-
Need personal Loan - Good Income, bad credit rating
I badly need a personal loan. I have applied with Nationwide, approved in principle but refused after submission of requested documents - I bank with them though but ,My wages go the cooperative bank and I use Nationwide for all my bills: the turnover is high though. Please advise which company or bank would consider…
-
advice please
hi all after abit of advice my oh owes £1500 on his overdraft he went and spoke to the bank to reduce his debt, he asked for a freeze to be put on the account until he has paid it in full but the assitant told him he would be better of getting a loan to pay the od then pay back the loan monthly. is this really the best…
-
Barclaycard Motor Loan early settlement fee
I took out HP with Barclaycard motor loans in March 2006 Amount of credit £6995 cash price £7995 advance payment by me of £1000 total charge for credit £2390 credit facility fee £149 Completion fee £99 Interest £2142.80 Total amount payable £10385.80 I want to pay off the car finance with a loan from my boyfriends savings…
-
Loans or Credit Card?
I'd like to buy a new (to me) car. I want to borrow about £9000, and I don't know whether I should go for a loan or borrow on a credit card. I've never applied for a loan before, so I honestly don't know a thing about it. I have got a credit card with about £1500 on it and unfortunately made a late payment on it last…
-
ADC - Great Conversation
Hi all Just this minute received a call from a company called ADC about an apparant loan I had applied for - I had applied for a loan, but not with them So this is how the conversation goes.. ADC: Is this Mr ... (not even a hello) Me: Yes ADC: It's .... calling from ADC about a loan you applied for Me: Right, where are you…
-
Social Lending/Banking
Hi, has anyone heard of this before? :confused: I have googled it but would like expert opinions/explainations on the subject.
-
Direct Debit - advice please
Hi All Hoping for some advice. I had a loan via Renault, and was paying with Direct debit. Around a year ago I got a letter to say they were rebranding as RCI Financial Services, and that I needed to do nothing. I have just recently received a letter from them to say I haven't made a payment ever since, and they are…
-
should I increase my loan or get a new one?
Hi, I currently have a loan with Barclays with £1400/ 1 year left to pay. I need to borrow £3000. Barclays have offered to top up my existing loan, but the way they explained it sounds like I get an new loan and then pay interest on the interest I owe already. Is this right? Would I be better going for a new loan with…
-
Netcars - Advice Please
Hi All, I'm in some need of advice. My wife has just applied for car finance from netcars with the understanding that they would arrange the finance and we could go and pick a car that we liked from mostly any dealer. So the application gets approved and then the women starts asking my wife what car she wants. My wife…
-
i dont really know wot to do...
Hi there Im new here to bear with me. Im struggling with my money at the moment. I work full time (im on 13000) a year which works out at a about 850 a month. Basically at the mo i have a loan with the AA, which i pay every month at 226. The called me last week to ask if i wanted to top up the loan and i said that would…
-
why has my ppi been refunded to the account
after 5 months of writing letters to Welcome I have at long last recived a reply saying that although they do not agree with my assertions, they have as a gesture of goodwill refunded the full ppi plus interest. however this has been refunded to my account which is the loan is on. Can I get any of this back by cheque. I…
-
Student loans ~having a real problem
Firstly hello all just joined the site Ive come here really to see if I can get any advice on a few matters, but the first is with SLC My husband was at uni till 2001, he pays his student loan the old fashioned way by direct debit as he was at uni before the time when it became compulsory for them to come from wages.…
-
advice needed
Hi all I urgently need some advice about a personal loan I took out. I originally took out a loan many years ago and unfortunately after a year or so found myself unemployed and in major financial difficulty. I contacted the company with which I had a loan and they decided to write-off some interest and reduce the monthly…
-
APR Rates
Can any one help me with regards to Bank APR rates which are advertised? I done my research online using their calculators, and I looked on theire Q & A to understand their term "typical". on this website it states:- Why don't I get the rate that was advertised? Our answer is: Our advertised loan rate is our 'typical' rate…
-
Anyone got a loan?
Is there anyone who managed to get a loan in last months? I've been refused two times despite good salary and rating. just wonder if I wasting my time and attempts :|
-
Advice Needed regarding loan
Hello all Basically about three to four months ago I got a loan to pay off two credit cards a store and some bits and bobs here and there. The amount I got was £2500 from Welcome Finance. The apr is a whopping 63 % but I accepted it because at the time my credit rating was very bad. I'm just thinking whether now that I…
-
Cash in Advance Loan
Cash in advance loans help your to find out you money needs. Cash in advance is also a part of payday loan. Know more about the loan, the procedures to get , the importance of taking the loan and much more.
-
Loan Help Please!
Hello I'm a student, and im 21. Iv just passed my driving test and although my mum and dad are putting £1,000 towards a car, I am going to need another £500-600. I contacted my bank, but as I have a student account they can't give me a loan. I can't use my graduate loan until July when I get my exam results. and I cant…
-
Student Loan - Means tested or not...
Is it correct to say that two high earning parents will get only tuition fee support if they opt for the means tested loan but if they opt out of this they can request the max unmeans tested. My wife and I have a combined income in excess of £80k and we took the non-means tested route and both our sons got around £4.8k…
-
re:loan for car
Hi, I wonder if anyone can help me in 2001 my hubby and I purchased a car from direct car finance, and took out finance from them, which happened to be with the associates, which we now know never take finance from the car company and don't touch the associates with a barge pole. Anyway we soon couldnt afford the…
