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Paying Golf Fee's by DD
Im intending to join a local golf course and have the opportunity to pay the fees up by DD monthly. This DD is on a Credit charge with an apr of 6.4%. Ive had payment issues a few years ago so have 3 Defaults on my account. My payment history is good now, however I will not be able to shift these defaults for a few years…
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Credit agreement . No income
Hi , Can any one advise me if it is legal for a company to open a credit agreement for someone with no income if the person requests it ? Im talking gym membership for an adult in this case. Thank you .
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Money and depression
I am enquiring on behalf of someone else who I believe may have been provided with a loan at a time when they should not have. The basic circumstances are that they over sixty years old, on a low to medium wage, the husband of 45 years was seriously ill and not working, he was in fact slowly dying. This caused the person…
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Unhelpful bank
My son has an overdrawn current account that is being charged £5 per day, a credit card to the limit (21.9% int) and two missed monthly payments, and a personal secured loan (10.9 int) that is paid up to date and a mortgage also paid up to date. Following loss of his job he gained new employed but at significant less…
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Magic finance
arrgh i've been getting phone calls from this company so today i asked them to remove my number and the agent was really rude telling me he can't do that and that they will continue to call everyday , so needless to say i hung up but my phone rang again this time he stayed silent burping and making idiotic noises down the…
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Early settlement advice please...
Hey guys and girls I took out a loan for my car a year ago with the Funding Coporation (poor company, yes I know, but it was the only company that accepted me! and at 46.9% interest!!). Since then my credit rating has improved and I've managed to get a credit card that is interest free on purchases for a year, so I'm going…
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Harveys Credit
Hello All I purchased some furniture from Harveys in October 2009. I paid £309 on the day and got 9 months interest free credit on the remaining £1200 which has to be paid in July 2010. The goods were received in December 2009. I have the money now so wanted to get it paid off, I called Black Horse who the agreement is…
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Apr
Just got a personal loan approval from Abbey but APR is at 18.9%. Thinking of applying elsewhere. Is this wise or will it it have a negative effect on my credit score?
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easier to obtain loans.. zopa?
my friend is desperate to borrow some more money from me, but i'd rather the debt be in his name and was looking around for easier to obtain loans as he has been turned down by santander already. any ideas if zopa is easier to get a loan from than the big banks? are there any other lenders who might be willing to lend to…
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Can they seriously charge this?
I've had my car on finance for 3 years with FGA (formerly Fiat). i've just called up to request a Direct Debit collection date change and have been told that doing that incurrs a charge of £25. I used to get paid the 30th with it going out on the 7th but now being paid on the 19th means keeping the money there for 3 weeks.…
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Transfer personal loan onto credit card??
I need your help PLEASE!! - I have 4258 left on my personal loan which is being paid off sept 2012 (I pay £150 a month a present - 9.45% ANNUALLY). I have had an idea – if I put this on an interest free credit card (and continue to pay it off - £200 a month - which is £50 more a month than my personal loan monthly…
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Request from Bank to pay back Business Loan
Looking for advice please. I was a Director of a Ltd Company that went into Liquidation Dec 08. The business had an o/d facility which was guaranteed by me and a fellow director. Our bank asked us our intentions regarding repayment of outsatnding amount (circa £36k) in Jan 09 and we advised that they should see through the…
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Loan or overdraft?
Should I get a £3000 loan or overdraft that is the question? Or I might just get a £2000 loan or overdraft IF your answer is a loan should I go for high street bank or other? Natwest quoted online at one year for 3000 pounds loan only about 300 pounds extra to pay
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Is this allowed??
Hello, I would be grateful for any help. I took out a cahoot flexible loan in 2002 at an interest rate of 7.4% This type of loan has now been discontinued, although I do still have an outstanding balance. Cahoot has now put my interest rate up to 21%. I have never missed a payment but when I spoke to them I was told, due…
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Good Credit History (at last) - poor score!
Hi, Am looking for a little guidance if at all possible. I have a good credit history, did have defaults but these have fallen off my report as being over 6 years old. The one misdemeanor is a 2 payments late reported by Abbey about 11 months ago following an arrangement to pay (fell out with them over the sudden and…
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MBA funding options
Hi there guys, Asking this on behalf of my girlfriend. Basically she's going to be doing an MBA next year. The course fees are 27,000 euros so we are now looking at how she is going to fund it. We have looked at scholarships and applied for one for a living allowance. Unfortunately there isn't anything available at the…
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Debt question
Hi guys I have a friend that worked in the USA for a few years and accumulated $50,000 in debt spread over several different credit cards. Whilst he has every intention of paying paying off the debt, due to the amount of money loaned he has started to struggle. Since moving to the UK he contacted a number of the companies…
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HSBC Loan
went in to HSBC this week and explained I had the funds to clear my remaining £15600, and wanted new loan in its place for £16350 over a shorter period, was told by the bank to clear my old loan and they would sort a new loan, so paid it off this morning, checked my loan was clear and went back to the bank on their advice…
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Loan advice needed
I have search this forum but cant find any relevant posts. So, here we go. I got into credit card debt but while I was working I managed to keep up the minimum payments. On 2nd November I was layed off (it was a temporary contract). So I entered into an agreement with my debtors via CCCS. With my final pay + holiday pay…
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does anyone know what this means on my credit report
hi, i used to have a natwest bank account but it was closed down about a year ago,,,i just checked my credit report and i found this on it,,,,does it mean i owe £127 or that i have £127 in credit....thanks. Company Name / Insight Account NumberAccount TypeTermsStart BalanceCurrent Balance Natwest Bank Current Accounts (I)…
