-
Cash Genie 2.5 trillion %
Just applied for a pay day advance with Cash Genie and was offered £150 as follows "Amount of Credit: £150.00 Duration of Agreement: 4 days Total Amount Repayable: £195.00 to be repaid on 26/02/2010 APR: 2,537,770,574,956%" Does that actually say 2.5 trillion percent? Wow
-
Poor credit rating - cards turned off but need a loan real quick! Advice needed!!
Hi guys, how are ya? I got myself into a bad state about 2 years ago & racked up a large amount of debt on cards. I have since done everything I can to sort myself out (moved in with my parents, stopped using cards completely etc) & since then Ive paid off over 10 grand, leaving only about 3 grand left. I have standing…
-
flm loans
hi, just wanted some advice really...my hubby has been offered a loan with flm loans for £3000 and we can't find a guarantor to help us...they called him today explaining that i could be his guarantor, even though i'm not working at the moment, currently receiving long term IB, when i also explained my credit rating isn't…
-
Creation finance Help!!!!!!!!
Hi to everyone, We need a loan of £6.500, we asked yes loans, they took there £69.50, agreed a loan in principle, they then put us through to somebody else who said we can have half the loan with a guarantor, we declined, we were told that we would get our money back, we have written to them asking for it back, not heard…
-
Hire purchase agreement on car!!
I bought a car 2 and a half years ago and stil have 2 and a half years to go before it is paid off. Recently circumstances changed, and to save a bit of money I would like to try and get rid of the car. How can I do this? If i sell it privately it would not make enough money to clear to outstanding finance (and I also dont…
-
default notice on paid loan
hi i ran into some trouble with a loan back in july 2007 this was transfered to "litigation"? team i think halifax call it. i managed to pay off the balance of this very rapidly (by jan 2008) it did not go to court or anything else. they agree with me that i did pay off this loan and are "WORKING" on removing the unpaid…
-
Car finance with different owner problems! HELP PLEASE!!
Hi there First off I hope you're all well and many thanks for looking. Me and my girl friend have a little problem. She has been with me now for a little under a year but before me she was with a fool of a guy who convinced her to get car finance in her name for him as his credit was bad. Then they split up. Until now he…
-
Paying car finance off early
About 10 months ago I took out car finance through Carcraft on a second hand car. The loan is over 5 years. I wish I had taken out an unsecured loan instead, I had planned to, but I got the hard sell and unfortunately was talked into it. The guy that sold it to me told me it was a better option if I planned to pay it off…
-
Student Loan
I graduated last summer from a 3 year course, (although i had to repeat 2 years for personal reasons.) I started in Sep 2004 and graduated Jun 2009 basically. Well throughout this time i was paid the normal amount of loan plus tuition fees, and now, 6 years after starting, i am being told someone at my Local Education…
-
Mercedes Car Finance
Hi, I was wondering if anyone could help, have been a bit behind on my car finance for mercedes due to them not being able to set up a D/D so I have been paying by internet banking, I spoke to a girl there on the 12th Feburary, she told me I owed 3 months rent and that a default notice is bing prepared, I told her that I…
-
Welcome Finance - Advice needed.
Hello, In October 2007, I bought a car through Welcome Finance. At that point, I was young and (obviously) silly, and it's a decision I have regretted ever since. I'm 28 payments of £317.20 into a 48 month loan of £8000, and I've just called for a settlement figure (they are sending in writing also), which they have quoted…
-
First Plus Question
Hi There Im sure you have answered this question many times, but there are only bits of my answer on here, and wanted to be sure before I submit my case. I took out a 5K loan with First Plus around 4 years ago. I was sold an insurance policy worth £1500 in total, but told I was able to claim this back if I did not use it.…
-
Adice Needed - Which direction to take...
Hello, I was hoping for some advice on the following. Im 21 years old and looking at buying a car within the next 6 months. Unfortunetly my credit history will be avergae, never had any credit cards, Loans etc but all bills payed etc payed on time no overdraft. I will need to borrow £5/6000 and would like to pay it off…
-
Anyone know how cheque-cashing works?
Hi all. Does anyone know how cheque cashing works? My current employer pays me by cheque, which obviously creates a lag-time between my getting "paid" and actually having the money go into my account. I'm planning to leave in the second week of March (for a new job starting on the 9th - start-date unfortunately isn't…
-
Black Horse Changing Direct Debit Date
Hi all,I have just been on the phone with black horse to try and change the date of Direct Debit which currently comes out of my account on the 16th every month. Apparently I will not be able to change the date to start on the 1st every month, unless I move the date forward i.e. Next payment will be the 1st of April,…
-
Overpayment Loan - LLoydstsb
Hi all just wandering if i could get some help. Basically, i want to pay off my loan early as i have 18 months remaning. The way i wanted to do it was to do an overpayment, leaving 1 payment to avoid the early settlement fee. I rang up lloydstsb who confirmed there is no charge for over paying, so i confirmed to the…
-
Taking Out a Loan as a Student
I'm in my final year at uni, graduating in June. Whether I pass my degree or not, I have a guaranteed job starting in July with the forces. The only thing is that right now I'm skint, no cash left. I also have a car that I need to run, but more importantly get serviced as I'm currently tempting fate with the cam belt. If…
-
Grr to Santander! Gripe about being charged to change loan payment date
:mad:I am really annoyed with Santander - I have a car loan with them, which I have just started paying for. When I tried to change the date of the month that the loan comes out on, they said it would cost me £25 to do so! This is ridiculous, I have changed other payment dates elsewhere and have not been charged. I am…
-
irresposible lending-i need advise plz
quite a few years back we foolishley took out high interest loans, the type everone should stay clear of, when i look back at the circumstances i think it was irresposible lending on there half, y husband worked for the company at the time,so it was almost a case of if we asked we got,at the time were keeping ontop of £70+…
-
Cancel Car finance - help needed.
Recently wen to the car people to purchase a car. I applied for the finance online and got a phone call to say I had been accepted. When I asked what the APR was they were unable to tell me at that time. Went to the dealership and arranged to buy a car and was told the monthly repayments, again not informed of the APR.…
