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Secured Loan - Can I? Should I?
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missing small cash for small car...
I am missing about 1.5k to get myself the decent car that I want... and I'd need to pay cash (private buy) or by cheque at best. Not being English, I still struggle with some terms and terminology about banking. As a result, I don't know what to do to get hold of this money... do i get a loan? a credit card with balance…
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Moneyexpert/unsolicited calls
Hi all, I love this site - spot on what Martin says about people power, and great to see somebody empowering the people to stand up against the greedy and corrupt. However, I did a search for a loan today on moneyexpert (not this site the other one wth the annoyingly similar name;)) - sort of on a whim (after a lifetime of…
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refinancing car loan balloon?
Hi, I bought a car on lease purchase nearly 3 years ago. I just got a letter from the finance company saying that they will take the final payment in August, and the following month will take the balloon amount from my account by direct debit. Seems odd not to be given the option of paying the balloon amount except by…
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Please help need advice - rejected for loan!!
Hi I was applying for a loan from Barclaycard (@6.3 typical apr) for £20,000 and they rejected me!!! I am 23 I have a decent job paying me £32,500 a year and am a homeowner why will they not lend me anything (not even less than £20,000) not a penny? Here is a summary of my finances... Incoming: Approx £2,200 after tax (inc…
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Please help need advice - rejected for loan!!
Hi I was applying for a loan from Barclaycard (@6.3 typical apr) for £20,000 and they rejected me!!! I am 23 I have a decent job paying me £32,500 a year and am a homeowner why will they not lend me anything (not even less than £20,000) not a penny? Here is a summary of my finances... Incoming: Approx £2,200 after tax (inc…
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Possible life changing loan
Greetings, Before I ask a question I'd like to say what a fantastic forum this is. I've spent ages reading through the tears, triumphs, advice etc. A truly invaluable asset to many. Right, here goes. I am looking to change my career completely in order to build a better life for myself. This involves becoming a franchisee…
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How much should I repay my father?
Hi. In March 2001 I was offered some shares in my company for a minimum amount of £5,000. I only had £1,000 at the time but, as I thought it would be an interesting investment, my father said he would invest £4,000. The shares were bought in my name, hoping to be able to sell them for a better price after 3-5 years once…
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Wentworth Finance,anyone had any dealings with them?
Hi i am posting this on behalf of my mum in law, she applied online for a loan and was sent a letter from a company called Wentworth Finance who accepted her for a £7000 loan, but they have asked her to send £49 upfront to release the forms to fill in. Now with all the scams going on shes not sure if this is standard…
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Loan or use equity?? Help!
Hi All I bet that this has been answered before and I apologize if this is the wrong forum but I can't seem to find any relevent posts (unless I'm looking in the wrong place of course). We've just bought a new bike for about 14k, I also have a few grand of CC debts plus a loan. My loan payment is just about affordable but…
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Success Story
Some time ago I posted a couple of threads on this forum about raising £25k to buy a liveaboard narrowboat and how to go about it. Admittedly I didn't get much of a response (:rolleyes: ) but despite that I wanted to share with everyone my success story. First a recap of where I last left you: For those of you who've not…
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Please Help Loan needed asap
Can someone please help as i cannot cope an longer and i am in tears My relashonship has broken down with my long term partner and i am wanting to return from Northern Ireland back to my family in Scotland. Problem is i owe my EX £2500, I have a bad credit score due to problems in the past and everyone is saying no to a…
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I need 5K quick. Whats the best solution (credit card or Loan)
I really need 5k quick. I've been turned down 2 loans already but one was accepted for 4k. But i need another 5k to finish building my small business. Im scared to try for another loan and im not keen on paying large intrest rates. For what i can gather my Credit profile is ok (avarage id say). Having a credit card seems…
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Advice on what to go for
Hiya Wonder if someone can give me some advice on the following 2 loan options: a. 4-year loan @ 8% APR with rate fixed b. 4-year loan @ NWBR + 2.5% variable rate Guess the second one gives more flexibility, but given the outlook on interest rates, well, it may be a huge gamble. At this point i time, both loans work out…
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buy now, pay later loans
can anybody help? :confused: Are there any good deals on 'buy now pay later' loans? We need a new car now, but cannot afford it until the sale of our house goes through, which could be up to 3 months - far too long!!
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Buy now pay later with Clydesdale Financial Services
I Have one of these buy now pay later deals with Clydesdale Finaancial Services for a Laptop purchase. Could someone explain to me how i go about paying it before the interest free period ends? Also i'm unclear as to whether i will be charged for paying it before the interest free period ends? Any help welcome cheers.
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help wanted on applying cheap interest rate on personal loans
Can anyone help....? I going to buy a car as yet I haven't decided the make or model but the total cost of the car and its insurance £8000 at most. Nearly new car (couple of years old and not done 25,000 or more......:T yippeee. Any advice on getting a loan how I should really go about ... i just been on the moneysaving…
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What's more important?
I think loans are a useful way of obtaining money for items such as cars but they can also cause stress if not planned properly. What do you think is the most important aspect to consider when going for a loan? The total amount of the loan? The term/length of the loan? The amount of interest on the loan? The monthly…
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please look at this
I have 4 “satisfied” defaults on my credit file from 2004, is it true that, Granted by just being there it is not good, but as the defaults gets older it has less and less bad impact on my credit score As underwriters concentrate on how recent credit is run, 0-3years old
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welcome finance
Can anybody give me advise on what to do about the charges welcome finance are charging as they dont seem to listen to me and all their promises are false. i took a £2300 loan out ten years ago ( I have missed 14 months of payments due to unforseen circumstances) In one month the charges where £265 plus interest for un…
