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Secured loan help required
Hello, We have got a mortgage on a shared ownership basis with a housing association, so basically our house cost £150,000 and we payed £75,000 for it. The mortgage we took out and still have outstanding is £72,500. We recently had the house valued and it hasn't changed by much either. We have our mortgage with the…
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loan trouble
ok 9 months ago i bought a tv for 999 from currys on buy now pay 9 months later, now the time has come i have 3 choices. i can continue to pay it off at £30 a month and have over £300 in intrest charges i can pay off the £700 remaining or i thought as i had a loan from the same company (benifical finance) they could put…
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Loan seeker with Shared Ownership
I am a shared ownership home owner trying to search for a loan. I have 40% share in my property with a mortgage. It is proving somewhat difficult to find a lender to help me without the APR shooting through the roof! Can anyone suggest a competitive lender? Many thanks
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Bad Credit (all debts paid now), Great Salary but can't move forward - HELP!
Hi Guys I'm in a horrible position. I have an absolutely shocking credit history from years gone by being utterly stupid with money. I have now repaid all of my debts and have spent the last year being very careful with money, however, there is no way for me to move forward. I have a fantastic job with a really great…
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Transfer Egg Loan + Virgin Credit Balance to cheap alternative
Hi, Ive got a total debt of £18,484.03 with the following breakdown :eek: : * Egg Loan interest rate 7.66% pa end date 01 November 2013 = £14,920.82 * Virgin credit card interest free till Nov 2008= £3,706.63 I currently pay on egg loan payments of £287 per month and around £50 per month on the credit card. I am thinking…
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Outstanding personal loan - advice
Hi All, I have been trying to get up to speed and read all of the information available on MSE to improve my finances, but thought I would post on here to see if anyone can offer some advice. Due to a number of car purchases over the years, I have been left with an oustanding personal loan of approximately £5k, but with no…
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PPi problem
I was made redundant in March this year when The company i worked for went into administartion. I have payment protection insurance in case of redundancy or unemployment. With back to day one cover. I could not claim until after 30days of being made redunadant. After applying for a claim form it took 4 phone calls and a…
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My Car Loan
Hi, Last May I took a loan out with Park Motor Finance to pay for a car I wanted. 1 year on into a 4 year deal I am really struggling to afford to pay for the car with diesel constantly rising and the endless bills for new exhausts, etc. What sort of options are available for someone so stupid like myself, I obviously…
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I've never had credit, they won't touch me.
I'm a 27 year old guy who has never had cause to get my own credit card or loan. I've always been on a low income and have always made do with what I have. Now I want a loan to buy a good reliable car so that I don't need to worry about buying a new one every time the MOT runs out but no company will touch me. My credit…
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Bank Over drafts
Hi , The other half was just telling me about banks sending out letters about cutting your free over draft limits on your accounts, can be very drastic!! I have a £4000 free over draft on my account, now he has suggested that we take out the overdraft to the limit and put it into another account that will earn interest,…
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Mis-sold my student loan!
My apologies if this has been posted before, i have searched but not found anything. Has anyone tried suing the SLC over mis-selling loans? Due to the level of my pay, even as a graduate, since the rise in interest rate i now pay back 50% of what my interest is per year.. This is surely completely backwards...how can they…
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Student Loan never been collected
This is possibly going to sound silly, and I'm afraid it is - however, I shall describe the position I'm in, and see what you make of it. I went to uni in 98-01, and had a student loan as part of this for the first 2 academic years of the three year course. When I graduated I was not earning enough to start paying it back…
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Credit in a new house (letting)
Hi all, Myself and my girlfriend have just moved house (from living with our parents to renting ourselves). We are looking to get a TV on finance, my girlfriend has an excellent credit rating but could she still be declined after moving into a new house due to her credit history not being held there? We're clueless about…
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Getting money back from Friend!
Hi just wondered if anyone would have any advice on this for me. Me and my husband lent a friend (who at the time my husband was in partnership with) £17k this was to be used to buy a pub! We signed contracts etc and had an agreement that he would pay us £500 back a month, we had the first 2 payments and since then my…
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Help - loan or credit card
Hi My situation CC 1 - £3750 interest free til Feb 2009 CC 2 - £1500 interest free til May 2009 CC 3 - £2000 gaining interest now CC 4 - £1400 gaining interest now Bank overdraft x2 about £3000 My take home pay is about £1000 after tax etc and I want to be COMMITED to paying off around £200 a month from my wages to pay…
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Ppi
I had a loan from Lloyds Tsb for £25,000 in September 2005. I was quite happy paying the loan payments, then they started to be more every month, I assume that this is due to the insurance. I was unaware that I had insurance really, but I obviously did sign for it at the time. I have since had to get a copy of the details…
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Nemo loan
Hi, just a quick question. Has anyone had any dealings with Nemo? we are thinking about taking out a loan with them. If we took out the loan we would be able to come out of this black whole we are in. They have quoted us 7.66% with an apr of 8.9%. Firstly I dont understand that. I thought the 7.66 would be for the life of…
