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Loan Consolidation-Too many loans to chose from. HELP!!
Hi, I am in a bit of a mess financially. I currently have a graduate loan with Lloyds TSB with £5,265.13 remaining over the next 31months (at about 10%APR) I have then mounted up credit card and overdraft debts amounting to £5094 - I went into my bank (and because I have been running my account badly) offered a loan for…
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Comet - End of agreement, but still owe!!
I am wondering if you can help me - my Mum purchased a cooker on a 48-month agreement with Comet and has been paying £8-9 per month over the course of this, a repayment controlled by Comet. To co-inside with this, she has been paying an incredible 30+% interest, or around £7per month on interest. So now she is due to come…
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Partners loan
Hi I was wondering if anyone could please advise, my partner currently has a default on his credit report. he has an existing loan with Blackhorse and would like to consolidate these along with his overdraft does anyone know where to start thanks
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New Kitchen
A friend of mine is on benefits/ not working and wants a £1500 kichen on credit fom ikea, is she likely to get it, her credit isn't too bad .
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Advice wanted for non-English speaker
We are friends (of some two and a half years) of a Polish couple and their small son. They have little English (though rather more than we have Polish!) and have sought our help in finding a company prepared to lend them £500 to be repaid in six months. Can anyone recommend a course of application for them ? We're disabled…
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Student Loan Repayments without having had a qualification.
Hi, Sorry if someone has already asked this question or if I have placed it in the wrong thread, I have just joined. I was wondering if anyone could give me some advice regarding student loan repayments. The thing is that I was at University for 3 years but I did not complete my degree and now I have had a letter stating…
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Cancelling Car HP due to Sickness
I posted a while ago (I think September ish), as I'd just found out that my in-laws had run up a debt of in excess of £50,000 - which includes £18k of car finance. The problem we have is my father in law is seriously ill, having suffered strokes and dementia etc and possibly going into a care home. He has had the HP…
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Loan Help Please!
This is my first post on here so here goes! I don't know if this is the right place I should be asking for advice but if anyone knows of the right direction to go in I would be really grateful? First of all I got my girlfriend (at the time) to take out a loan of £3000 over 48 Months with Barclays back in January 2008 as I…
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How long to discharge title deeds if secured loan is cancelled?
How long does it usually take to discharge the security (title deeds) on a secured loan if the loan arrangement is cancelled? The loan was set-up but no funds were ever taken.
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Return of Deposit
My son put down £500.00 cash on a new car under the scrappage scheme, he then thought better of it and cancelled. Can he get his deposit back? He was not told it was non refundable and there is nothing on his order form in the terms and conditions that say it is non refundable. He spoke to CAB who were not very helpful…
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Terminating Hire Purchase Agreement Early?
Hi, Last year, in July I was given a £400 per month car allowance from the company I worked for. At the time the company seemed to be doing well, so I went out and got a car for £400 per month on Hire Purchase. The deal was we pay £400pm for 48 months, then at the end we can either pay a £7,000 final valuation fee, or walk…
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T mobile has ruined my credit report
I recently checked my credit report because I applied for a personal loan which I have since recieved. To my surprise I saw that t mobile has been defaulting me becaus I owed them 40 pounds after I switched to another operator. The thing is they never told me and never wrote to me about this so I had no idea I owed them…
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personal loan question
Hi all I have debts of £35k and need to consolidate as i am totally out of control due to the number of different creditors etc. I have been put off the secured loan thing. So I'm thinking of personal loans - but I have read that you can only borrow up to 25k. Is this in total per person or within one loan? Can I get 25k…
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Sofa with DFS - Finance with GE Money HELP PLEASE!!
Hi, I'm in desperate need of some advice. My girlfriend and I bought a sofa from DFS in May 2008, it was just over £1000 and opted to pay for it interest free over 2 years with the first payment a year later in May 2009. On our agreement this is agreed. Anyhow, it is now November 2009 and my girlfriend noticed that they…
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Less money easier to get?
As per the title? This may be an obvious question, but for example is £7k easier to get than £10k, on an unsecured loan? I keep seeing all the offers out there from lenders, where the APR rate seems to decrease at £7500 and above, so I was wondering if the criteria for a smaller loan is easier to meet below that level.…
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Personal Loan
We have a good credit rating but had a couple of rejections for a loan pay all our commitments on time who has the easiest lending criteria currently
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to consolidate or not to consolidate??Advice needed!
Hope I've put this in the right bit ths time...don't know where my last one went! Hi everyone I am in the process of doing an SOA, but have done a budget planner so do know pretty much where I'm at. As I said, I have about £35,000 of debt, to one credit card, an overdraft (which is currently double its limit so I'm being…
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to consolidate or not to consolidate??Advice needed!
Hi everyone I am in the process of doing an SOA, but have done a budget planner so do know pretty much where I'm at. As I said, I have about £35,000 of debt, to one credit card, an overdraft (which is currently double its limit so I'm being charged £150 a month every month) and the rest are personal loans. I'm lucky enough…
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Need A Loan...Have Savings But Can't Access!!
Hi, Well due to various factors I put all of my recent savings (£3000) into the AA Internet Saver account. I thought "why would they not let you touch it if the interest was 4% pa"...apparently I was wrong. I stupidly thought the rate was 4% per month. Well now I'm practially out of work and can't find another job. I have…
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PPI Query
Hi I am in the process of reclaiming PPI, and I have the original statement which confuses me somewhat. It was a HSBC Loan. For 4000 pounds and it was over 5 years. This is what the statement says: 17 Aug 04 loan drawndown #6278.18 I then make monthly payments of #104.64 for 26 months, and then I closed the loan by…
