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PPI advice needed urgent please can you help?
Hi HELP ME PLEASE! I need some advice urgently as don't know what to do or where I stand. I have been on Incapacity Benefit since November 2007, it was made long term in January this year (review in November 08). I have 4 Credit Cards all of which I have been keeping up minimum repayments using savings I had put aside for…
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golfish loan settlement figure
14 months left = 4067.14 settlement = 3958.03 doesn't seem like much of a saving to me :undecided original loan was 15k over 60 months @ 6.5%
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Advice anyone?
Hi - We are looking to borrow 15k for a conservatory and to keep monthly pmnts to a minimum, over 15 yrs. Been looking at Firstplus as seem lowest rates - Anyone had any experience with them? We have no debt and this is first time ever borrowed so worried can affect us when it comes to remortgage end of this year. Builders…
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Removing Payment Protection from Loan
I wondered if anyone could offer any advice or help regarding payment protection loans. I have had payment protection for quite some time now and to be honest its not necessary for me. I approached my bank and asked them to remove it and they stated that the only way to remove it would be the take out a new loan for the…
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Pay off a secured loan
Just a query as we have never done this before. We are selling our house but have a secured loan against it. We are not buying straight away after selling and wondered what happens to the loan. Does the lawyer get a statement and pays it and we get the balance? Do we get the money from the lawyer (after fees paid) and pay…
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HELP NEEDED - Loans?!!
Hi all, I currently need a few thousand for debt consolidation, however i am still in the process of finding a job again, is there anything i can do or will i have to find employment first?! Thanks in advance!
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Welcome Finance
To be honest are being idiots, for some reason a few months back my direct debit with them got cancelled. I don't know why apparently it was because i missed a payment! Anyway after 3 unsuccessful attempts at sending back direct debit mandates and all 3 not being processed by there staff, im now paying by card which to be…
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Conditions for Loan approval?
Hi, I was wondering if anyone would advise me on the following matter. I'd applied for a loan of £3000 from my bank, HSBC. After going through the application process, the bank have replied that they can only offer me a loan if I agree to consolidate my credit card, an existing personal loan and overdraft facility with a…
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Paying admin fee's upfront???
Hi, Ive been trying to get a loan and I have a bad credit score so ive been looking online at different adverse lenders. I have been accepted by a company but they want to charge me £150 upfront as an admin fee. The repayment I have been quoted is quite low for someone with my credit score so it smells like a scam straight…
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Please can Someone give us some advise?
Hi, Is there anyone out there who can give me some advice ?? At present we have a mortgage deal with Northern Rock which comes to an end in September and then we go onto variable rate. Our Mortgage is £170,000. Payments go from £743 to £1080 interest only and we have a Tesco personal loan for £10,000 which runs for a…
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Reclaiming PPI question - Secured loan
I've been thinking of trying to claim back the PPI I've paid back on a secured loan. The thing is, it was 6 years ago almost exactly and I really can't remember if I was forced upon me, missold or what. I've looked at my paperwork and it does state the PPI on the credit agreement but says 'optional' beside it. Also, I took…
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Taking out a long on a longer term than I need - advice?
I'm in dire need of a car but I won't be able to afford the high repayments this year while I'm a student. Is it possible to take out a loan for, say, three years, pay the lower monthly payments for a year then, once I've graduated into a proper job next summer, pay the rest off in, ideally, less than a year? What are the…
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Unable to claim PPI??
I took out two loans with Blackhorse one in 2003 and and one in 2004. Both loans had PPI on which were not explained at the time and i was told that if i did not have the PPI it was unlikely i would get the loans. I have since wrote to Blackhorse asking for the PPI back but they have advised me that at the time when i took…
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P2P loans from Zopa
It's been a few years since Zopa (P2P or "social" lending) launched and I was wondering what the current view of them is around here? I know that you need a reasonable credit rating to borrow - but how do the rates stack up in comparison these days? I'm a "lender" to Zopa and wonder if they're now finally due a spot of…
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Loan Early Repayment Advice
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Advice for someeone under 25
My boyfriend currently has a loan at around 14.9%! He's never reallly had credit problems only a sily mobile company that applied a default to him and then removed it(well put a comment on his credit file). I believe he will be able to get a much better rate as he has been in a stable job for around 3 years, has plenty of…
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Bank have taken full un secured loan from deceased' and closed a/c
Hello Unfortunately my dad passed away last month 1st June. He left a will of which all his estate is passed to my mother. His two sons (me and my brother) are executers to the estate. We have been advised that no probate will be needed as there is a will. The bank account (lloyds tsb) was in my fathers name, and he had an…
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School Loans
My school loans are now in repayment: My interest is pretyy low...2.25%.....and drops to 1.75% if i pay on time for 3 years. I can pay either 500 bucks a month for 30 years, or 800 bucks a month for 15 years. Now my question: Should I pay the minimum payment, or the higher payment. People tell me that since the interest…
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Credit Report - CDL Loan - Me
Hi Guys, I am currently about to apply for a Career Development Loan for 8k to finance my further education. :beer: However I am a bit worried, Over the past 6 years I have had numerous addresses due to being a student. I was wondering if this will make me look like a liability? But, nearly 95% of all my Bank Statements,…
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Getting a loan on low income, living abroad
Hi All, I am hoping that someone can help - apologies if this should be posted in the travel pages. I am actually posting on behalf of my partner who is not quite a mse addict as me! He is currently living in the states for a year, on a pilot training course. He is on a very low income (12k a year) to cover living expenses…
