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Credit Rating
hi, just wondering if anyone can answer this?? When i lived with close relatives i never had a problem in getting a credit card or loan. i now live with my partner and two young children in our housing association rented house, so obviously we are classed as tenants (unfurnished). i have a PCP agreement for a car with one…
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change of loan and charges
hi can someone tell me I have a secured loan with marlborough loans who have now written to inform me they have now been taken over by ocean finance I am a month and a half in arears over the past year and they have agreed to an extra 50 pounds per month now ocean have written to say for every month I am in arrears they…
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£200 deposit refused to refund.
hi this is a post on behalf of my sister. to cut a long story short she wanted to buy a car for 5k but could only afford if accepted for finance. The company she was buying took a £200 deposit before finding out if the finance was approved. The finance was refused and now they wont give the deposit back. Is there anything…
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Loan Protection Insurance
Is it best to take this out, even if you're only borrowing over say a year.
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Car finance
Hi, This is my first post so if it's in the wrong place or ia a well covered subject please be patient! Firstly let me explain that I've 20 years finance experience working with several different companies covering loans, mortgages and insurance. Anyway, I'm changing my car and looked at 2 options to finance it, both of…
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Bank Loan gone wrong
My mother in law has asked me to type up a letter for her to send to the bank on behalf of her mother who has now been diagnosed with dementia. Her husband died in 2004 and within months she has displaying symptoms now confirmed has dementia. I've found out that she got her self into serious debt and now social services…
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Unsure about Loan, need cash and help!
Hi guys, I currently have £6k left to pay on a loan with Natwest, but i am in a situation now where i need about £1500 as i'm moving houses (renting) so need it for a bond and rent. i'm a bit stuck on what to do as i need the cash asap, i was thinking on getting another loan with barclaycard, about £6300 to pay off my…
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Calculating Loans
Hi there - I've been working on this for ages and can't get anywhere with it. Is there anyway I can work out what principal sum I can borrow, at an APR of 7.3%, over 6 years, resulting in a monthly payment of £440? I've tried messing in Excel but I can't get anywhere with it - so maths experts needed! :beer:
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Nemo Loans
Anyone used or heard of them? My elderly neighbours are keen to borrow against their home and are considering them. Any stories good or bad?????
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Credit checks
I am not sure which bored this should be on so please feel free to move. Basically we found out last week that my husband has a problem with his creidt file, he has a bank account that he does not use and the bank took away his O/D without telling him. The thing is we are finacilly connected and I have asked equaifax to…
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CreditPlus
First post on this board.. Has anybody had experience with CreditPlus? Are they worth dealing with?
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Interest free loan for approx. 1 year?
One of my friends has asked my for some advice, basically he is in the process of surrending a trust fund, which could take up to a year, and is strapped for cash at the moment without a significant regular income. He is looking for around £3k to last him for around 12 months, and would not prefer to pay interest during…
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Pp Loans Minefield Legal Or Not Legal Please Help
HI THERE Just received loan details and forms etc from FirstPlus for a secure loan to use for consolidation. Got two forms - one form stating loan amount and PP Loan amount and interest rate, APR and Brokers fee etc, on the other form states loan amount with no PP Loan APR has gone up by 0.2 % as has broker fees by £500!!!…
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graduate loans
Hi I just graduated from my masters course last month. My family paid for most of my tuition fees on the basis that i would pay them back. I now wanted to get a loan of 3000 to pay them back the fees back and also to fund my driving lessons. I rang my bank - Barclays who gave me a quote of 19.5% APR for a unsecured loan. I…
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Welcome Car Finance
Not sure whether this belongs here as my query isnt really about the loan portion. Anyway, here goes. Bought a 2002 Focus from Welcome Car Finance in Liverpool last Sunday. The car and customer service were fine. We were asked if we wanted PPI and were told it was entirely optional. We didnt take it. However we did take…
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I was ill advised on a loan and really need help! :(
I am a young graduate who back in april was offered my first well paid job (after graduating July 06) and in between jobs needed about £1000 to keep me going (commuting to London and all), I went to the bank one Wednesday as I needed some cash by the following Monday really. I had a student/graduate account and thought it…
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Loan company breaks their own terms
I have a 20 year old daughter who in the 2 years since being able to get credit has gone stupid with it and now finds herself in a complete mess. Amongst other loans she has one with a company that targets the desperate and the APR on this is 60%. A employee of the company changed the direct debit payment date without…
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Problem with Beneficial/HFC - is it legal?
Hi this is my first ever post and I need some help/advice. Around 1999 my OH and myself arranged a consolidation loan with local HFC for £10,000 over 72 payments with PPI. On reading docs the next day I realised they'd worngly sold me PPI as I had to work 16hrs to be eligible and I only worked 14 so I cancelled it…
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Living in UK 1 year and can't get unsecured loan
Hi, I moved to the UK last November and just this month bought a house (mortgage Alliance & Leicester). The house needs £5,000 worth of work I checked out unsecured loans before the sale went through and based on affordability it seemed I would be able to get a loan. (I didn't set up the loan prior to the sale as my…
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Guaranteed business loans on any potentially profitable business idea
Business Loans $50,000 - $500,000 – Profitable Ideas Guaranteed business loans on any potentially profitable business idea: United States and Canadian residents only, Fast & easy processing; hassle free, open to all credit history…bad credit no problem. If you have a good business idea and difficulties with obtaining…
