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Banks Going Bust - What's The Score If You Owe Them Money?
Every day in the news there's another bank or loan corporation facing bankruptcy as a result of the credit crunch. What I'm wondering is that, if that happens to one with which you have a loan and the firm isn't bought out by another company, is your debt written off? If so, I'll pray for the well-deserved collapse of…
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How do I get my own back with this bank?
Hello All, I have a question here for all you nice people. I had a loan from my bank which I signed for at the rate of 13.1%. I have paid off this loan with my bank, as it stands now, I do not owe them anything. The problem here is, this bank made me sign the loan agreement at 13.1%, while it is actually 13.5%. The only…
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do i borrow or use savings?
OK im a bit thick when it comes to money... so ill put this simply... i need another car, this one is conking out, costing a fortune for one reason & another, using petrol like its going out of fashion, blah blah... so my dilemma is, do i use some of my savings, and buy a car cash £3k approx, or do i take a loan from…
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Help re PPI on loan currently in arrears please
Hi. Wondering if anyone can help. In 2006 I took out a loan Northern Rock and they advised me at the time that taking the PPI would increase my chances of the loan request being accepted so I took it even though my job pays 6 months full then 6 months half pay and has a "no redundancies" policy. I am now on a Debt…
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when to pay off exsisting loan..
i am about to pay off an exsisting loan and i am wondering if i should pay it off the day befor the next payment is due or the day after.. would this make any difference to the interest that is charged.
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Debtbuster marketing
Hi, I received a letter today from debtbusters apparently as a follow up to a query. However I have never contacted these or any any other loan company. I then noticed that the [FONT="]addressee [/FONT]was not me, but the house street etc was this address. When I contacted them they say this was due to a marketing…
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Nationwide E-Loan
I have a Nationwide online E-loan, I have tried borrowing money from it but it keeps coming up with an error message saying to contact customer services via the secure messaging facility. I haave done this four times now and no-one ever replies and the fault has not been fixed. Has anyone else had this problem?
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Cheapest bridging loan? LTSB?
Hi I know a bridging loan often doesn't come cheap but out of the ones out there would you say Lloyds TSB offer the cheapest with the interest at base rate +1% and 0.5% arrangement fee for a closed bridging loan? I realise i would have to open a LTSB current account. I've found a buyer for my property and about to exchange…
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Welcome Finance Ripp off
Ok this is my first time so please be gentle lol. I am looking for some advice when it comes to the subject of Welcome Finance. I took a loan out with them about 8 years ago. The loan was for £1500 and I was to pay it over a period of 3 years. Half way through the loan I fell pregnant and I lost my job and the PP didn't…
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Clydesdale Bank
I had a £7000 credit card debit with the Clydesdale Bank and back in January I went to them for help, they suggested a personal loan which they agreed to allow me to take out to cover the debit, but I am paying back a very large amount of interest (approx £5k) - I now realise after speaking to my other creditors this was…
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Sinking with Natwest loan and overdraft
Hi to all, I am currently having problems with my Natwest loan and overdraft. I borrowed £17,300 from NatWest in April 08; APR is 10.1 % over 28 months. I also used my overdraft limit up to £7400 (max limit is £7500) few days ago. The APR is 17.73 %. I will be paying big interest every month I know. I have to make a loan…
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International Student Loan - No US Co-signer
I'm looking for a student loan and most loan companies require a US-Cosigner. I'm coming from the UK and don't know anyone in America who'd co sign a loan for me. I've done quite a bit of research myself but can't find anything and also I'm only young so don't understand that much about loans. If anyone could recommend a…
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BCT Urgent Help Required
Ok so basically ive got finance on a car with British Credit Trust I picked up the car on the 6th now last Tuesday I was involved in a bad accident and the vehicle was written off. Ive done the usual and call my insurance and they are dealing with it but the only issue is I don’t yet have the V5 from the new owner. Ive got…
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Boyfriend has bad credit history but needs a loan please help?
Hello - my boyfriend has bad credit history however I do not want to get another loan in my name (I have already have one) so he wants to get one in his name to pay off some of our debt. He has tried applying for yes loans but they rejected him today. Does anyone know of any companies that will give him a loan. Please help…
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Converting overdraft to loan
Hi everyone, I'm looking for some sound advice as to what to do with my overdraft that has been stuck at £1500 for so long I can hardly bear to look at the statements anymore! I have decided to see if I can arrange with the bank to convert it in to a loan and they have come back with an offer as follows: £1500 over 3 years…
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Where to go for first ever loan
Our daughter is about to take her driving test, and wants to have a car in place ready for when she passes (I know! I know! I know! - but at almost 21, are you going to listen to your parents???) She has seen a really nice little car which is for sale for £2,450 and needs to get a loan to pay for it. She is 20 years old,…
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Will this negatively affect my credit?
Hi Guys, Let me outline my issue. I bought a new toyota aygo in 06 and I am aware I can terminate the agreement 2.5 yrs in and hand the car back. although I am happy with the car i bought it for a new job i was taking and needed to travel. anyway I played my employer and they wanted me back. So i no longer needed the car…
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How to calculate repayments
I am just trying to get my head around a loan calculation to work out repayments before I apply etc... I know a lot of banks and places calculate it for you but I wanted to know how they go about it. For example: Borrow: £8500.00 APR: 7% Duration: 60 months (5 years) Can anyone do the breakdown of how you would come to a…
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Loan Guarantee Scheme
Hello I have been trading for just over 2 years and I would like to borrow £30K, this would be for paying off and existing loan, credit cards and some work need to the business. Can I use the Loan Guarantee Scheme for this? Thanks
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loans.co.uk or GE money?
Good afternoon, I took out a loan in 2004 through loans.co.uk but it was with first national now GE money. who do I claim from? Also i borrowed £25,000 plus £4,750 ppi paid it for 14 months at £ 500 a time but still ended up paying £28631 sods! is there a good chance ill get some back?
