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53 Months
hey, Im sure you get requests like this all the time but please bear with me i have no idea what to do. I currently have a personal loan with my bank. The current loan balance is £2753.29 and the APR is 19.9%. I asked and they told me that it would be 53 months before i pay off the loan at my current monthly payment of…
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Need a car loan, but.................
After years of being in a financial mess, I am almost sorted. I know what I owe and to who, and my debts have reduced from is excess of £12 - 13K to just £3K on a credit card. I need to change my car very soon (I say need rather than want - I live in a rural location, so a reliable car is a must and mine aint so reliable…
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Can you cancel and get a refund on payment protection
Hi, just a short question I have a loan with tesco over 48 months with pp Im 8 months into the loan but want to get rid of the pp so the loan amount is reduced It was a mistake getting th pp so would be good if i could reduce the loan in anyway Cheers for any help offered
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Insurance on bank loan
Hello, I've been paying off a 5 year loan for 3 years now. I had to take out insurance to get the loan, but I'd really like to cancel it. How easy, or difficult, is it to cancel this type of insurace and continue with the loan? Thanks.
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Help needed on loan / credit report
Hello All Just wondering if anyone could help? I had a loan agreement for £1200 took out in Jan 05 for a car the car got wrote off and with the insurance money I sent a cheque to settle the account. The cheque was cashed. I thought nothing more about this unit a debt collection agency contacted me for the money several…
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Loan purpose query
My husband and I are about to get a loan to pay off credit card and Career Development loans etc. and have told the provider that the loan is for home improvements, when it is really for consolidation. We did this to qualify for a longer term loan. Under the terms and conditions of the loan it says that if the loan is for…
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Cahoot flexible loan - getting rid!
Hi Folks, As you can see from my sig, I'm a member of the Debt free board and trying very hard to clear my debts - £18k down in 3 years :) I havent missed a payment in all that time, but my credit report is still poor - I was in quite a mess before I woke up to my situation. I am coping fine right now and can see myself…
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Lloyds PPI
Hi, I was hoping someone could answer a question regarding PPI for me. Yesterday i applied for a loan over the telephone with Lloyds and said i wasn't interested in PPI. During the conversation it was inferred that i may not get the loan without PPI so i reluctantly said yes. My application was succesful and i am awaiting…
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Additional Borrowing - Ppi ?
If you have a mortgage BUT then have additional borrowing WHICH on statement is states LOAN...... would you be charged PPI automatically IF SO.... could I claim it back ? Thank you Claire:rolleyes:
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Nervous
Hello, I wonder if anyone could suggest which direction I should take. I have just been made redundant, and have my last months wages going into my account this weekend. I have an overdraft with one bank of £1000, and with another of £2000. I have no credit cards or loans, have never had a credit card, and have not had a…
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Loan advice for newbie
Hi I'm 25 and self employed (I own my own small, online business) and I'm currently living off my overdraft, so all business profits can go to expanding stock etc I cant get a business loan, so I'm looking to get a personal loan to help expand my business - I'd need about £2500 initially, and another £3-4k over the coming…
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Unsecured Personal Loan - 10 years?
Hi, My wife and I are considering consolidating our credit cards, overdraft, etc and taking out a loan instead. (Loan amount £14,000). We did not want to secure a loan on our property and are looking at an unsecured joint loan instead. We've a pretty good credit rating but all the unsecured loans I have seen seem to be…
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PPI with A&L - bad memory, help!
Hi everyone I have been considering trying to reclaim or even just cancel the ppi I was sold with a loan for a car, taken out over the phone with A&L. I read the t&c which says that in order to cancel ( I plan to take out a much cheaper and more suitable one with another company ) they would have to rework the loan which…
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Need a loan for new car
Hiya, we are part exchanging our car, getting £2,500 for it and the car we have seen means we need to find £5,750. I looked at 'my personal loan.com' and their rate is 7.8%, we would be paying it off over 5 years so that being about £114 a month. Is this the best deal around because Im worried about signing up if theres…
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A&L Loan Early Settlement
Hi all, I am after some advice from those better at figures than me...... I have a 5 year A&L loan for £11,000 taken out last year. The monthly repayment is £217 and the first payment was made in Oct 07 (I have made 13 repayments out of 60). The interest rate is 6.9%. I am currently saving to pay the loan off early. Is…
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Too many applications?
I have recently started a new business and needed credit to finance the project. Three banks refused me an overdraft or loan (on the basis the business was too speculative) so after 3 failed attempts I applied for a new credit card to see how much I'd get, I was approved for a £2,000 limit but its not enough so I have said…
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Boyfriend living with me and wanting a loan
Hi there Wonder if anyone can help? My boyfriend moved in with me last year but the mortgage and bills etc are all in my name. The problem is we're looking to get a low rate loan for him to get a decent car as his is on the way out and we both need a car to get to work. What does he put for his residential status? He pays…
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northen rock loan
hello all we have a mortgage with northen rock we also got a home start loan with them, northen rock have told us to go find a new mortgage as they can only give us one at 9.9%, so we are trying to find a new one, now the thing is that the homeloan payments will go up to £328 a month that a rise of £122! i asked NR for…
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Are there delays in loan payouts or am I being strung along by a friend?
Hi Guys, I have a mate who owes me some money, but is arranging a loan to pay me back. He 'allegedly' signed a loan agreement with his Lloyds bank about a month ago, but they haven't paid out due to the whole economic situation. He's had a meeting with the bank a couple of weeks ago who said they will be paying out…
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Student account or loan?
Hi, i need £1500, but i dont need it for long as i will get £2000 in january to pay it back with. I am a full time student but have not informed the bank of this and i appear to have a poor credit rating due to forgetting to some credit card payments about 9 months ago. What i would like to know is, am i better to apply…
