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debt management schemes and LOANS!!!
Can anyone give any advice on debt management companies to avoid if I was going to consider reconsolidating my excisiting loan? Has anyone any bad stories?
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Help with debt
Hi hope somebody can help me. My financial situation is the following. I currently earn 1020 pound a month after tax. The problem is i have the following outgoings: Beneficial finance £267 Welcome finance £90 Gym 12 months subscription £55 Sky tv and broadband subscription £50 Mobile Fone bill which i im in arrears with…
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debt management schemes and LOANS!!!
Can Anyone Give Any Advice On Companies To Avoid If Considering A Loan Consolidation With A Debt Management Company?
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working out the interest on a purchase with interest free period
any useful sites for this?? trying to work out the total cost of something before i buy it. it cost £655 with a 6 month interest period where i will be paying £70 a month before reverting to 27.9 apr after the 6 months. any useful sites with calculators that will help me on this & other amounts cheers in advance
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Loans - In a Quandry, Any Possiblities ?
I have been paying off 2 loans for several years now and have never missed a payment. I currently pay £393 and £215 per month for loans which have settlement figures of £14076 and £12813 respectively. I am currently paying 2 lots of interest which is very expensive and am under the impression that i cannot get an unsecured…
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Advice on Challenging a Consumer Credit Agreement?
Does anyone have any advice on challenging a Consumer Credit Agreement? I have a client who signed up for a correspondence course, funded by a bank loan. The 'training advisor' acts as an agent for the bank and the loan is arranged by the agent when signing up the learner. The college gets paid staright away, the student…
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Miss Sold Car Loan....Your Opinion Please
Hi Everyone I recently (Saturday) visited one of the car supermarkets and found exactly the vehicle I was after...at the right price as well....all good news (so far)...but I now feel rather silly and as if I have been miss-sold to....so this is how it goes DAY 1 The salesman greeted me, took my details and requirements…
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Reducing Interest
Hi I have a loan for £15,805 and i am curently paying off £360pm to reduce the debt From this repayment amount i have to pay approx £125/£130 pm in interest. Does anybody have any ideas as to how i could reduce this interest payment therefore paying off the debt quicker. Nick
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5k loan/interest advise/early settlement
hi ppl im about to apply for a loan of 5k but i want to pay it off in april as im due a lump sum of approx 20k. now i know i can apply for a loan and i have a good credit rating but i want to pay as little as possible in interest im just wondering what % is paid off each month as interest and the actual loan amount. so for…
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Car Loan Advice Please
Hi all, I have recently looked into changing my current vehicle to a higher spec model and have been looking to arrange finance on the said vehicle heres the outline of the figures: New Car: £20,250 Settlement: £12,790 Balance: £33,040 Trade In: £12,500 Credit: £20,540 I have had a few quotes and searched…
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What are my options
This is incredibly embarassing but I suppose I am not the first. I am over my limit on my credit card by a hundred pounds and my current account is now over a hundred pounds over in unauthorised overdrafts. I have already been paid for this month and we have nothing go in now until 25th September. In the meantime we have…
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Repaying My Loan early
Hi there This is the first time i ever used this site and I really hope someone can help me!! I have a personal loan which i started to repay from the 6/07/2007 for 36 months in the sum of £150.69 (this loan also includes Payment protection insurance). I have now come into some money and want to pay the loan off early. In…
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Assistance with Loan
Hello Everyone, I've been in debt for several years now, since I was 18 and could get a Credit Card. I'm now 23 and after several new cards and card transfers I seem to be worse off and only being able to make the minimum payments means I'm not getting anywhere fast. I'm trying to think for the future, get this debt sorted…
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PPI help...
First off im sorry if this is in the wrong place :) I am currently paying back a loan from barclays. It was over 5 years, i have 3 years left. I have read through all the info and I am certain I was mis sold the ppi. I think the ppi was a single premium policy?? I would like to try and claim back the ppi i have paid up to…
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update on clode finance
Hi everyone Just thought I'd let you know I paid them off today dinnertime minus the fee.!!! They still argued that they were within their rights to add on the 1.6% fee. If thats the case, why are they willing to waiver this fee, as they put it "it is a gesture of good will". Rubbish its because they know they're wrong and…
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Outstanding Loan issues after 2 years
Hi All, I had a loan (which i believe was mis sold with insurance whilst i was at uni! Different story tho!) With Lloyds TSB. I cleared the loan by cheque in March 2006. I was told the loan was closed, it disappeared from my online services, it shows as closed on the Lloyds systems both on the phone AND in the branch.…
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Credit report help
Good afternoon first of all I would like to say this is a great Website. Hopefully this will be a quick query. Last week I went to a local garage to trade in my old car and apply for a new car with finance. Everything was going ok until I got a call from the salesman in the afternoon saying that I had been refused the…
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Returning a car to finance company...
i've read about on this site regarding returning a car to finance companies. How does this work. Basically had my car nearly 18months on a 36month finance agreement, i want to change the car and this appears to be the best way. do you have to have a reason for doing it? what are the rules? how do i do it? or would i be…
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Sainbury's Loan - £15000
Afternoon everyone, Last week I posted a message on advice for getting a loan for £25,000 for a static caravan. I have now found one that we like for £12,995 + £600 delivery. Thought if we were to borrow £15,000 this would leave £1,400 to re-carpet and a few other bits we would like to do. Sainsburys are offering a good…
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Outstanding Loan
Hi all, A few years ago I was in some money trouble (thanks to some nice bank charges) & had to go to the CAB who contacted my debtors & arranged for the interest to be frozen on a loan I have. I am more financially stable now & have recently applied for a mortgage but was rejected (I know the credit scores etc. are alot…
