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Paying Loan off early?
I took out a loan of £9000 at 6.4% with out intrest just the payments I have made I owe £7986.62 I only pay £200 a month. I have now sorted out my finances and I have a £3000 in savings at 6.5% also as from end of this month I will have an extra £1000 a month do I carry on saving or just pay everything off loan. By the way…
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Confused and need help please
Hi all, im in a predicament and am confused to which option i can take. I currently have an HSBC Flexiloan which i owe £3000 and a HSBC Credit card which i owe £1000. I applyed for a loan from Money back bank for £5000, which was advertised at Apr 7.8%, but when i was accepted it changed to Apr 11% which i found odd due to…
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Help Needed Please!
Hey Guys, I'm in a bit of a predicament at the moment, wonderign if anyone can help? I recently had an operation which put me out of work for 2 months, meaning I had no income as i didn't get company sick pay. This has left me really struggling! I have 2 holidays to come in August and I have nothing to my name for spending…
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Abbey loan referred to underwriters...
...should I be worried? Apols for the long post. My husband and I applied for a joint unsecured Abbey loan last week of £25k to finish renovating our house. I have an existing loan with them which was for £11300 and which I have nearly paid back so we also consolidated the final £2k of this into the £25k. Our application…
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student loans
Hi everyone hope u all been enjoying the weather like me:D Anyway my question today is how and where do i go to get a student loan for this years start of term when the holidays are finished. I've googled how to get a loan but all the links are confusing:confused: . Could somebody please point me in the wright direction!
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Any gains to be had in refinancing my loan?
I took out a 7% consolidation loan with Natwest around this time last year for £22K - to be paid over 5 years. Pay £374 a month on it + whatever I can afford, and after getting rid of the payment insurance on it, I now owe £13K. Can afford £500 a month on it and spurred on by fact that at that rate I can pay it off in 26…
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Am I likely to get an Egg loan?
My credit file is showing a couple of missed payments just under 3 years ago...and a default on a loan (settled almost immediately) about a year and a half ago. Moneysupermarket say my 'rating' is good. Am I likely to be refused by Egg because of the above? Cheers.
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Issue with a Barclay Loan
Hi everyone, first post here, would appreciate some advice. My partner and I took out a loan with Barclays for £13,000 over five years. We went into one of thier branches and talked to an advisor. She offered us the loan at a rate of 7.9% which we accepted. With full PPI this gave us monthly repayments of £316:00. We…
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poor credit, need loan
Hi all. I need a loan but my credit rating is poor. is there anywhere i can get a loan with out paying a fee and with apr below 25% ?????? :confused: need to borrow 2k for new car. employed, over 30 yrs old.
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Got an IVA but need a loan
I need a new car as my car is on its last legs. I want to spend approx. £5000 as the car I drive (which I got cheap because it was all I could afford) has cost me a fortune in repairs. Now when I took out my IVA I was told I would be able to get credit but it would need to be secured. Has anyone had a secured loan since…
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Lease Purchase Early Termination advice
Hi all, i am new here and hope that i can be given some clear advice as to what to do about my lease purchase agreement on my car. I took out a 4 year lease which has a balloon payment at the end and i am beginning to regret the choosing the vehcile i did given the current prices for fuel, road tax & insurance. I am only 7…
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Help with First Plus
Hi In 2006 i took out a secured loan with First Plus, the loan amount was £35,000, they also sold me payment protection which i was on the understanding that this cost me £69.07 per month, after 5 years i was told i could claim back £6975. I want to cancel the payment protection and have called them to request doing this,…
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Help
Hi all Im hoping someone can give me some advice: I have a mortgage for 98K A loan for £4650 (settlement fee) which costs me £148 a month I recently applied and was accepted for a £7500 over 60 months with a repayment of £180 a month. I received the cheque yesterday and im not sure whether to cash it! If i cancel it will…
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Loan Insurance
hello, about 2 years ago i payed off a loan about halfway through its term. i had ppi with it so am i entitled to a partial refund on my ppi? thankyou
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Creditors long term memory?
If you've previously had poor credit including a CCJ and defaults but over six years ago and all have been removed from your credit record do new possible creditors know? I understand if they keep records that go back that far they will but can they find out any other way, do they have people blacklisted as customers…
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Bank loan transfer to 0% CC
As my bank won't let me pay back some of the £4000 I owe them and increase my payment to try and get rid of this debt sooner, and the only option is if I pay off in full. I was think of borrowing money from a 0% CC like Virgin or A&L. I have about £2000 I could pay of some with and then I could borrow the remainder on CC.…
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Cabot Finance.
Hello. Quite a while ago i got into financial trouble with HSBC and my debt was passed onto Cabot. I have been reading recently that it is illegal for these guys to be chasing you for debt if they can't produce a copy of your signed agreement. I have been paying them regulary and haven't until now realised there may be a…
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Guarantor on car finance help!!
Hi All A female friend of mine is guarantor on her ex partners car - he is causing her hassle by saying he will stop making payments if she gets with anyone else (not me by the way - i'm happily married). Is there a way she can get out of the agreement as they are no longer together?? The finance company said no she is…
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A+L say no Natwest say Yes at.....
Hi All, Well needed a loan I thought I would try my two banks that I bank with with, Alliance and Leicster and Natwest, Alliance and Lecister said Thank you for applying for your Alliance & Leicester Personal Loan. Your application is currently being reviewed and you will be contacted within the next 48 hours by either…
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Student Loan Repayment
I am a director of a ltd company with a 50% shareholding and pay myself £5000 PAYE for tax reasons and draw the rest of my income from dividends, does this mean i do not have to pay back any of my student loan as I am below the PAYE threshold of £15,000? or will they class me as self employed and therefore liable for…
