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A little help needed, trying to understand something.
Hello everyone I am a little confused and would like if possible someone to explain something to me. Take a of £10 000 at 10% over five years. The total repayment is 12720 according to the table. What I want to know is where am I going wrong. When I try to work out the total interest on the loan I get a differing answer to…
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Creation Finance
Last year, I bought some furniture on a one year interest free agreement. At the time I was given a copy of the agreement which staes that I can pay either by cheque, postal order or bankers draft by post or by credit or debit card over the phone. I have just tried to pay by credit card (not least for the extra protection)…
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Need to borrow £8k with dodgy credit score
I’m sorry if I ramble on here but I want to get as much info in so that some money genius out there may offer some advice! My husband and I recently married and we both have individual debts. I have a loan which I am 2 years into and 2 years to go (at 6.7%), which I pay £95 a month on. I also have one credit card at £1000…
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Very confused about excessive loan amount charge, help please
Hi guys, hope you are all well? I have a question that if anyone can help with I would be really grateful. I took out a secured loan a five years and I am now selling my house so have requested a settlement figure, this is where my confusion begins. The original loan was for £32,000 with PPI (yes I know) took it to £37,000…
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Help, i'm confused, I have cancelled PPI BUT my payment are weird or are they
:confused: hi I took out a loan in 21/03/03 loan amout £8500 with interest £13307.28 84 x monthly payments OF £158.42 INSURANCE DETAILS AMOUNT £2556.38 INTERSET £1445.38 TOTAL PAYABLE £4001.76 APR 13.9% TOTAL AMOUNT A SHOCKING £17309.04 84 X £206.06 In june this year I cancelled my ppi and this is what my letter from the…
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Broker Misrepresentation
Can I ask for some views on this. Walker Hammond sent me a letter saying that I had acceptance in principle for a loan. I had to pay a fee in advance as according ot their literature they do not receive a fee from lenders. To cut a long story short I eventually got offered a loan for less than the amount that I had been…
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Loan Cancellation - Urgent
Need some advice...Is there a legal minimum time to cancel a loan? I had work carried out by a company who are now getting dodgy over voucher incentives and I have signed up for a loan as of 30 Oct through the company, the small print on the loan agreement says 5 days but would I be right in saying that I have 14 days??…
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Permission to credit check-WARNING!
Copied from an other site: i singed up to a website which stated on their home page that 'their team of professionals will find me a loan quote'. not having time to search for quotes myself, i presumed this brokers service would suit me. It states that their dedicated team of professionals will search their list of clients…
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You know the credit score! hardcore!
Does anyone know the minimum requirements for a business loan? The reason I am asking is because I applied for some credit cards over 6yrs ago but got refused. And would the critieria for a credit card application diffeer from a business loan application today? I have mentioned also in future replies to this thread some…
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p.p.i
Hi All, First time on here so go easy. Like everyone else got into bad debts. In a payment plan with payplan at the moment but one bank / lender is putting a charge on my house. The question is had a loan with them repaid down to £3,533.98 toped up by £3,o66.02 add on £1,308.11 total £7,908.11 over 84 months = £16,770.60…
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Which is the best loan for me?
Hi, I just wanted some advice? I have just started my new job this week and will be on a starting salary of £16,500. I have been informed that after 8 weeks I will need to travel to the companies other offices so will need to buy a car within the next two months. As I live at home my total monthly expenses will be no more…
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who does the best income protection insurance ?
i currently have 2 loans with PPI and 1 credit card with no PPI.i'm looking to reclaim my insurance money and cancel my insurance but i want to know the best income protection insurance supplier. thanks
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Secured Loan Settlement Figure
In June 2006 we applied to our lender, Halifax for a Further Advance on our mortgage. They said that as the lending would run a few months into hubby's retirement they couldn't do a Further Advance but could offer a Secured Loan for same rate over remaining term which was 20 years. So we borrowerd £12,800 with a £299 admin…
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Can I claim Halifax PPI ?
I have recently checked my PPI on my Halifax loan which was taken out in joint names to discover that only one of us is covered. This of course would be useless if the other person was made redundant or had health issues. At the time of taking out the loan we cannot remember ever being told that this was the case or even…
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Can my debt be sold?
Hi all, I'v had a loan which I defaulted on some months ago. To cut a long story short we'd agreed to pay it back @ £200 a month but I lost my job and couldn't manage more than £40. They [HSBC] refused to listen and passed us onto the recovery department. Since then we have been making the agreed payments with them and…
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Log Book Loan Charges
Hiya, we have just finished paying for a log book loan they are now saying that we have paid off the load but there are still £300.00 worth of charges to pay, they have charged £12.00 for every letter they have sent for late payment and also £12.00 for every telephone call they have made to us asking for payment. can they…
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why rejected?
Hi everyone I could do with some advice please, my fiance has a perfect credit rating, unlike me who has less than desirable but will all be dropping off my file in 2008. Anyway, cus of this we have any necessary vredit in his name, mortgage and a small loan. Now we have decided its time to get married and are looking for…
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Loan Advice
Hi, I have overdrafts with about 6k in total from various banks, i want to consolidate this into one bank/loan/card so i dont have to worry about these other banks. I though about getting a loan and paying the overdrafts off but would a graduate account be better or a personal loan? im not sure where my credit rating lies…
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ppi reclaim
i am currently trying to reclaim back the ppi on my barclay loan and they have said the apr might increase due to the loan becoming un secured im sure this must be wrong as this is as good as saying take out ppi or pay more ? discuss
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I Said NOO! to PPI
Hi all, I got a loan today for 3300k over 3 years, I said no to the payment protection which would have added £27 per month onto the repayments. I would like to protect myself but is there any companies which offer this as i think the price the banks charge is a rip off. Any advice welcome please? Jenni
