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Loan Help Required Please...(Payday loan mess)
Hello guys, im 25 ok ive get myself into a vicious circle with payday loans and as it stands i owe over £1000 on a monthly wage of £1400. Im currently just paying off the intrest to keep them at bay which is costing me £250 month. Ive confessed all to my family but they are not in a posistion to help me financially. I need…
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Need advice for a 50k loan?
Hi all, was hoping someone out here could offer me advice on getting a loan for an extension. i need to borrow 50k and the cheape option i think is to borrow with my mortgage company, they offer 4.99% interest. any advice would be much apprietiated. Thanks Colacards
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A Quick Loan Question
Hi I wonder if any of you fabulous MSE'rs can give me a bit of advice. I have a personal loan with Mint for £11,000. It was taken out in December 2006 (with first payment in Jan 07) over 72 months. My monthly payment is £249.76 and the APR is 8.3%(I also have insurance on this loan totalling £3,230.24). I would like to pay…
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How do I know if a loan's interest will be front-loaded?
Having got myself into a large amount of debt, I've ended up with two loans; one of which has an APR of around 24% :eek:. I've been doing really well over the last year: paying off my credit cards in full and paying extra on my loans. My credit rating is now really good so I was thinking it was time to look around for a…
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MYTH or FACT: A home phone line improves your credit rating?
Forgive me if this has been asked before, but is it true that having a home phone line significantly improves your credit rating? My wife and I almost exclusively use our contract mobile phones to make and receive all of our calls. Most of the calls received on our landline are junk, and I resent paying line rental for…
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Could i borrow???
Does anybody know of any loan company that would be willing to loan me around the £3000 mark to pay for my car insurance. Unfortunatly my Annual Income is £3200 (£320 per month), i am out of work but looking. Does any body have any idea? Thanks in advance
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Urgent: Buying Car with Outstanding Unpaid HP Finance
Hi, I paid deposit to a car garage for a used car last week. I was planning to pick up the car tomorrow. I checked the HPI report from RAC just now and it is showing VRM Currently showing as outstanding finance. I am not sure about whether to continue with the purchase. Just wondering what are my rights in this…
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What to do after Small Claims victory.
Someone owes me money - Obviously as the subject is that I won at the small claims court. First post so please be kind. He's now got a ccj and I don't know what to do next. I know there are several options, but I've never done this before so I wanted your opinions, if you don't mind. I've tried to list all the information…
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Best loan you can get!!
Just before last Xmas I got a virgin credit card and transferred £4K from virgin into my current accout (CASH!). I then added that to my new car deposit and bought a new car for my wife totally interest free because I could easily repay the £4K over the 16 months interest free period.:rotfl: It's now paid off. So, new car…
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Help Car Finance
I have a car on HP got it a year ago... there is still 15k on HP Now i want to trade that car in for a car at £28k.... My problem is i can only get a HP/Loan now for 12k.. i cant get £28k because they see i already have a HP for £15k Is there anything i can do.
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medically retired? can i still borrow
hi all...im recently medically retired due to a serious back injury. i have been having a look recently at taking out a loan for a new tv and computer and some other household essentials. is there any decent lending companies out there who will lend me £3000 when i am not working? i have an income of about £1500 per month…
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Loan help
Im not the most savy person when it comes to loans and credit cards, and tend to overwhelm myself with lots of avenues and consequently getting very confused. I was hoping if i explain my situation here that someone could help me. I currently have a £5,000 loan over 5 years with an APR of 8% with Lloyds TSB. Im paying back…
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Poor credit history or no credit history?
Hi all, I would really like to improve my credit rating. I was recently refused a graduate loan from my bank (HSBC). HSBC said that this was nothing to do with my behavioural score (which I took to mean the balance of my incomings/outgoings), rather my credit check failed. I was advised to obtain a copy of my credit report…
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loan for an extension
Hi I havent poste dhere much and i am after some advice,we are going to get an extension on soon but the question is how to finance it?.We have been quoted around £30k but we dont know whether to put it on our mortage as our deal is up in March or do we get a loan then add it onto our new mortage deal in march when we…
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Advice needed re: personal loan application to pay balance of car finance - HELP!!!
Okay...In May this year I got a new car and the finance I took out was roughly 10k over 5 years. Since then I have managed to accumulate almost 5k in savings (a very significant part of this came as a gift from my gran'ma). The APR on the car finance agreement was rubbish...14.9%, and I want to take out a personal loan for…
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clear off car debt
I bought my car 2.5 years ago. I signed the car finance contract inside the car showroom.... Now i have been contacted by a claims company saying that when i signed the contract it was not legal because it was not signed in a supervised area. The claims company are saying they can wipe the loan and clear the debt.Does…
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Possible?
Is it possible to get a loan even though I have had bank charge in the last 3 months? Thanks
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Help with loan repayment.
Ho everybody My other half banks with barcleys and took a loan for 3000 out over a year ago and has been paying 120 a month back without any problems meeting the repayments. I noticed that she is still 3700 in debt so it triggered my mind that she is getting seen off with something so I made her ring the bank for all the…
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Quick Decision Loans (QDL) - The Lies
Hello, I am aware there are a few posts regarding this company and what they do and frankly it's nothing short of a scam. Whatever you do, avoid them at all costs even though it is saddening that most people, like I did, will drop their guard when speaking to them because they are referred by the well-known credit…
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says gift is now a loan
My sone recently split from his partner. Unknown to us they were given a "gift", of £4000 by his partners parents, now they have split the parents are saying the gift was actually a "loan", it was made two years ago, and no attempt was made to recover any money until they split. They are threatening to take him to court…
