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Is my Credit Score Good for Car Finance?
Hi, I'm new here so first of all -: Hello to everyone! ;) I am 21, have 2 credit cards nothing owing on them, one was 0% balance transfers for 14 months paid it off etc 5 months before it was due to finish, not missed any payments. Always paid full amount on time etc. I did have one before when i had an offer for buy now…
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Help! Want a cheap loan shift!
Some years ago I took out a loan to pay off some loans. The deal was with Mint. For the past few months I have been noticing that I am payng off interest on the other loans via the Mint Loan which basically means of my £89 a month repayment, I only actually pay off a very small amount....the rest is on 'spending' ie.…
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Issues with Student Loan Company
Hi all, I decided to bite the bullet this morning and rang the SLC to find out how much I still owed them. This turned out to be a wise move as I was informed by the SLC that they only started receiving payments in May of 2006 from the Inland Revenue. To me this was absolute nonsense as a SLC payment has been leaving my…
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need help
I applied for a loan from several comapanies recently.. and they basically all turned me down cos I wasnt earning enough... But I have been accepted from Wentworth Finance On the letter they say I have to pay £59.99 to their brokers fee... whats that about? I just hope it aint a con. lol Thanks Will
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Government Car Scarpage scheme is a joke
i was interested in this deal at first then when i call each dealer garage i find out i need to be spending at least 8k wow so the governments idea of getting us out of debt and getting the car industry moving again is to get us all in debt furthur im happy to spend 4k on a car but there is no way im doing this, i…
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Template for loan to Mother in Law
I am having to give my 87 year old mother in law about 10k to get her out of a hole with a porch she has bought. (She got an unsolicited mail shot telling her she had won £10,000 in a prize draw and promptly ordered the porch from a window company that knocked on her door.:mad: I do no expect the be repaid the money in her…
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Loan - where best for consolidation?
Hi All, I'm looking for a little advice as to where I should look for a loan. I haven't applied anywhere at all, but know my bank won't lend as they looked at their system. The reason there is that I use my overdraft frequently, as well, its free (its always paid back). I have 15k of credit cards I want to clear, into one…
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Sainsburys loan
Hi There, I took out a sainsburys loan back in 2003 in stopped paying it in 2004, due to loosing my job. They tried chasing me for the money for about 6 months and havnt heard anything since. I have my Equifax and experian report and its not on there, i havnt checked callcredit yet. Can anyone tell me if Sainsburys log…
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loan with bad credit
Hello all, Im just looking for a bit of advice really after searching through lots of the old threads. Im currently looking for a loan to consolidate my credit card and overdraught, but like a lot of people I have poor credit rating. I am currently paying over the odds in interest on my cc and od and not seeming to get…
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Cheap Short Term Finance Needed - 3 months
I am purchasing a commercial property investment and need to raise additional cash for the purchase. I have £40k tied up in a bond until November 09. It will cost 60 days interest (at 7%) to withdraw this money before November. I have never borrowed money before so can anybody recomend a cheaper source of short term…
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need load URGANTLY!
EDIT: title was meant to be need LOAN urgently hello, im new here and could really do with some help and advice my partner, myself and our 14th month old daughter are at risk of becoming homless due to our current landlord not paying his mortgage and also not having permission do be renting the property out (we didnt know…
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Refused loan with good credit! Advice anyone?
Hi everyone, It's my first post on here and I would like some advice and or insight really. I graduated last year and had a student account with the halifax with a huge overdraft of £2750. I also have a £750 credit card and a £1500 credit card, of which I am paying off the minimum amount a month! I'm earning approx £1000 a…
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A&L personal loan rip off
Hi Guys Just to let you know about my experiences with A&L, we needed a loan to finance a new car (£8500) so checked out Martin's recommendations as per usual for the savvy moneysaver. anyway the best buy table shows APR 7.9%, and the link takes you to a A&L website with 7.9% showing in big letters, type in the loan…
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Credit Report question
Hi All, I recently applied for a car on finance. When the salesman was asking for my details, he said oh there is a mr x at another property with your name. This turned out to be my parents house. I asked my parents if i am still on the electrol roll at their property and they said they dont receive the card with my name…
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Help to Get my Loan Written off
Hi I recently started the process to reclaim my PPI from my loan agreement and back wrote to me and told me that they couldnt find the original agreement. I took the loan out in April 2007 but i dont know when, I am aware that the key date is 7th April. I looked at a few companies on the internet who will fight my case but…
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Old Debt letter
I recently posted a comment regarding an old debt which arfter 11 years has tried to get money from, someone kindly advised me to write them a letter (which I was given a template of), Basically the letter told them about the legislation and that they have to prove that they have been trying to chase me. I have since had a…
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Desperate Help needed Welcome Finance
Hi there, I got a car through Welcome finance on hp last October,I was made redundant in December and since then had not been able to get a job so me and my partner decided to sell the car as money was low and thought Id get a job soon enough. I didnt and am now doing an apprenticeship and am on £90 a week.They are asking…
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can make car finance repayments
hi i was wondering if any of you folk could help me out heres me story on jan 2008 i bought a car and financed it with ford credit and took the mtly repayments out over 5 years at 267 a mth since then ive lost me job and ive become self employed and only earn round 130 a wk and i cant afford to meet repayments on the car…
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Money taken from basic account by debit card by txtloan - now overdrawn
Ok I know I shouldn't have used a company like txtloan, but it seemed ok for a short term solution. However I didn't realise they wanted there money back within 7 days, I thought it was on my payday, my fault. Anyway they added £100 charges within 2 weeks so a £110 repayment for a £100 loan became £200, I refused to pay…
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Need to borrow money ! :(
hi all ive never borrowed money before and only had a credit card to pay my husbands petrol as he doesnt get the money back till the end of the month. this has always been paid off every month in full. Anyway over the last year or so i have paid for myself to gain qualifications (after spending 7 years at home with my…
