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Don,t the banks like lending
Hello have just applied for a loan today and was turned down first time in our lives:confused: have never missed a payment on anything never had a problem before this just can,t understand it.
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Barclays Personal Loan - END OF TERM HELP!
Hi all, Hoping for some advice! I am finally coming to the end of my 5 year personal loan with Barclays, I called a couple of months ago to confirm the last payment would be taken out on 2nd Nov 09 and would be for £171.01 (the agreed amount I have paid every month of the loan) and it was confirmed that was correct.…
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Another Log Book Loan story.
An interesting twist on what you have all heard before. My brother gets a call from a guy claiming he has an old vehicle of his that has just tried to be repossessed. Although the vehicle does actually have an outstanding loan it has an arrangement to pay but he doesnt want to cause this new owner any bother but wonders…
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Need help with new loan for consolidating debt
Hiya well i recently applied for a new loan with my bank which was aproved yay:beer:t i applied for £1000 so that i could pay off 2 credit cards and a store card i owe: river island £230 vanquis £497 capital one £77 i thought that i would just receive the loan and then pay off the cards myself but during the phone…
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Personal Loan Vs Dealership Finance
Hi all, I am new to this so to start off i apologise if this is a re-post but i wasn't having any luck with the search function. My question is as it is in the thread title but i want to give you some of my financial history just as a matter of course for the more seasoned money wizards to get a better understanding of the…
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bank asking back for loan
Hello all, I'd really appreciate some advice. Basically, my father in law (fil) who is 65 years old took out a secured loan for £185k about 3.5 years ago with Natwest who he has banked with for 22 years. He secured the loan on a freehold property where he also runs his restaurant and has been for those 22 years. His…
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What counts against you when applying for a loan
I have seen a loan I want to apply for with Sainsbury's bank. I only want to borrow a £1000 and pay it off in a year. However, I have little savings and a permanent job. What could I do to ensure success?
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Can it be true Interest rate is 18,250,000% per annum
Imagine a case in which if you help yourself to an unauthorised overdraft of up to £2,500 the lender will charge us £5 per day until it is cleared. Let us take a worst case when we inadvertently go 1p into the red without prior permission. The payment of £5 is 500 times the amount we owe. This as a percentage of what we…
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Advice Needed: Currently starting a complaint procedure against HFC Bank
I've recently started requesting information from HFC Bank for a complete history of non-store credit loans I've taken out with them. The main purposes for instigating this complaint are: 1. I was sold a lump sum Hamilton insurance policy four years ago. I found some paperwork recently that suggested that the salesman on…
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Interest Rate on a Loan
In a newspaper advertisement that I saw recently the total cost of a loan (amount borrowed + interest) over the prescribed period as well as the APR was disclosed. However, no mention was made of the amount of the regular, weekly re-payment. If one were to wish to calculate the weekly repayment, should one use the APR as…
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bad credit loan help
Hi Im new to this site and so far finding it very helpful! Forgive me if i am repeating questions but i havent had time to search through properly! Here is my predicament... I have a very poor credit score and require a loan for debt consolidation i applied with yes loans and was accepted by Wentworth Direct which I have…
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Payment Arangement Nat West
Hi, I need your advice / help please as I'm stuck. Three years ago when things where going ok I decided to take out a loan. £18000 to be precice. I wanted to get a nice car and pay off my other loose ends. Anyway, a year later I got ill, lost my job and couldn't pay. I went to the citizens advice and they sent a letter…
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Abbey - Chasing money (?) 3years after a Full and Final Settlement
Good evening to you all, I was just wondering if anyone has come across the following? In 2006 I had some financial difficulty. I agreed a full and final settlement (about 75% of the total) on a unsecured personal loan which was accepted (they also stated they would not attempt to recover the balance). A few months later…
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Borrowing wizards.. help!
Im so confused I thought I could use your help.. its a bit complicated, but here goes.. I have a loan, at 9.9% over 5 years ( 4 years 6 months left) for 7750 pounds. I have a credit card with 0 pounds balance, who are now offering me a 0% balance transfer to my current account for 1 yesr. I can use this card up to 6,000…
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urgent help needed please !!!
hi all I was wondering if anyone could give me some advice please as i really dont know what to do about this...... I have just received a letter from lowell financial debt collectors saying that i owe them £620 from a additions catalogue a few years back. At the moment i am on a debt management plan and make regular…
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Loan - Threats of door to door debt collector
Hi, I have a stupid payday loan, to which I defaulted on last month, when I realised I couldn't make the payment I phoned them and sorted out payment for this Friday. However, today I received an un-nessesary answerphone message on my home number (which is my parents not mine) which states if payment isn't met they'll send…
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Taken out loan & the amount borrowed has tripled in just 3 years
My husband & I took out a loan in aug 06 for £10,000 this was set against our property. In the 3 years since taking out the loan we have experienced a number of very difficult months as has everybody. However the loan value has now increased 3 fold to £30,000 with a settlement figue of £17,500. I dont know what to do about…
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Change re-payment date! possible?
Hello I have a personal loan with my bank (co-op) and my payments are £197.77 pcm. I get paid 4 weekly and would like to make my repayments follow suite (4 weekly). I asked my bank if they could adjust my repayments to match my wages but they said it will affect my rate of interest so this wasnt possible. Can any one…
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Adverse credit
[COLOR="rgb(255, 0, 255)"]Hi, I am going crazy! I need a loan for a car but due to a default from 1 year agi, i am finding it hard to get a loan. Does anyone know of any GENUINE loan company who offer loans to someone under these circumstances? many thanks[/COLOR]:mad:
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Should I go for a loan or a credit card to buy a second hand car?
I'm having to buy a used car at the moment and I need to get the finance pdq for £6000. Having read through pages on this website I thought, to minimise the interest I'd have to pay, I thought I'd get a loan with a 48 month term and then pay off the balance by doing a balance transfer on to a good 0% balance transfer card,…
