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Reducing loan amount
I currently have a car loan running with a balance of £8k remaining. There are about 50 monthly payments left. I always had the intention of paying it off early. I usually have some cash spare each month and just wondering whether to make one-off extra payments or whether to put money away into a savings account until I…
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Can I place a 2nd charge..?
Hi all, 1st post and probably in the wrong section, sorry for that I did have a look round the forum but couldn't see a suitable place... So, here's our sitituation, my partner and I have been together six years. She had two boys from a previous relationship. When they split up they signed an agreement witnessed by their…
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Final Settlement - Lloyds TSB, Advice Please.
Hi all, Some advice please - I've been inconsistent with repayments to a loan taken out with Lloyds Tsb just over a year ago and had my account in 'Collections' for about 8 months. Recently i recieved a letter offering a final settlement on the loan, the loan is currently totalled at £1475 and after some negotiation…
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Car finance help needed
I have just wrote my car off last weekend and need a new car now....Iv not much cash so need finance. Anyway I went to Abbey and asked for £6k, they referred it for 2 days and have now said 'NO'. Does anyone know of a decent firm that are likely to lend me the cash? I have quite abit of outstanding cards etc but 99% have…
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£3,000 as cash - credit card or loan?
Hi all.. I need to raise £3,000 to be useable as cash pretty quickly. I have no credit card debt, have good credit and no other loans, just a mortgage. I'm in full time employment and can clear the debt witin a couple of months, it's just that I have no spare capital at the moment, so need to borrow it from somewhere. The…
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Zebra finance ltd
i had two loans with this company, one which has been paid off and another which has a ccj against it, not that i am trying to avoid payment of the ccj. but i was looking on the fsa website and noticed that they are no longer authorised by the fsa. what does this mean and should/do i still have to pay.…
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Appealing a loan rejection?
I need some advice on how to appeal a loan rejection. Prior to a lengthy period of unemployment last year, I was managing my outstanding credit pretty well. When I was made unemployed, I contacted all of my creditors and pretty much none of them were willing to do anything to help me. So, now I'm back in employment (which…
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Credit Card or Loan?!?
Okay. I have a loan with lloyds for £1700 (not sure about interest right now but can get it). I'm paying this for another 2 years at £81 a month (incuding payment protection). I looked to Zopa to get a loan for £2300, this would pay off my current loan, £500 for my credit card and a little extra for xmas, all for £77 a…
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Co-Operative Bank email address
Does anyone have an email address that I can contact the Co-Operative Bank on?
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Loan Acceptance Charges
Hi When taking out a loan if there is a loan acceptance charge involved should this charge be added to the total amount of credit? I am asking as depending on whether it should be added or not will determine whether the APR and monthly payments have been calculated correctly. Thanks
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Car loan / default help needed
Whilst visiting my mother today, there was a knock at the door. There was a man there asking for my sister (thankfully she was out) and he was from Black Horse finance, which I know her car is through. I text her giving her the heads up on the cisit and said if your in the brown stuff, best let us know. She admits shes 2…
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Missing Student loan repayments 08/09
Hi, 08/09 was my first full year of repaying my student loan through employment and I have been deducted these payments through my payslips. On the annual student loans statement received in June 09 there was no mention of my repayments in 08/09, however it did state that they will reissue a statement if any payments are…
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How to work out interest on Loan APR
New to this but I am trying to find out is there a calculation i can use to estimate the total amount of interest payable on a loan. Currently I have a loan for £7380 for a conservatory which is payable over 8 years at a rate of 19.9APR (high i now) but i was on one of those buy now pay next years offers and now its time…
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I need a Loan or private investor
Hi everyone im Phillip from reading in Berkshire and I need a Loan or private investors that I do not have to pay no hidden cost or fees at all and will give me time to pay back the loan or private investor over 10 yrs please only contact me if you can help me or dont bother, amount I need £50000 to buy ten rent to own…
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Please stay away from flm loans
MSE Official Insert: Don't take out a Payday loan unless you've read our Payday Loans guide first. ---- I foolishly agreed to be a guarantor for a family member for FLM Loans. Please do not go near this company! They will harrass you, phone you, [TEXT DELETED]. Refuse to discuss any financial hardship with a Counselling…
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Whats the worst that can happen from not paying unsecured loan
Hi i have a unsecured personal loan. I dont really own anything except some clothes and the computer im writing this on. i dont want to pay the loan 1 due to principles (as i explained in a previous thread) and 2 because i just cant afford them anymore. whats the very worst that can happen if i simply refuse to pay,…
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Repssession court hearing
Can anyone advise me if i am going to be repossessed or i just have to attend a court hearing and show i am able to meet the original payments. The reason i ask is on the 5 novemeber 2009 i recieved a letter from the solicitors of Central Trust plc who explained i had to pay within 15 days. I have a £9500 secured loan, of…
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Have I got an OK deal?
I have applied for my first ever loan. I borrowed 5k from Sainsburys. They accepted me, but the rate was at 10.8% APR (instead of the 8.8% on their website) with a courier fee of £49 to have the cheque delivered to me Monday evening. Have I made the right decision? Should I try and apply to Tesco to see if they offer me…
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Loans Fiesta
Hi, recently i was worried about my finances. I was getting caught out at the end of months with Direct Debits...plus i took some bad advice on a credit card which i was in arrears with. So i decided to goto the above, who gave me the promise of the monies i needed to pay off my current debt with some left over for…
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Porsche HP finance - transfer?
I took out a HP finance agreement for my old girl on a Porsche. I’m relatively young but have a sparkling credit history and thus getting a 40 grand car in my name was simple enough. However I’m reaching a stage where I want to get a mortgage but with this large finance agreement looming over my head, it is going to be a…
