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Avoiding paying of all debt, whats the risks?
A couple of my friends have moved abroad to avoid paying of the debts they have accumalated. Apparantly if a debt of any kind is not paid over a 6 year period the debt gets wiped clean. Can anyone tell me if this is true? What are the risks of doing this? What powers do the banks have with regards to tracking down and…
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Interest-free Credit
If this is the wrong board please move it :) I wanted ask about these "interest free credit/pay nothing for a year" credit agreements . Is this a good idea, and what are the pros & cons for it please ..? TY:D
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Tesco Loans
Hi Can anyone help me please? I already have a tescoloan but I want to re jig my finances. Really it would be for debt consolidation and a bit of home improvement but I notice that I can only take the loan over 7 years max for that debt consolidation and it is more expensive than I can afford. I have checked their…
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A big loan for the lot????
Hi all, Between me and DH we have quite a bit of debt between us and I alone, pay about £200+ on my side of stuff, monthly. This year our fixed rate mortgage comes to and end and we were thinking after the remortgage is done, should we get one large secured loan to clear off everything we pay out which will just give us…
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plz help - need a loan with smallest int rate
hey, im looking for a loan with the smallest interest rate possible...any suggestions?
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Loan for property purchase - Any advice please?
My hubby and I were both made redundant 7 years ago, and invested our payouts in a run-down one-bed studio flat, which was in need of a lot of work and therefore very cheap. Its appreciated considerably in value, and we have now decided we'd like to sell and buy something larger to rent out as a holiday let business. Been…
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Paying off Hire Purchase Agreement before first installment
I've just bought a car under a hire purchase agreement for 60 months. But now i've come into some money, and can pay off the agreement in one payment - and I can do this before the first installment is due. Does anyone know what charges I will be liable for (if any) or any interest I would have to pay? It says in the…
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Which loan should I go for?
Does anybody have any advice???..... I'm looking to get a loan and with all the information available I'm not sure what to go for.... I have no bad credit or credit cards. I have a mortgage, had a small loan which is now repaid and have obtained hire purchase leasing on a new business vehicle (18 months ago just before I…
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Business advice - secured loan
It has taken me and my partner 18 months of looking for a business to find our dream business. Now we have found one, I would like to make a move for it before someone else buys it. The business is a charter/cruise yacht (the only 60 foot yacht available for these purposes in the location involved) The Yacht is in the…
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My Situation - urgent loan needed
This is my situation. I'm 23, just started a new job on £25k p.a. I'm urgently needing to find a place to rent but I have very little savings for the necessary deposit and one month's rent in advance. I want to get a personal loan but I have no credit card, hence no credit rating. What are my options? I need £1500 - 2000…
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ppi reclaiming/nat west visa- can you help?
does anyone have a copy of their nat west visa gold card agreement from 1997? i believe i was mis-sold PPI but need a clear copy to check, nat west have sent me a bad photocopy & say that they can't read it but that i wouldn't have been mis-sold & have offered me £1000.00 if i take it no further which seems a little…
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The best way to buy a new car? (Young Person)
Hi, I'm 18 years old, employed full time on a salary of £24k. I was looking to buy a new car priced at £10,000 and was wondering what is the best way to buy it on credit? (My old car was only worth £500 however it survived 9 months without a single dent so I've decided to go for a new and reliable car.) I suppose what I'm…
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Paying off loan early, no PPI rebate??
I hope to be in a position to pay off a personal loan that I took out with Alliance & Leicester with PPI 2 years ago over 5 years. The PPI was added as a lump sum at the beginning of the term (>£3000) and I pay >£50 per month in PPI. I requested a settlement figure for this loan - the letter provides me with a balance,…
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Cancel PPI - Top heavy ?
Hello My girlfriend has just cancelled the PPI on her personal loan with Natwest, she was paying around £45 a month in PPI which she was basically hard sold. She has since received a letter stating that the ammount of PPI to pay back isnt pro ratad and is paid in larger chunks initally therefore after cancellation they…
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Gregoery Pennington
Is this company classed as a loan company? They have offered me a way out! Anyone no if their good? Regareds Ruthylee
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Confusion over paying off loan with a credit card!?
My partner & I took out a loan of 16000 in feb to pay off my original loan & his original loan with abit extra as we were about to move into our first house so we needed the essentials etc. We have the loan over 72 months, paying £370 a month at a rate of 11.2% with lloyds. Were struggling now with the repayments each…
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PPI Reclaim, Can anyone help please?
Hi, I have just started looking into this and wanted some advice, I had a loan i took out in 2002 (4 year loan) for a car (which was paid off in full and early approx 2 and a half years ago), now this was my first loan and I got told I had to take out ppi for it. I've dug out my old form and the amount of the PPI is 544.15…
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AA financial Services Loan
Hi Everyone! About 3 years ago I took out an unsecured loan with AA financial services for £5000, with monthly payments of £100. I also took out PPI which took my monthly payments up to £150 At the time of the application (over the phone) I had said that I didn't want PPI, I distinctly remember the agent telling me that…
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graduate overdraft repayment loan?
Hiya! :j After much searching and getting tips from this site, it is now time to ask a question. I graduated last year from uni and have a student overdraft of £1500 ish. But as soon as I got a half decent job I had to move to the south west ... Bath. They like to charge you a lot for living it seems. Anyway.... I REALLY…
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ppl
can anyone help me a couple of yrs ago we remorgage our house we took appl out with it but i have relised that this was in the form of a loan it works out at £16 775 with a monthy payment oF £132 can i cancel it and look for a cheaper insurance or am i stuck with it
