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Advice on Rule of 78
Morning peeps! Something that has been bugging me for a while now is the letter that I had sent from Natwest regarding my unsecured personal loan. When I cancelled my PPI (£78 per £300??!) it was outside of the 28 days, so I was lucky after being too lazy to cancel properly but I'm going to be paying interest on the PPI…
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NEMO personal finance
Hi Everyone, haven't posted for ages cos just been trying to muddle through but can't go on like this anymore. I'm thinking about taking out a secured loan of 25K @ 8.9% with NEMO personal finance has anyone had any dealings with them good or bad??
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CCCS Payment Break
My sister has agin come to me for help on her finances :confused: About 2 years ago we set her up a payment plan with cccs she pays them £380 a month. Her next payment is due on 01/05/07 however due to illness from work her wages are not going to be what they normally are. She has asked me if I can loan her the £380 for…
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Raising Funds: Loan+Loan or Loan+Credit Cards?
Hello, I'm currently trying to raise funds to buy a narrowboat. I need £25k but have been turned down by Egg Loans and Eskimo Loans just last week.:confused: As a last resort I phoned my bank (HSBC) who have conditionally offered me most of the money (as my overdraft and flexiloan are also with them they've had to deduct…
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PPI on Lloyds TSB Loan
Hi all I have had a loan with Lloyds TSB since Dec 2004, I signed up for the loan via my internet banking and knowingly agreed to payment protection insurance, I stupidly didnt look at the figures but have recently noticed the PPI represents around £1200 plus interest of the loan amount. The PPI cover is relevant for me…
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Apr
I have applied for a personal loan of £3000, It has been approved but at a 16.9%APR is this high as I have never had a personal loan before?
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Please Advise
I need a personal loan of 3000, I applied to northern rock but they turned me down so I applied to my credit card company Virgin, and they have approved a 3000 loan but at a APR 16.9%, which means I will be paying about 900 on top over 3 years, my credit rating is fair, so do I take the loan or try somewhere else
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Urgent - please advise ASAP.... wrong APR offer
Sorry, rushing to type this in my 10 minute break. I applied for an online advertised "Northern Rock" 6.4% APR loan of £7,000 over 7 years. Finally got an acceptance letter when I came home this dinner, offering me a 7.4% APR rate :( I know it's only a few extra pounds to pay out each month but nowhere did it say on the…
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Advice Needed On Personal Loan
Hello There Im A 'money Saving Newbie' And Be Grateful For Any Infomation On The Following Problem I Have: In 2006 I Finished Paying Off A Loan Of £5000 For 5 Years. I Couldnt Always Pay My Monthly Payments On Time So I Incurred Interest Charges And £15 For Every Letter They Sent Me (which I Thought Was Scandalous As I…
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Court Action - Paragon Personal Finance
Hi Can anyone help - offer advice i originally took out a lone in 1999 for £10,000 with Paragon shortly after i became umemployed and repayments were reduced to £20 per month and we were told that the interest would be frozen. We continued to pay £20 for a period of 5 years without missing a payment at which time Paragon…
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Refinancing Lloyds TSB Loans
Hey guys, can anyone help me on this? I've been offered this as an option by Lloyds, but I'm not 100% sure what it means. Someone told me it will get your payments reduced each month? Could somebody help me, please? Thanks. Lazy Jane x
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Payment Protection on a Loan - NEED HELP!!
Hi 1st time i've asked for some help from you guys out there so here goes Changed banks in Feb 07 and also took out a loan of £13,700 to pay off loan in our previous bank (hubby been a student for 2 years!) anyway we took out this loan in Feb with payment protection at 7% APR and now would like to cancel the the payment…
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Need a small personal loan quicky, but...income problems!
Hello all, I found this forum recently while searching on information on loans. I will outline my problem/s below so it's easier for people to understand my concerns/problems. I'm a 56 year old woman, seperated from my husband for many years. He is a con artist and has done a runner from all sorts of companies. I get mail…
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Advice Please
My niece has just split up with her Boyfriend (2 weeks ago). In October he paid £560 to pay a loan . When they split up ,she asked him for Bank details to pay monthly .He didn't supply them but ,this morning she got a Small Claims court letter saying that he wants her to pay the £560 off in 5 months . Her Income a week is…
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£20000 Loan - Under 21
Who can offer a £20000 loan for a 20 year old, I have noticed the majority are for 21/23 or over.
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best way to raise money for ben interest during brupcy
hello to all, husband has just gone bankrupt, house in joint names and husbands ben interest is approx 10,000 plus a charging order of 5500, ex council property. other houses for sale at 95,000 to 110,000 not necessarily selling. On 192.com last sale was last year for 86,000. At ORs interview he was told someone could…
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cancel PPI on an existing loan
Hi all, About 3-4 years ago I took out a fair sized bank loan to run for 7 years. I called them a month or so ago to get a settlement figure to find out how I am doing, and was shocked to find that I had been paying Payment Protection Insurance as part of the loan! I would never take out PPI ordinarily and so I want to…
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Northern Rock paperwork delay
Application made on-line to Northern Rock for an unsecured loan on 28th March; have still to receive paperwork through the post. Have spoken to NR on a number of occasions who continue to insist the paperwork is on it's way and has been delayed due to dealing with a large volume of applications at the mo. Has anyone else…
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Discharge fee, settlement fee etc.
I've just had a settlement figure through from a secured loan I have with GE Money, and they are charging £200 for a discharge of security fee, and £95 as an early settlement fee. Just out of interest, are either of these challengeable as being unlafully disproportionate?
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loan protection cover
I've been offered a loan and was told that the loan protection cover would be good idea. got the paperwork this morning and realised my repayments include £30 worth of protection!! can i ring them up and say i don't want the protect cover but would like to use the £30 to pay off the actual loan? I'm new to all this finance…
