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Which Loan allows overpayment
Hi, Im in the process of applying for a loan however I know that i want to make overpayments. Does anybody know of there are any good deals out there which will not have any penaltys. Thanks in advance Nimo
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car loan - collectors getting heavy
i have some arrears on my car loan - which blackhorse have passed to Close assistance- to recover. close assistance will call me everyday - and they have made an appointment for this friday - for someone to talk to me about my options - and have a look at the car . I have paid over a third so - i would have to be taken to…
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business Loan + Poor Credit
Hi, My boss has offered me his business on a market for £15,000 as he is losing heart in it him self, it is a mobile phone business open 4 days a week. I have all the contacts in the trade i need so maintaining a healthy business is not a problem, it is just the initial £15,000 I would need to find. These are some rough…
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letter to money shop
Is there a template letter any where that I can send to the money shop about not being able to pay payday loans - cheque loans? I have some that have bounced and that are due to come out so i want to send them an offer of monthly payments that i can afford. Kirsty
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Student loan paying back issues
Hi, I managed to save £4,500 over the past 3 years and the dept, by the end of my studies will be £21,000 (by year 2011). How can I invest my savings and where do i invest to save abit more by the time my repayment is due? I can leave it in my savings account and earn interest but interest is not permissible in my religion…
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Need a loan to buy a business, any help?
Hi There, I have always wanted to be my own boss and finally have the chance to do so. I currently work full time in a dead end job to pay the bills, a friend of mine has also dreamt of owning her own shop and we have decided to become partners and buy a business. My question is what is the best, safest and cheapest way to…
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Paying off student loan VS overpaying mortgage
Hi there My partner has just got her annual letter about her student loans. She is 29 but doesn't earn enough yet to have to pay them back so has deferred them every year. She does have some money spare each month though. She's wondering if she can make a lump sum payment to them but I think that maybe it would make more…
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car loan at 19.9 apr
my car was £3499 at 19.9 apr over two years ,the figures are £203.84 a month the interest is £696 the first year and the same again for the second year ,i thought with APR you pay the interest on what is remaining after your first year sound like he as done FLAT RATE as opposed to APR it says APR on my agreement,should i…
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Yes loans experience
Hi, i applied today for a loan of 3000 and they accepted and approved it.Sadly not knowing about this site here i then agreed to pay 59.99 for everything to go ahead. Afterwards i found this forum then worriedly rang them to ask what happens next,they said i would receive papers to sigh and then a contact will get in touch…
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LloydsTSB @ 14.7% or Black Horse @ 11.9%
OK, given up on WH Unsecured (although it looks like I am getting a refund!!) and have looked at loans through this site. I did the SmartSearch and (based on some 3 year old dodgy business with my bank) it recommended I did not apply for the cheapest. The cheapest it did recommend was Black Horse at 11.9% but the one…
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1st Plus not taken DD payment
I take it that other FP customers got letters/phone calls last week saying there had been a technical problem taking the DD from our accounts? I did and was told it would be taken from my bank today - went to bank on way home tonight and it was still there- has this happened to anyone else?
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Is it possible to change the name of the person responsible for a loan?
I have a loan in my name with AA Personal Finance which I used to buy a car with my now ex-partner. I made most of the monthly payments by DD when we were together, even though the main use of the car was for my ex to get to work. Since we split up, he transfers the money for the monthly payments into my account. I'm now…
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Getting out of a loan? paying off early?
Is there anyway to do this??? I'm currently going through my OH's accounts as he has recently confessed that he has got into trouble with CC's, etc etc and has no clue with anything money related. Thanks to this site over the last few weeks we have taken huge steps to work this out and get back on track. However I then…
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Egg Payment Protection reclaim
Martin Lewis has done it again !!!! Right you know I was telling you about having done my credit cards charges and they have been sorted now ( apart from one ) Well I have an Egg Loan of £ 183 per month and Martin put on his site that Loan companies are wrong and especially Egg for when taking out a loan they where pushing…
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PCP Contracts - lenders not helpfull
I have recently spoken to Bank of Scotland who financed a PCP for my car. I am now on a lot less money than when I took out the contract and have difficulty in keeping up on the payments. So I spoke to them and they didn't want to know of my problem in fact there only reaction was pay up or lose the car and be liable for…
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Reason for Loan???
I have managed to get myself into a lot of debt through various credit cards and overdraught facilities and loans over the last few years. At the moment I am paying the minimum payment on my credit cards and am just managing with money at the end of the month. I am thinking of getting a loan from a bank to pay off all the…
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What happens if a loan provider goes bust?
Hi, Simple question I have a car on finance, what would happen if the provider of the loan goes bust? Do you still have to pay or is the debt written off? I am guessing it depends on if the book of debts can be sold on?
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U can Car Credit Ripped Off!
Hi I bought a car from these and it was financed by a company called marsh. Vauxhall astra 2005 model bought this in 2007 november. cash price £8300.00 deposit £100.00 interest £7161.80 document fee £255.00 total charge for credit £7476.80 259.78 a month they said i have p.p.i and had to take it out but in the contract it…
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Help With A Loan
Hi all. I had a problem with a loan company who i have a loan with, I took out a £750 loan with them in december 2007. i have had a lot of problems with it. firstly i have missed a few payments. today i have had one of their representitives visit me at home today. and they have told me that my account has been charged…
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can someone explain littlewoods BNPL system?
i know that if i pay the balance before feb 09 i pay no interest but can this be paid in incriments? or only in one fell swoop?i seem to recall someone saying once that if you start paying early then you're stuck paying minimum repayments? thanks
