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Student Loan Repayment Advice
Hi I was a university student back in 2001 and had a student loan. Since leaving university I had a few jobs earning under the repayment threshold of £15,000. In April 2005 i changed jobs and my salary jumped above the threshold. Having checked through my payslips and P60s dating back to April 2005 yesterday i realised…
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Emo, Scared and refused a loan.....
Hi there, I have been reading through many of the threads on this site and this is my first time i have posted! i have unsecured debt totalling just over £13,000 and am looking for a loan to tie it all together in to one manageable payment. I have spoken to family, tried to get a loan from my bank and stupidly stupidly…
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Good riddance to bad rubbish
http://www.guardian.co.uk/uk/2009/aug/05/government-warning-as-loan-sharks-jailed I wonder what the T&C;s said.I guess some people will feel the victims got what they deserved as they hadn't read the T&C's.
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Should i consolidate my 3 credit cards with an HSBC loan? - newbie PLEASE HELP!
Hello! I'm a newbie - need some advice PLEASE! I have 3 credit cards (HSBC £3750 15.8%, Halifax £2800 20.3% & Virgin £5500 18.7%) PLUS a £1000 overdraft... My current account is with HSBC too... This morning they rang & offered me a loan at 15.3% for £13000 to consolidate all my debt. I'm only paying the minium repayments…
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For my student loans must my mum declare her savings?
Moneysavers, My mum has not worked for the past 3 years and all over the direct gov website it says that these student loans are income asssessed. However when I applied to have my household income taken into account, the proof document wants my mum to put down all her savings. Im not sure if il be entitled to the…
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Very quick Q re. Loan.
Hullo, We are in a bit of trouble so have decided to go through CCCS. They are helping lots which is really helping our stress levels right now! We cancelled our direct debits to the credit cards as instructed, All fine and dandy but we have a loan taken out with the bank we are with (Barclays) they still took the money…
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colonial/chatham finance
help please!! I took out a 5 year unsecured loan with a company called colonial finance for £15,000 at the end of the 90's and got into financial difficulties in 2003 and had already been paying the loan back for 3 years or more, but i cant find my original loan agreement with the company. in 2003 i became a client of CCCS…
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Is it a loan or HP?
Last year I got a car from a garage and they got me a loan from Black Horse, I now need a 7 seater car, as have more children on the way. Can I sell the car and use the money to buy a new car and carry on paying my loan off to Black Horse? I am unsure whether it is a loan or a HP purchase as the loan was specifically for…
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Tesco Finance - Early repayment
Hi guys, wondering if someone could shed some light on this. Just had the following loan offer from Tesco: £5000 over 24 months 8.7% apr Repayments of £227.04 per month Total charge (interest): £448.96 On the agreement, it gives an early repayment example which is as follows: 'After half term has passed you will pay…
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un Welcome Finance
All, I have had a few issues with Smellcome finance recently. I fell into difficulty with my payments and they contacted me and we arranged to pay £50 a month. They asked if I would pop into the office to sign a new agreement. I never went in to the office to sign anything. I then got into a bit more finanacial difficulty…
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Sallie Mae education loan
Hi, I wonder if anyone could give me a bit of advice. I took out a Sallie Mae education loan of £1600 in December 2007 to pay for my MA tuition fees. I graduated from this course in September 2008, and was told that I will start making repayments ten months after the end of my course - around about now. However, Sallie Mae…
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can this be done????
Hi there this may sound silly but I knew you guys would know or at least be able to point me in the right directione.. I have recently took out a personal loan through barclays partner finance in which I purchased a vehicle, everything fine with the loan & the company fine to deal with so far but what I was wondering was…
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Will Lloyds TSB write off my loan I wonder?
Just a thought......as LTSB is now 43% owned by the tax payer of which I am one, can I ask them if I could 'cash in' my shares and write of my £8k loan with them????? Has anyone thought of actually putting this idea to the banks??
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Help with 2 loans on the go and NEED to move house!!
Hi was wondering if there was any help here, sugguestions of any kind??? I live in a 2 bed house with my partner and 3 children, 6, 2 and 5 months old. We have two loans, one was and 10k loan and we pay back around £230 a month and the other is 4k loan paying back around £120 a month. They both finish in 3 years. Our house…
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Paying Off Loan
Hi I've been trying to get a settlement figure from my bank for nearly a year now. I have have two further advances on my mortgage and they are different products with different interest rates. They can't or won't give me a settlement figure and I hope that someone may be able to work this out for me. Yours…
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Letter from Alliance&Leicester - FSA investigation.
Hi there, Got a letter today in regards to the recent loan I had taken out from Alliance & Leicester in 2008, well it has come to the FSA's knowledge that they were not complying and have wrongly sold loan insurance alongside all loans in a certain period outlined in the letter - Might be only branches near me, so I'm not…
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What does the following mean on my credit report:
Have just got my credit report wondered what a few things mean, hope someone can help as its really confusing me. LENDER TYPE STATUS BALANCE HALIFAX Current Account - Default - Satisfied Its paid so thats fine but what does satisfied mean as apposed to one that says settled? Does this mean that I have settled it for less…
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consolidating loans
Hi, I have jsut finished my masters, and now, thankfully, have a job with a secured income for the next few years. The problem is I have three sepearte loans to pay back, all for quite small amounts, and two overdrafts. I was wondering if it would be best to consolidate them, because the monthly repayments will be a lot :S…
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4 Discount Vouchers From Argos Site
SORRY POSTED IN WRONG FORUM The 4 vouchers are Bowl For A Pound At Hollywood Bowl Kids travel For A Pound On National Express Coaches 35% Off Holiday Inn Stay & 20% Off Food Free Starter Or Dessert At Little Chef Direct Link Here…
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£8500 - do I pay off my loan or overdraft?
Hope I have posted this in the right area! I will be coming into £8500. I have a £6000 overdraft which I would like to clear as I am starting to go over it each month. I also have a loan with a current balance of £6641.17 at £272.89 per month which I took out in June 06 and it has another 2 years to run. So what do I do,…
