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BMW ballon loan - worth it?
BMW do a fixed price monthly deal on new cars. You pay a few thousand pounds up front, then a fixed monthly sum (around £300) for a 3 year period. At the end of the period you can choose to return the car and take out another similar deal, or decide to buy the car buy paying a pre-agreed sum. If anyone has knowledge or…
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loans
what is the best way too pay back a loan not due too be finished untill 2011 too pay the least back.
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Samedaycash - what the hell has happened here?
Hi all I need some help regarding a company called samedaycash.co.uk Basically, I had a loan with them which I defaulted on (on purpose) so that I could pay it off in instalments to get rid of it, as I was stuck in a vicious circle with it. After it defaulted it went to a company called chequespread. The original balance…
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Loan To Buy New Car?
hi guys im having to buy a new car and need a loan. i have a couple of cards which i miss payments on the odd time.i want to know how finance companies check on me to allow finance before i go into the dealership and make a fool out of myself.i never have missed a payment on my existing car or mortgage .i also have a bank…
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Flexible loans?
Hi folks, recently discovered this forum and as usual my first post is a cry for help. Iv got a loan ( as a result of silly student spending:beer: ) which has a settlement figure of 5500 at the moment. Its fixed monthly payments of 257 a month but as iv moved jobs i would rather pay off about 500 a month and get is settled…
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Credit score detoriated because of loan applications
Hi, I have a loan with natwest and I topped it twice before. Due to high number of applications to top up my loan, my credit score detoriated. I can't top it up anymore. I heard something about duplicate searches and that they can be removed from the credit file. I want to know what a duplicate search exactly is. For…
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Red/Lowell Group.
Please excuse my ignorance in this matter. I have a bit of a time issue. Basically i recieved a letter from red collection services about an outstanding debt i have for circa £6000. In the time i've had ive scanned the forrums and a lot of people have said they've recieved letters from the red collection service or Lowell…
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Unsecured Loans and Shared Ownership mortgages
This week I applied for a loan with 'yourpersonalloan.co' and was declined. It seems this may have been to do with a change in the way banks view housing associations' shared ownership schemes (part mortgage/part rent). When once I would have been seen as a home owner, I'm now seen as a tenant, and this particularly good…
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Loan Questions
Hi guys, I currently have a car that is worth around 7K with finance outstanding of 9k, its costing me a bomb in petrol, so I wanted something much economical - the alternative would be a couple of grand more, but it would soon pay off (including servicing bills etc etc). My question is, I want to go for a personal loan if…
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Funding a used Car purchase??
Hi, my company has finally given me a car allowance to purchase a used car. I have 10k saved which I was going to use to buy the car outright and then use the allowance to replenish my savings before adding the car purchase price to my mortgage?. The plan was to decrease my mortgage term to enable me to plough the extra…
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Student Loan: Repeating Final Year
Hello all, I studied my final year at a particular University and was given a student loan to complete the year. I studied hard but my tutor and head of year messed up my project thus putting my degree in hiatus. They deferred my degree and offered for me to repeat the year. There is no way I am going to let them mess is…
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Urgent Advice needed
Hi, I have a really difficult problem and I desperately need help! My partner took a loan out for his ex (they were together at the time) for £4000 as she couldnt get any credit herself as she was badly in debt, anyhow he took the loan out in his name and then a week later she ended the relationship with him. This was over…
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Getting a loan/mortgage on Incap Benefit
:confused: Can anybody tell me how or more to the point where I can get a £9000 loan? I own my home outright, have a excellent credit history (just checked with equifax) but I'm on long-term incapacity benefit, child tax credit and get some money (sometimes) from the ex via the CSA. I've looked into it a bit and even…
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I have the original/signed loan agreement - is it a valid document?
To cut a long and very sad story short I would like to know if a loan agreement is valid if I have possesion of the original agreement and the loan company have a copy? I have been mis-sold goods & services through mis-representation & description (holiday points/timeshare) and am looking at all avenue's to get out of…
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first plus interest rates....
Hello...i have a query concerning First Plus interest rates on their secured loans which I would be extremely grateful if someone could help me out with: Took out a loan (to consolidate) of 35k with first plus approx. 3 months ago. Credit agreement says i had a special introductory interest rate for 3 months then was to…
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I don't think this is the right room, but please, please help
Basically I took a loan out with HSBC last year and for various reasons, I haven't been able to make any re-payments. A month or so back HSBC Solicitors wrote to me demanding £5,000 to be paid in 7 days and if I had any problems, ring them ASAP on a free phone number (I think it began with 0808? I'm not sure), I did and I…
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Nemo Loans
Anyone know anything about them or used them? We're looking at rolliing up a current loan with Barclays and some credit card debt and paying it all off. We've approached Barclays but they aren't doing any new lending! They passed us on to Central Trust - and they've recommended Nemo. According to them, they're a good…
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blackhorse finance
I have been having problems with blackhorse finance- (see previous posting) They have told me that i have paid £7158.06- since 2006 and if i pay another £500 they could take back the car or i have £7865.08 left to pay them to own the car . they are telling me that i may not get finance with them - any advice
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Ppi Charged Twice For Same Mortgage/loan
Please help. When I have re-mortgaged with Northern Rock I have been issued with a loan with PPI. However, Northern Rock has added the additional borrowing monthly payment to my current mortgage payment and charged me PPI on both at £24.14 per month when I was already paying PPI through Northern Rock for the mortgage at…
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Shall I pay off existing debt with my student loan?
I have recently applied to do a part-time PGCE (as a second degree). I am working full time and my employer releases me half a day a week to do the course - hence I am earning a full wage. The student loan company has still offered me a loan of nearly 6K! I'm thinking I should take it even though I don't need it because…
