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19 year old wants a loan
My 19 year old son wants to get a loan to buy his brother's car. He won't listen to reason and is now searching all the internet sites to see what he can borrow. He has only just got a job after refusing to work since leaving school. He has applied and been offered a credit card and its all worrying me sick. His father is…
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whats the best way to get a car loan
Looking to get a car loan for about 19K Could I get this through a credit card for me and my husband saying half each and then pay it off with the 0% rate for 15 months.??? I see sainsburys finance has apr 0f 8.9% what are my best options here???
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Trying to get a business loan but can't due to 'bad' credit.
Hi! 12 months ago I set up a DMP with the CCCS. I've made regular payments to all my creditors since then and in the meantime my business has been going from strength to strength. I'm now in a position to expand the business which will in turn increase my income meaning I can pay off my debts quicker. I have my business…
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Secured Loan
Hi, we have a secured loan attached to our property that we're struggling to pay,the mortgage company sent us an information booklet about various help with our mortgage,we want to know if they would consider Joint Equity on the secured loan?? Many Thanks RLA39
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Should I repay my student loan or make payments?
My question is, should I repay my student loan which has a balance of $4900 or make 120 payments of $57 for a total repayment of $6840? I have enough cash in savings to pay the loan outright, and have a reasonable amount leftover, and avoid the interest, but I may need the cash for living and further education in the near…
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Thinking of getting a loan to clear Credit Cards
Hi, This is my first time posting so apologies in advance if I'm posting in the wrong section! I'm thinking of getting a loan to clear some credit card debts that I ran up whilst being a student and starting out in my job. I currently have four credit cards on which i pay a totla of £278.10 each month (minimum payment) and…
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Overdraft Problem ... Interesting Issue
Hi all, Don't post often but I thought someone here might be able to help me with this. My partner has just had a solicitors letter which relates to an old debt (around 6 years ago). This debt was run up by her former partner, on there joint bank account. (He essentially refused to get her name removed from it and then ran…
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Can't get a loan - advice needed
Hi All This is my first post so please be gentle with me! I have 2 defaults from Jan 05 - one for £1300 settled in full and one which is partially settled (agreement with creditor - £142 written off). I now have a good job - c£50k pa and a mortgage, which I have had for over 3 years (c£50k positive equity). My bank Llloyds…
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Just need a clarification please?
Hi there, just wondering if anyone could clear this up for me: Basically, I missed a payment on a loan I have with Natwest (The first time in 2 years so not a regular thing!) they couldn't take it out of my account as they usually do each month as it would have taken me over my over-draft limit. I got a letter saying that…
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Partner and I would like a loan
He is a recently qualified Nurse who started his job on the 29th of March with a pre tax income of £21,000. I am a student nurse with and income of approx £6,000. We have applied for 3 loans - sainsbury's twice(once with me as first applicant once with him as first applicant) and santander. We were declined for all three.…
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Need a loan for a car
I have been driving round in an old car for the last 3 years, which hasn't been a huge issue up until now, but recently I have been spending upwards of £200 a month keeping it running. I have now been presented with yet more problems with the car and have come to the conclusion that it would make more financial sense to…
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FLM Loans
I am new to this can i ask if anyone is or as recent dealings with FLM Loans i have been offered a loan it is high interest rate but i dont have a good credit rating and you dont have to pay a fee up front, like some of the companies listed to avoid. It does however , have a good early settlemat rebate figure on the…
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Registered Charge - Whats covered by it?
Hi All, Looking for some hopefully basic advice for my mum.. In 2005 she signed a 10k Secured Business Loan [5k still outstanding] and a legal charge on her house was logged with the Land Registry. At this time she had no other credit with the bank. A number of years later a business overdraft was also set up but no other…
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extending loan to pay off credit card?
Hello, I am hoping this is in the right section but if it is wrong I apologise! :) I'm after a bit of advice please! I am in my late twenties and live with my partner in a rented house in south wales. I have a loan of £5000 at 13% with Santander (originally and Abbey loan) for my car. I am paying £167.05 pcm for three…
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Mis-sold unsecured personal loan
My wife and I:mad: took out a car loan 4 years ago for a new car, we spent a couple of hours with the dealer discussing the balloon payment at the end of the loan which was £15,000. It has now become apparent that this was an unsecured personal loan that was sold to us and not a car loan despite the fact that the document…
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paying off a loan
Hi Martin In 2007, I wrote to GE Money and explained that my financial circumstances had changed and that I would be unable to continue paying off the loan taken out in 2003, I paid them what was outstanding in the price of a fitted kitchen minus the interest. I heard nothing from them and thought that this was ok. Now 3…
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New Loan for Car £3500
hello, i just started work 2 months ago and i wonted to get a loan for 3500 for a new car. my work is not permanent, but it is for at leas 8 months and it is not through an agency it is working for a council. is there any companies that will give me this type of loan? most places i phone say i have to have been working for…
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Considering Loan options for a family emergency
Hi, I'm new to this forum. I'll try to keep my comments brief. I am in desperate need of £1000 for a family emergency, but I currently have many financial commitments (Credit Cards, Unsecured Loans), some of which are under slightly reduced arrangements. Obviously, this means I am unable to get hold of any loan from any of…
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Loan for house deposit
My husband and I want to apply for a £10K loan towards a house purchase. However we dont want it to jepordise our mortgage offer with Halifax, ie with loan companies doing credit checks flagged on our file. Can Anyone give any advice?
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Can I pay off a bank loan with a credit card?
My Mum recently had a bank loan, unknowing that the interest alone was £3600 over 5 years. I am now trying to help her pay it off sooner, does anyone know if she can pay it off with a credit card please? Or any other ideas? Thank you
