does anyone know how companies work out what the maximum…
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help in paying off a loan early
I've got a loan that I wish to pay off early, my monthly repayments are £389 and go out on 22nd of every month. There is approx £10k remaining. I'm planning on paying it all off early but want to avoid an early redemption penalty if at all possible. Hows best to do this? Last time I paid a loan off early they added £60…
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Asset Link Capital - Advice required...
Hi, I have posted this in Debt free wanabee but thought I would have more success here. I posted a while back about an outstanding debt with Asset Link Captial, see thread below for more info http://forums.moneysavingexpert.com/...ght=asset+link Since then, they have been to the County Court to get us to pay more than we…
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extortionate interest amounts! can you claim back?
Can you claim back massive amounts of interest from loan companies? We had a £10,000 loan and interest was added after ever monthly payment at various rates, one month just short of £1000! and the other months between £200 and £500. Any advice? Thanks
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bad credit NonHomeOwner Unsecured personal loans
Hey First Post ;) So I've i'm on the road to a better financial situation... Looking at all aspects of using my money more wisely,from food to bills... Been looking around the site and didnt find a section that really dealed with unsecured personal loans for nonhomeowners... I'm looking to get a "small" loan but I'm a…
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obtaining 1st loan with masterloan 5.9% apr
Hi, trying to get my first loan with masterloan (part of barclaycard) but just realised need to call them up for the application. Just wondering if anyone can shed some light as with the application process. do they require proof of income. I only have salary of a little above 10k. i am after a 10-15k loan for spending on…
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GEMoney Loan - curious about settlement figures
I'm boinging this thread because I've done more reading on this and can't find any examples of this elsewhere. Also - I didn't say hello - so - hello! The issue: Settlement figure for a loan is much higher than the original amount at 1/4 of the term, far higher than a couple of months' interest, and without PPI. The…
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I am fuming! I can not believe I am having difficultly getting a loan.
I cant believe it, I am 32 years old, income of over over 30k per annum, home owner with equity of 100k and yet loan companies wont give me a loan for £9,000. To put a long story short, back in May last year (2006) I decided it would be a good time to clear my debts so i could buy a house this year. So i decided to sell my…
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RBS loan problem
background: we have a current account with the RBS. we took out a loan for x £'s. we had a crap time with the bank defaulting on payments and charging us into overdrawn status on a regular basis, so we moved accounts to the Alliance & Leicester. we now have a current account with the RBS and the A&L. ALL our direct debits…
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welcome finance
Hi Do not take out a loan with welcome finance. Between 2001 and 2003 we had the most terrible experience you could imagine because of them. take my advice and steer clear.
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full write off
Hi My husband and myself had a secured loan, and to cut a long story short the loan was written off fully, by them in Oct 2005,leaving a balance of zero. We re mortgaged our home in April last year and agreed to settle the loan with this company by giving them £5000, which we did,as we didnt know anything about it having…
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Loan company for a tenant with bad credit history
Hi, I am 20 years old, live with my parents and currently have a bad credit history, I am looking for a loan of about £5000 to clear my credit cards and have a little extra cash. The only options I seem to be able to find are stupid brokers, who by looking at other forums are a waste of time and money. Does anyone know of…
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Loans to consolidate debts when you owe less than the usal candidates?
I was stupid a few years ago and i've got into what I consider a large amount of debt. I have four credit cards: 1 - £550 2 - £400 3 - £460 4 - £300 I have two store cards: 1 - £600 2 - £400 I also have 1 Loan which ends in September and takes £69 a month from me. Now as I see it the loan I should just leave to run its…
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HP or Personal Loan
Hi. I am about to purchase a (nearly) new car. The cheapest personal loan I can find is cheaper than the HP offer from the dealership, because there are no first or final charges. Despite the difference, which is a few pounds per month, are there advantages in going for the HP offer instead of the cheaper personal loan.…
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Claiming early settlement charges on Loans
Hi, can anyone tell me if you can claim back early settlement charges on loans please. I settled with Clydesdale and the settlement charges where stupid. Thanks
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Kiva - loans which change lives
www.kiva.org OK, so this is an investment which doesn't give a good monetary return, but I'm excited about it cos it means I can put small amounts of my money out of temptation's way for a while AND help someone at the same time. It's simple and effective - Kiva enable you to loan your money (as little as $25 - currently…
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URGENT loan needed! Please Help!
Hi, I need your advice I am 20 years old, 8 months ago I moved in with my boyfriend and his family 300 miles away from where I have lived all my life. We brought a static caravan to live in about 5 months ago which my brother got the loan for as I hadn't been with my current company that long (due to the move). Myself and…
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Land Of Leather - Creation Finance Problem
Hi All I am having a problem with Creation / Land of leather. I bought a couch on 16th April 2006 with 1 years interest free and no payment for a year. I tried to call up creation on Monday 16 April 2007 to settle my bill. I tried call the first time and after 4 minutes on the phone, the line went dead. I tried 3 more time…
