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Could I get a loan?
Okay. I am just curious so I thought Id ask those who know a little more than myself. Right. I was just wondering whether there is any chance that I would be accepted for a loan? So far, from looks of it, I have a good credit rating ... well thats what is says online. Now, I have a bank account and a mobile contract only.…
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Loan enforcable?
I have a loan running for 5 years. The agreements has divided the total amount lent by 60 months to come up with the monthly repayment. Even though the interest is 7.9% they haven't factored the interest into the monthly repayment. The loan agreement I have isnt dated or signed by either me or the bank. Is this enforcable?…
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Confusing letter from Barclays - can you make sense of it?
Hello, In April 2005 I took out a graduate loan with Barclays for £10k. They added PPI onto this, but I didn't ask for it, so in January 2006 I visited the branch (when I realised) and asked the bank to remove the PPI. They did this - and set up a new loan to replace the old one, but without the PPI. They said that they…
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Reduced Loan Settlement
My mother who has a large loan with Lloyds bank, was offerred a highly reduced settlement amount a few months ago if it could be paid off quickly (Set timescale), which was not taken advantage, however do you think they would still honour the offer even though its a few months down the line?
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Help with loans
Hi, I have quite a big problem. Basically i've fallen behind on my credit card and my overdraft due to having some difficulties meeting payments, losing my bank card so having to cancel everything, and just being bad with money. I sat down with an advisor in an advice centre to go through everything, they told me my best…
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FOrd less than 0% finance too good to be true?
I am in the market for a new car, so have started looking, nothing else. I went to Ford and enquired about finance, purely out of interest and went through a typical sale example. They have told me about a less than 0% finance, which I find too good to be true. I'd like some opinions, and hopefully maybe some people can…
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blemain finance warning post - BEWARE
just a warning to all of you considering blemain finance as a loan company. i made the huge mistake of using this company , reccommended to me by ocean finance. the company insist i take out a joint loan with my wife. i thought nothing of this -until i missed a payment. what blemain do is their small print states that they…
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Job at risk notice and loans
I sadly have had a meeting today where i learnt my job is at risk, I have 2 credit cards and 1 loan "along side" of my mortgage. In a worst case and i get a redundancy package obviously I should pay off my zero rate credit cards as they soon run out. Should I pay the big loan attached to the mortgage off leaving me with…
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loan or credit card?
im a 18 yr old & just passed my driving test, i have enough money for a car but none, for insurance, i want to do it off my own back without mummy or daddy so to speak. i have a job n also go college. wht im thinking is either gettin a credit card with no intrest for say 8 months pay for it on tht & then cut the card up n…
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wanting to borrow for a car
Hi Everyone I would like to borrow around £10.000-£12,000 ,as I have £14,000 outstanding on an interest only mortgage ,my thought is to borrow more on my mortgage & then overpay to the max each year(2,500 I think ????)in which case I should have reapaid the extra borrowing in 4 years ish,then continue doing the same to…
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Rule of 78 & First Plus
My first post... (Though I think I added in in the wrong section initially .D'oh!) Hi folks – I’ll give as much info as I can! – Yes its good old First Plus or UK Lending as I see they call themselves now – (like Guantanamo Bay re-branding itself as Cuban Secluded Sunshine Resorts!) Anyway, I took out a FP loan for £60,000…
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Car Finance Proposal
Now I am looking at buying a car for about 10k I do have all my accounts up to date ones I have paid off I will close before I apply to boost my chances of getting accepted. I am a tenant, 30 years old and have only been at my address for 2yrs on the voters!, I dont have a home phone number, I have recently become self…
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old style student loan problem
Left university in 1997 and took out last student loan in dec 1996. Haven't heard anything for years and 2 weeks ago received annual statement. Sent letter back quoting statute of limitation and 6 year rule, only to receive a letter today telling me they gt a ccj against me in july 2005 so they can enforce the debt. Nvere…
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savings and investments
Hi all, Can anybody give me advice on investments, like the best bonds to buy or the best savings accounts where as you are not restricted to continue putting money into the account each month. If anybody can advise, It will be greatly appreciated.
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New Loan
Hiya, I would be really grateful for some peoples help. I am not badly in debt but i AM in debt and it is getting me down and it is all my own fault but I really want and need to get it sorted. I will list everything I have got below and my rough amounts outstanding: Littlewoods - £60 Next - £350 Barclays Overdraft - £760…
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Is there any chance on earth that Id get a loan??
Hi all Hope you can help? Basically over the years Ive kinda slipped more and more into debt. Anyway last year I was on a really low income and struggling to cope with my debts which resulted in a couple of CCJs and quite a few default notices etc....so I contacted B&E and set up an agreement with them. As you can imagine…
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Unauthorised debit payment to Debt Line
Hi there everyone, wish i was posting under happier circumstances. Myself and my fianc! have been struggling for the last 18 months with payments and bills as we are both part time minimum wage earners (30 hours pw, £5.85 ph). To try and clear debts and put a little aside for our wedding in 2 years we tried to get a loan…
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Attending Final Charging Order Case myself?
Hi, I recentley succesfully placed an interim Charging Order against someone who owes me money. The Final Hearing has been set for next month and I am unsure as to whether to attend myself or pay my solicitor to attend. I have no idea how much the solicitor will charge but feel that I am throwing good money after bad at…
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HELP! Citi have transferred my loan to Moneyway??
Hi, Advice is needed please! I have a loan with Citi. Direct debit due on the 15th of each month. Last month my loan payment was taken out, then returned the same day. Citi sent me a letter apologising profusely and explaining they had returned my money. Expecting loan to be taken out as usual yesterday and nothing. I have…
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Dixons Finance?
Just bought a TV using Dixons Finance as mine unexpectedly failed. Whilst I do have £728 for the model I wanted I noticed on their website that they were doing finance - deposit of 10% + 6monthly payments and pay the balance with no interest or continue paying the monthly payments. My question is (having never used finance…
