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Northern Rock - repaying £65k on £16k loan
Wonder if anyone else is in the same position, had 100% mortage with NR and due to relationship breakdown had to sell. Sale covers mortgage part of the agreement but as 100% mortgage £16k of the money borrowed was in form of loan linked to property. When sale goes through and the mortgage part is paid (plus the £6000 early…
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Previous tenant debts - are the bailiffs on their way?
Hi all, not sure if this is the best place for this question but here goes :) I live in a house rented from a private landlord via a lettings agency. It seems the previous tenants, 2 young gentlemen, have run up a rather large amount of debt on credit cards, loans, and other consumer credit, as well as unpaid gas and…
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Early Repayment?!?
Hi there, Long story short, need to apply for a loan to pay off a balloon at the end of a PCP deal. I’m looking at a Abbey loan which states a 30 day interest repayment penalty which doesn’t seem too bad. However, I’m wondering if I have done my sums right and whether I truly understand the way interest is calculated. This…
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Credit refused, even though I have perfect credit rating?
Hi! There's something untowards happening to me. I have what I believe to be an almost perfect credit rating: - Very good salary - Cheap rent, less than a 3rd of what I bring home (after tax!) every month - All bank accounts in the green - 2 credit cards with balance at £0 at the end every month, and all payments made in…
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Welcome Finance unsecured loan help?
Hi, I took out a loan in Jan 2007 for 2000 pounds over 36 months (at a rate of 105.97 pounds per month, totaling 3814.92). The loan was due to end in March 2010. I phoned Welcome Finance yesterday and they said that as I had missed 5 payments during the term of the loan the loan it would end in August 2010 by the time…
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Car Finance paid in full now want a "Trace Fee"
My partner purchased a car in Sept 2005 took out finance over 3 years and has paid each monthly payment on time and has completed the loan term - there are no outstanding payments due in respect of the loan. When she took out the finance she was at her mothers address and after moving in with me last year rang them to…
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is there anywhere i cann get a loan?
I earn 53k per annum, steady work in ppublic sector, i completed paying an IVA of 36k on august 1, 2009. I am recently married and paid 10k for wedding. my wife has just completed a degree but no work as of yet. I moved into new rented premises late august and pay £800 per month. i am not yet on the electoral roll , but…
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loan
I payed a loan back to my friend £10,000 does he need to pay tax on this. And if so is there a time limit, when he needs to declare this money.any help please.:beer:
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Welcome Finance query
Hi, First post so please be gentle! I have had a car loan from wfs and still have £1100 outstanding. I am being made redundant at the end of this month and will receive a very small payment which, I plan to share between my creditors. I sent wfs head office a recorded delivery letter offering them £600 as full and final…
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Car Finance
Im looking to get almost £3200 on car finance after I wrote my old car off! :mad: Now iv been struggling to get a loan through the bank (referred it) and barclays (referred it) and now some car credit company called advantage have offered me a deal..........anyone got any experience of them? 24 months of £256.30 = £6151.20…
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Help with Loan Please
Hi all, New member here with a quick question for anyone in the know about loans. I am going to apply for a loan that I need and could do with £12,000 in total but am unsure if I will get this amount, the problem is I defo need half that amount but could do with it all to pay my car finance off and save some money on…
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Loan application - Rejected
Hi Im new to MSE, was just after a bit of advice re: personnel loan. This was my first time ever applying for a loan so didnt know much info! I was rejected and later found out that I wasnt on the electoral list, so I have sorted that out and also closed down a dormat barclays account. I have however only just moved into a…
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Is there anything I can do??
I have a loan with Real Finance.....the nightmare started when I was accepted and the money went into my bank account. A couple of weeks later I had a visit from a representative of the company who began asking strange questions, it transpires the rep who originally visited to complete the application had 'manufactured' a…
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Jeremy Sutcliffe & Co Solicitors - Yorkshire Bank
Hi, I hope someone can help. My Grandad died in March 2003 apparantly with a loan oweing to the Yorkshire Bank for £8000 - my Grandads estate is now long closed and settled however a company called Jeremy Sutcliffe & Co claiming to be working on behalf of the Yorkshire Bank have now in November 2009 written to my Grandma…
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How to get credit checks removed from my file...
Hi all, I have NEVER had credit before, and here is my story! My boyfriend wanted to change my car, and took it to a dealer. They said they would like him to finance the balance over a 3 year term, and asked for my details. The finance company turned me down... My boyfriend applied for an argos card for me to try to build…
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Sainsbury Loans
Has anyone had experiance borrowing from Sainsburys? I am considering applying for a £25000 loan to clear my other loans, cards, etc. They offer 8.9% interest for terms up to 7 years, which would be good for me.
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Career Development Loan - Full Repayment
Hi, My Career Development loan repayments start at the end of the month 30/12/09 As the rate is going to be 12.9% I want to take out another loan and pay it off. Can someone please tell me how I do this? Do I take out another loan and pay it directly (im guessing to the sort code and account number on my loan statement) or…
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Car Finance/ Credit Card query
Hi guys n gals! This is my fist post so please be nice :) . I currently have a car on HP agreement with GE Money (Now Santander). I bought the car two years ago when i was a meer apprentice and have since been taken on, which involved a substantial wage increase (Yippey!). I'm now wanting to pay this car off a.s.a.p but…
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Statute Barred advice
Hey All, I wondered whether anyone can advise me on the statute barred law. A number of years ago I took out a loan with Lloyds bank but got into financial trouble being a student and over spending. I have a balance of about £2200 which defaulted Jul 2008. The last payment I made was in Feb 2004. When does this loan become…
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No proof of income loan?
Good evening. I need to take out a loan of £7k over 4 years. I visited my bank who have done 2 good loans for me in the past but they have told me that due to policy changes 'post credit-crunch' I will have to provide proof of my income. I am self-employed and have not long returned from maternity leave therefore my…
