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Car Finance - Bad Credit
Good evening, Please would anybody be able to help me with a query? I currently have a company car but I might be changing jobs in the near future. If I do proceed with this job I will only get a car allowance, there isnt a company car policy. I have a bad credit history, no CCJ's but recent defaults (mainly due to a…
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Bank error in my favour - pressure to repay
Hi, My better half incorrectly got paid twice last year by her previous employer. She of course blew the lot thinking they would never ask for it back - I know, I know.......I've told her!!! Initially, they worked out some terms and she was paying back £100 or £200 per month. The total amount was about £1,500 and there is…
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Advice Urgently Req'd On Loan And Ppi Problem
I need some help for my boyfriend He took out a graduate loan in oct 2006 and took out a ppi (for once actually sold to him properly!) incase he had any trouble abroad or trouble getting work when he got bk Last summer I helped him with his finances and suggested getting rid of his PPI as he was paying through the nose for…
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Finance and Credit!
I'm thinking of buying a new car but I am worried that I will get refused for credit as my credit rating is poor! I wanted to find out if anyone else has purchased from Honda on fiance with a poor credit and if they have been accepted? I can definately afford one now but am suffering from bad descions in the past! Ihave…
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PPI Help
Hi there, don't know if this is the right place to post but hope one of you can possibly help me. I took out a loan with Welcome Finance for £2900, they asked me questions about my job and benefits that I had like pension, life insurance etc. I filled in the forms and everything went through. I received all my paperwork…
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consolidate ?
Hi everyone,we have been offered a consolidation loan from our bank. At the moment our mortgage finishes on 2012 and if we accept the offer to consolidate our 2 credit cards,our mortgage and our existing loan .Of all these only our mortgage is secured on our home. Also if we accept it would be 2016 before it was paid…
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Unsigned credit agreement
Hello everyone A few weeks ago I received a credit agreement letter which was detailing the repayment of a loan for a home insurance policy. This letter quoted a loan amount that was much higher than the price of the home insurance. I therefore did not sign the agreement and called the insurers. The insurers are still…
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Giving car back to finance company, but we still have to pay charges put onto account
Is there any way we can claim the late payment charges back on our car finance loan, we have decided to give the car back now which we can do but we will still owe the company £300 and if we want them to pick up the car then it will cost us another £65 we dont have any arrears and have not missed any payments, can we claim…
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Loan and/or Credit card for New Car?
I have stupidly fallen in love with a car that I shouldn't have even looked at and it is around £4k, I have about half of that already, so decided to have a look at my options at loans, then thought it might be better to get a credit card with 0% interest for a certain time. I only need to borrow around £2k so interest on…
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Right of Settlement
I'm behind on an Abbey National loan, they have now taken £484 from another account (which was part of my rent money) without consulting me, asking my persmission or telling me that this was going to happen. It happened on the 1st July, my rent will have been request on 6th or 7th, which will probably make me overdrawn and…
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Paying off debts and buying a car with a loan
Hi I am considering getting a loan to pay off my credit card debts and buying a £2400 car privately. I have got £1000 on Capital One and £1800 on Barclaycard, I'm repaying about £200 a month, but I've only been able to make minimum repayments. I'm self employed and haven't got a good credit rating. I'm looking for…
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Loan Advice Needed Please!!!
Hi there! I've unfortuanltey got myself in about 6K of debt :eek: - £3700 overdraft and £2300 on Credit Card. Would consolidating them both by getting a loan and paying it off over the next few years be the best thing to do? If so what are the best loans to go for? Many thanks.
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Most cost efficient way to raise money for home improvements?
Hi everyone - I want to raise £5,000 for home improvements and I am getting totally confused about the best way in which to do this! Can anyone help....? Factors to consider:- 1. The builder is a sole trader & therefore isn't able to take payment by c/card so applying for a 0% card is not appropriate. 2. I have scoured the…
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urgent help re credit score
Please can anyone help me, since my husband died I have managed to pay all my credit payments including mortgage on time and in full even though I have had to use a lot of my capital which is now nearly gone. I have about £20k debt but that includes my car etc. I have tried to organise my debt better and move them to…
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NR Together Loan
Eveinf All, I recently redeemed my NR Together mortgage, and am now left with the unsecured part. I want to use the equity I managed to get from the sale of my house to pay of some of the remaining loan. Just wondering if NR recalculate the monthly payment if you pay off lump sums? I need to tighten the belt so to speak…
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How unsecured is an unsecured loan?
My 79 year old father took out an unsecured loan last year for £20,000. I have only just found out. :mad: He now can't afford the repayments. He thinks his house is safe. Does anybody know what the bank is entitled to do and what if he owned no property?
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Can you seperate a joint loan?
My husband and I have recently split up. We are in a fair bit of debt. We hold a joint loan of £20K with Alliance and Leicester, which we haven't been able to pay in full for the last two months. A & L say that they don't have any obligation to split the loan so I am soley responsible for half and my husband for the other…
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Loan or credit card?
Hello, I am looking for a loan of £1500-2000. I have tried with Royal Bank of Scotland, but they have very high interest rates. I don't have the best credit rating, so i doubt I would pass for a credit card, but I know there are some companies out there which will accept my loan application. Does anyone have any…
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HELP - Finance Company Sold Loan - Don't know how to proceed
My husband had a loan many years ago which was defaulted. He made a payment of £9,000 toward the loan and then set an agreement to pay of £20 pcm. This situation continued for him for about 5 years. When he and I got together we decided to pay off some loans and got a settlement figure from the finance company - Paragon.…
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first plus stops lending
http://news.bbc.co.uk/1/hi/wales/7495511.stm http://www.telegraph.co.uk/money/main.jhtml?xml=/money/2008/07/08/bcnbarclays1.xml http://uk.reuters.com/article/rbssFinancialServicesAndRealEstateNews/idUKL0852312120080708
