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Sainsburys Loan - Interest Charged on Daily Basis??
i have just accepted for sainsburys loan, for £10k at 7.9 over 7 years, its for home improvements, i could have used my savings, but did not want to incase i need them for a rainy day. but i had all the intentions of paying the loan off early. so hense i was 50 50 as on most loan interest is front loaded. However after…
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rule of 78
I was wondering if anyone could help. I have a lone that has 41 payments of 209.10 left to pay and a total of 7,6620.60 left. the interest rate is 9.05% what is was wondering is is there a spread sheet or something similar to work out if it is worth paying off the loan or not. or is there an easy way to work out if how…
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MSE News: Not registered to vote? It can kill your credit score
This is the discussion thread for the following MSE News Story: "An election's on its way, so it's important you're registered to vote. Yet this also massively boosts your credit rating, as not being on the electoral roll stymies your ability to get new credit ..." Read the full story: Not registered to vote? It can kill…
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deceased father in laws loan
My father in law had a loan with Clydesdale bank. The amount outstanding was around £9000. My mother in law was also named on the loan. Upon his death, my wife contacted the bank who advised that we would be willing to continue to ensure the bank received the full monthly payments on an ongoing basis until the loan was…
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Unsecured loan?????
I have an unsecured loan. Where do i stand with it about repayments, if i cant afford it etc....and what can they do to to me credit wise?
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Cancelled a loan and trying not to be charged the admin fee
Can anyone help, I applied for a loan through Yes loans they are charging me £69.99 admin fee, this is to be taken out of my account in 2 days time. I have decided not to go ahead with the loan and so I do not want to be paying the fee so I contacted them by phone yesterday and I was laughed at, the man was extremely rude…
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Dell Personal Loan
I have previously done buy now pay later with Dell and paid it off before the time and paid the initial deposit on purchase of the laptop I wanted. Last November I took out a new agreement on a laptop for myself, it was £1299. It was buy now pay in 12 months with a 10% initial deposit. The laptop was delivered at the end…
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Early Settlement Figure
Spoke to my bank yesterday to say was considering "topping up" my personal loan with them and in doing so pay of the existing loan with them. No problems. However when i asked how much "rebate" they would allow me for early repayment of the existing loan i was told "none". Was somewhat confused because over the years I had…
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How long are loans valid
Hi all, in the past i have had a problem with gambling. I would gamble on the phone up to my credit card limit then take an unsecured loan out to pay off my credit card then try and win the money back to pay off my loan. I ended up taking so many loans out it was impossible to make the repayments. I went to see the…
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need help about miss sold loans
:mad::mad:had the claim people send me a claim pack about claiming back on miss sold loans and ppi as i no loger can find my loan agreement is it a good idea to use them as tay are a broker thay can get a copy of my loan agreement thay also charge a fee weather you get accepted by a soliciter or not witch is usualy 1 in 5…
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Really confused about refusal of car finance!
Hi all.. I just saw a few threads on here that got me thinking about a situation around 6 months ago! I already have a car on finance from a dealership. This was spread over 4 and a half years and I am around 1 year and 7 months of paying this off. I went to a dealership with my sister around september last year, so 1 year…
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Using CC to pay off loan?
I've read up on here about the possibility of using a credit card to do a 'super balance transfer' into a bank account which can then be used to pay off a loan balance. I currently owe £9450 on a personal loan (£1450 is interest) and have 4 years left on the term. The settlement figure however, is around £8000. I'm…
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Can't get a loan!!! help!!
OK, i'm in a bit of a pickle. I currently have 11k on 4 credit cards and a loan. I have a top credit score, never missed a payment and always pay more than the minimum amount for all cards. But i can't get a loan to pay them all off!! My parents are getting a divorce and the house has gone up for sale...so basically it's…
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can i get out of my Personal Guarantee on business loan
Hi i hope you can help this is my first post i took out a business loan with hsbc in 2004 for £58K to purchase a company secured against a property i owned, i have never missed a payment i sold the property in 2006 and put the profit form the sale in to an account with the loan secured against it, in 2008 the business…
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credit assured services do u know them
any body heard of credit assured services same old story been aproved for a loan thay wnt a fee has any body heard of any one accually getting a loan from them please let me know
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Please help with a loan argument with bank
Hello can anyone please help with a problem I have had with my bank. I have come into a little money and wanted to pay my loan off in full , so phoned up and asked for a early settlement figure. After a long conversation I got told an amount and also got told this hold till end of march. A few days Later I phoned up to pay…
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Standing Order date on a loan, please help!
Hi everyone, I need help! In January I started paying back my professional Studies loan with Natwest. The standing order date was for the 1st of each month. I paid the 605 pounds on January 1st and after this was cleared, I changed the standing order date to the 28th of each month (I work abroad and this allows sufficient…
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Guarantor on an flm loan what happens if i go to court?
Hi there, I extremely misguidedly agreed to be a guarantor on a friends flm loan a couple of years ago (please no judgements i know how stupid this was, i am merely here for advice as i am really desperate and have nowhere to turn) All has been well, except a couple of late payments (which we sorted out between us) until…
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credit union
hi, please can someone explain to me what a credit union is? in terms of lending? i have been on some websites and i just dont understand. am i right in thinking that you save with them and then they give you a loan? but what happens to your savings? confused, help! thanks
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wentworth direct finance
i recently appllied 4 2000 loan with this company, they asked 4 a upfront fee of 59 pound, i asked them if i was 100% going 2 get a loan and they said yes and that it is illegal 2 take any money from me if i was not accepted. i went ahead and paid the fee,they sent me a letter saying i had been accepted and then recieved a…
