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secured loan
Hi there, I need some advice please, what would be the best way to move from a secured loan to an unsecured one?:question: B.
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F&F Settlements.......
Hi all i'm Corks, first time poster, long time viewer blah blah blah. I'm 22, live with my folks and am in about 20k of debt over 6 creditors now a relative has offered to give me 10k (was going to be my inheritance) to pay off my creditors. I've been severely struggling with my payments and have been dealing with Payplan…
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Charge on HMLR dicovered in HIP
Hi all, I hope this question makes sense! This post is also in buying/selling/renting forum, apologies for doubling up, wasn't sure where to put it. Back in 2004 I took out a £7000 loan with Black Horse Finance for home improvements. At the time I just signed the paperwork and took the money, did my improvements and…
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unsure what to do
hi guys this is my first post so here goes. i took a loan out for £6500 for 5 years at 6.7% intrest in april 2006, i pay £126 a month. i have 2 years left on the loan and about £2500 left to pay i am now on better money and can afford to pay more to the loan i.e £250 to £300 a month. i need the debt cleared as soon as…
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URGENT Help with MM injunction
Hi, I am hoping to go to my local county court 1st thing tomorrow and take out an injunction against mobile money taking our car, I want to stop them as I am disputing the loan, the way it was sold and the unregistered bill of sale. Reading the stories on here it seems like they still take cars whilst the debt is in…
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Catalogue company loans
Does anyone know how easy / hard these are to get? Does it make a difference if you already have accounts with the company? And do they use the same CRA as for a credit account? I know the rates are potentially high - but the low end of the range is still lower than some more mainstream companies. Having worked out my…
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High Interest Loan
In January 2006 I applied for a loan with the Yorkshire Bank, having banked with them for about 16 years. I'd previously had two loans with them paid by direct debit, no defaults or late payments and paid in full. I was earning £28k at the time and paying out about £400 / month in bills. I had paid off a credit card in…
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how long for loans to be 'settled'?
I ended 2 loans about 5-6weeks ago. One with santander and one with FLM. I also closed an RBS account i had. The two loans are still not settled, although the RBS current i closed on the same day was settled early last week. I am really wanting to apply for a cc so i can pay off a stupid wf loan with the usual extortionate…
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Moorcroft problems - help please
I recently requested a CCA from Moorcroft for an account they were chasing on behalf of RBS for a credit card I had 4 years ago. Having sent the CCA request (thanks to the posters on this site), they responded saying that as the debt was not with them they could not send it and I would have to request it from RBS. What do…
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loan vs credit card
Hi All Need a bit of advice and it's not sinking in when i try work in out, I have a loan with settlement figure of £3200 with 28 more monthly payments left , ive just had a offer from sainsburys bank of 3.4% balance of life deal credit card with 3% fee, Am i better sticking where I am? thanks
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In need of reasonable car finance/loan
I hope someone out there can help! I am 27 and since 2000 have had 2 defaults both of which were paid within a year of default. The first one defaulted in 2001 and paid in 2002 and the other was a mobile phone dispute which occurred in 2008 and I settled with them in 2009, other than this I have never once missed a payment…
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Where can freelancers and people without full-time contracts get a personal loan?
I have a very good credit score and low debts. Unfortunately, recent circumstances forced me to use my main credit card a lot. The interest rate on this card is 17.9% APR. Now I want to take out a 10,000 pound personal loan to clear the credit card and give myself a couple of thousand pounds of spare cash to buy a…
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loans for people on disability benefits
Hi, have a not too bad credit rating, have a loan with the halifax, (had £5000 loan) balance left at £768.00 paying at £112 a month , and have never missed a payment, I need a further loan but am now due to an accident at work, unable to work again and am in receipt of DLA, IIDB AND Incapacity benefit, as I am now…
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Is Zopa still available through Quidco?
Just a quickie-thinking of using Zopa's services but hope to do so through Quidco. Had a quick look and cant seem to find it through them,does anyone know if its available through Quidco? ( I think it used to be?) Cheers F
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Brand new to this and need help!
My husband and I are hoping you people on this site will be able to help us. We are in a rather bad situation and have finally realised it and so really need to sort it. But, we need help/advice?! We are having to put food and general living expenses on credit cards each month, all of our income is accounted for before it…
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Rbs loan & fos
Been chasing RBS since Nov 08 for a copy of my CA, sent a complaint off to FOS in Feb 09, received a call from FOS on Fri stating that RBS has came back and cannot loacte the CA and that there is nothing more the FOS can do, surely the RBS must be answerable to somebody for this. Can't belive I've waited all this time to…
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What loan for me?
Hi all I want to take out a £3000 loan I earn £300 a month.. and would like to pay back £80 a month over about 5 years I have tried all the major banks etc but they declined Can anyone recommend anyone please I have been looking for a while but had no luck Hope someone can help Much appreciated Thanks
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How much should I pay back?
Hi My sister gave me a loan of £5000 back in 2002 to help pay for our house purchase. She still hasn't asked for this money back but I would like to start budgeting to give her this back with the appropriate amount of interest she would have earned if she had put this in a high interest savings account. Just one problem…
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In too Deep... Loans, CC's Overdraft, HP I Need advice
Dear all. I am hoping someone can give me some advice. I currently have the following debt: Car on HP: Total Borrowed: 13,870 Total Amount Payable: £16,102 Term: 37 Months Monthly Payment: £311.31 Final Payment: £4,885 APR: 7.7% Overdraft: Authorised Overdraft: £2,000 Amount Borrowed: £1,900 Personal Loan: Total Amount…
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Loan secured on your car stay away
I would like to warn anyone getting a loan secured on your car more so anyone like myself with a poor credit rateing, i stupidly did this nine months ago as you start paying it they text you to ask if you want to increase the loan i did and i raised my loan to £1500 im now in default by two weeks my settlement figure is…