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Barclays
My other half is consolidating his finances and is taking a loan of £8500 with Barclays over 3 years. They have told him he cant take it over 3 years and must take it over 4 years. Can they do this?
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Secured Loans
I currently have a secured loan on my house which i got 2 years ago for a car loan, what happens if i now want to sell my house? Do i need the lenders approval to sell or do i have to pay off the loan before i can sell the house? Any advice would be greatly received.
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Apr 183.2 % !!
Got a flyer through the door from Provident Personal Credit. No idea why as my credit rating is fine and I already have numerous mainstream cards etc. First thing that shocked me was the 183.2 % APR rate which I never even thought possible to be honest! However, the example they give is confusing me as the figures don't…
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Loan application forms
I want to apply for a loan to consolidate debts. When they ask what credit cards, loans, finance etc that I already have, do I need to fill in everything that I have, or just what I want to consolidate? I have tried some of the on-line calculators and some clearly wont lend me anything if I enter all my out-goings, but I…
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Typical APR
I am getting a little annoyed with companies advertising a "Typical APR" then offering a loan with a higher rate. Barclaycard and ASDA have both tried to pull that one on me. I am going the loan route to try and manage my finances a little better - currently I have a big overdraft and occasionally hit the limit and get…
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Student Loans and Inflation...
Hi there, I read the helpful article on should I pay off my loans. I dont earn quite enought to have to start paying them off after 9 YEARS! (pretty sad!, lol). This is partly due to running my own small business which does not bring in a sizeable income so far and investing earnings into it as well. I owe about 6K.…
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Student Loan - left university, heard nothing more!
Has anyone else experienced this - my boyfriend left university 6 years ago having started in 1998. He borrowed about 8k from SLC and has literally never heard from them since he left - they have his parent's address and have never contacted him there either. He earns 40k so whatever the system he was under (he can't…
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Citifinancial - closed to new business?
Weird story... I have a loan with Citifinancial (I know I know! Needed urgent work done to house, got a default I'm fighting at the moment and they gave me the best deal) I needed a bit more money to pay for even more work in the house (all caused by previous owners building patio too high which resulted in damp over all…
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Help & Advice needed on letter from collection agency
I have been viewing this site for months & have now found that I need advice on something - I am a newbie so please be gentle and apologies if I have posted in wrong place. In 2001 I took out a loan with HFC (now known as household bank I believe) for around £5000, I was having payment difficulties after having my hours at…
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yes loans
Hi all I've just received an email from the above loan company offering loans with a typical apr of 48%!!!!!!! Surely in the present climate this isn't ethical, what are your thoughts xx
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Amberloan/Cabot problems
A couple of years ago I took out an unsecured personal loan from Amberloan (Part of Skipton Building Society, apparently) and late last year was told that Amberloan were no longer dealing in unsecured loans and that the debt had been sold on to Cabot Financial UK, who are, by all accounts, a debt collection agency. I'm not…
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Student loans help
Hi, I'm new on this forum, so bare with me, I have just recieved my first student loan statement, and have noticed I have payed around £500 interest since I finished at Uni. I wasn't aware that interest applied on a student loan. Anyway I currently owe around £10,700, I earn £16,500, so am paying off £11 per month, which…
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Loan with poor credit rating...
Me and my OH are looking for a loan. We are moving house in less than a months time from a furnished house to an un-furnished house. So we need furniture and appliences etc etc. My OH is applying for the loan, even though we both have poor credit scores. I already have a loan with Halifax which I pay every month and have…
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Problems with 'buy now pay later' deal
I took out a BNPL deal last year which gave me 12 months free credit and then the usual horrendous interest rates which obviously I don't intend to pay. However, having just looked at the final date for my interest free period I'm left with an issue - Basically this period ends at the end of August this year. Looking at my…
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Early settlement question
Hi, I have been offered a loan by A & L which I am going to use for a new conservatory, decorating, etc. Now I maybe in a position to overpay this within around 3-6 months but before accepting the loan I want to understand how much early repayment will cost me. The loan is for £15,000 over 5 years and the rate offered is…
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Loans in UK & going overseas permanently.
Hi thereDoes anyone know what happens if you leave if the UK and have outstanding debts (loan & credit card) and if you dont repay them, can the UK bank contact a debt collector in the country you are in to reprocess items? Does anyone know what happens?No not something Im planning on doing but just wondering what if…
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Ridiculous interest rates
I don't need a loan at the moment, but I just saw an advert advertising them at... 437.4% typical APR! :eek: http://www.simplefastloans.co.uk/ Now, I'm not particularly clued up on financial matters, but surely that's just obscene!!! Is this even in the realms of normality; have I led a life sheltered from these crazy…
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Can I sell with a secured negative equity loan?
I have a secured loan of £18,000 This takes me over my property valuation by £10,000 Due to debt problems I would like to sell but would the loan company allow me to do that, as obviously they wouldt get all their loan back from the sale, they would be owed about £6000? Also, why are loan companies allowed to provide loans…
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Which searches count?
Hi, I have just looked at my credit score after managing to get it up to a fairly good score of 930 (Was 709). I applied for a loan and was worrying a little and thought I would reassure myself by checking my new and good credit score. Looks like I was wrong. William hill ad various bookmakers have been searching my credit…
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Is Secure Loan The Only Option?
Hi all, As a 'newbie' I could really appreciate some advice here. To give the current situation some context my wife and I currently have around £25k of debt that we want to consolidate - credit/store cards, overdraft and loan. The primary problem we're encountering is that when I was working abroad I bought a flat in the…
