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homeowner loan
Hi ya, we've been suggestes a homeowner loan as the interest rates are so low to help pay of our credit card and car loan. it seems a good idea but know nothing about it, has anyone had experience of a homeowner loan,benefitted from it and how manageable are the payment. thanks
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Declined credit but excellent credit score
Hello, I decided that I wouldn’t mind a new car, I have an 8 year old Micra and it’s starting to show its age, I’ve had it for nearly 3 years. I’m 21 and have worked full time in the same job since I was 17. I have savings in shares which could be used to fund buying a new car but I don’t want to sell them at the moment…
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CCA Requests
Please can someone give me some advice regarding a CCA request. Can a bank, after receiving a CCA request, put the £1 toward an alleged debt? The bank says that the original CCA does not exist due to the length of time. Surely the £1 should be sent back and not just applied to the alleged debt! If I am right regarding this…
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No fee loans???
I am looking for a loan but was discharged from bankruptcy 5 years ago, I was young and stupid when i built up my debt so had no choce to go bankrupt at that time. I do not currently have any loans cards r outstanding depts but as i was declared bankrupt that stay on your record for 7 years I am struggling to get a £2,000…
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Bank screwed up
Hello everyone, could someone give me some advice as how i deal with this problem.sorry if i ramble, I have a Loan with natwest, And an authorised overdraft of 800. I recently needed a new washing machine and as interest rates have dropped since i took out my original loan asked to refinace to make this purchase. I only…
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Black Horse Offshore settlement figures
I'll try and keep the story short.....I received last Wednesday what I believe to be a very unreasonable settlement figure on a loan which I have with Black Horse. I wrote back stating I wasn't happy with the figure and enclosed a cheque for £600 (they will still have made £1500 interest) less than what they quoted and…
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MSE News: Debt write-off loophole closed by court
This is the discussion thread for the following MSE News Story: "A loophole in loan agreements which would have allowed a Cheshire couple to write off their £40,000 debt has been closed by judges at the Court of Appeal..." Read the full story: Debt write-off loophole closed by court
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Interest rate calculator
I have a loan with the CU which I am paying off quite happily. I would like to pay extra to pay the loan off quicker (this is allowed with no penalty with the CU.) Is there a very easy, idiots calculator I can use too work out that if I pay X amount I will pay the loan off in X months but if I pay X amount more I will pay…
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Help with lending money to a friend?
A friend has asked me to lend him quite a large some of money (around 2000) as he knows I have recently some some assets, and he is strapped for cash at the minute. He has told me he wants to pay me monthly and will give me a little back on top for the favour. I dont really want to lend him the money, as I know its…
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Help - churchwood
Hi can anyone offer me advice - i do have poor credit history but i have been offered an unsecured loan with Moneycall Ltd, a division of Churchwood. They say it has been agreed at a rate of 10.9% - which i know is higher that high street lenders but is also a lot less than people like me with adverse credit history - i…
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YES Loans
Retiring in January when pensions mature, which will will cover all loans and expenses. Meanwhile, albeit slightly prematurely, I have found a motorhome I want to buy at a very advantageous price. Therefore, I need a short term loan and yesterday applied to YES Loans. I had to abort the online application, because my…
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Loan to fund retraining
I am debt free but also job free (no salary) as I am on a gap year. I've decided that I don't want to go back to my old line of work and want to retrain as a self-employed plumber/electrician instead. This will take about four to six months and cost several £1000, which I don't have. It's not a huge sum and I'd like to…
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Lloyds TSB Graduate Loan
I recently applied for a £5k graduate loan with Lloyds TSB, I do bank with them, have done for 18 months or so, ran my gold account and graduate acc perfectly, depositing nearly £2800 a month into my current account, as told by the PBA i never go fully upto my overdraft and have never bounced anything or incurred a charge.…
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loan help
i took a loan for 7000 and am unable to pay this back i offerd to pay 2o per month they accpeted this but stick on 160 interest im going through dro but i dont think i can do this as i owe alot now. can banks stick on this interest?
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question regarding loans
I have a quick question for everyone regarding loans – I’m not that great when it comes to financial things etc but am able to take control of incomings/outgoings of all the accounts we have between my husband and I. Basically my husband is a dreadful spender and has no regard at all for whether there is any money in our…
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log bok loans have added £540 of charges to my account!!!help!!
Hi, I took a loan out with Log Book Loans at the beginning of the year as i was really really desperate,im just over half way through the term and i want to settle the full amount so they have sent me a statement through of what i owe and there is £540.00 worth of charges!!! these charges include phonecalls and letters @…
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help required
hi i am in a bit of a mess and need advice please .. i have a 25,000 loan with barclays wich costs me 421.00 per mth took out in 2006 also a 5,000 loan with sainsburys took out in 2008 a credit card with mbna owe 3,770 a credit card with mint owe 3,500 a credit card with capital one owe 1,300 and a credit card with…
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Friends car finance problems.
Hi All, Hope im posting in the correct area. A friend I work with is in a pickle with his car, he had asked my advice but im not sure about it. The story is – About a year ago he was in need of a new car, he has poor credit but wanted a newish car as he drives a lot of miles for work He was declined finance from a large…
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Fixed Sum Loan - Notice of Cancellation?
Quick question - I have recently taken out a fixed sum loan agreement, which is a secured loan over our property (second charge). Have just been reading the Loan Agreement and in a short sentence in one part of the sheet it states "You have no right to cancel this agreement." Is this correct on a secured loan agreement?.
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Commercial Bank Loans- £20m+ Help Needed.
Hi, I am currently doing a University assignment where I have to do calculations for a potential office development, which will cost around £20m to construct. The finance rate / borrowing rate suggested by our tutor was around 6%- which I am guessing is an average figure. Could someone suggest where I can find typical…
