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Car Finance query
I have recently taken out some car finance and at present I am reading through all the paperwork, whilst looking through I have noticed that there appears to be a difference in what was quoted over the phone and what is on the paperwork. Over the phone I was told my monthly instalments would be £157.28 without GAP…
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Student Loan / DD guarantee terms?
Hello all, I'm not sure whether this should go in the student section or the loans section ... hope this is OK. I have just received a letter this morning from SLC saying they are going to take repayments starting 10th April, which due to the bank holiday is giving me just 4 working days' notice. :( As I have sent in my…
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Payment plans
hi can anyone tell me if dixons ,currys still do there payment plans where you can buy and item then pay monthly for it ? i did this before from dixons for a new tv , but now im looking for a new laptop and they dont seem to do it anymore ???
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Credit File
My 20 Yr old Son has discovered that he cant afford the Car he would like as a New Driver without some form of cash injection to his Bank account. He needs a loan! He's lowered his ambition and has decided to start with a cheap and cheerfull for his first motor, therefore a personnal loan was applied for online for £3k.…
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Interest Free Credit
Hi all, Can anybody help me understand the impact (if any) of interest-free credit on your credit rating? Does it matter how many companies you have interest-free credit with at any one time? What are the catches with this kind of credit? Thanks, Jaffa
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Advice for Car Loans - Bad Credit
Hi, I've been unemployed for a while, but have finally been offered a decent job, but its 20 miles away, in the country, and theres no buses or trains that will get me there on time to start. I have bad credit from about 7 years ago, which I am paying off slowly (never missed a payment), and I am a home owner (who's never…
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Pounds till payday
Does anyone know how much they charge for a late payment fee? Thanks
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Do I have any options ??
Hi, I'm a bit new to this so I'm hoping someone can help !! It's a bit of a long story so please bear with me :) At the end of 2007 (before the backside fell out of the world !!) I left a very well paid job to join a small company with expansion plans in a leadership role. Unfortunately things didn't go according to plan…
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Can't get Car Finance!
Hi! Looking for a bit of advice please. I recently sold my car as the monthly insurance was skyrocketing and i didn't need something so flash as i am now living practically next door to my Job. The car was financed for £6000 through Carlyle and that was cleared with the sale of the car. When i spoke to Carlyle before…
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Unsecured Loan...with mistaken agreement
Right. Firstly, I have a headache from all this number crunching. I hate maths! Ok, so I have a personal loan with a bank who I do not wish to disclose at this time. I have been with this bank for around 5-6 years now and I had a loan with them for the first few years. I took out a new loan last year in Jan 2009 with them…
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Help please - my man has been using loans to gamble
I have recently found out that my partner has been gambling, it all came to a head a week ago, i have taken over his bank to try to sort it out. The BIG problem is ALL the loans -11 so far which i've found - are the 'payday loans' kind of loans eg. payday uk, quickquid, minicredit, tower credit, to name a few. They seem to…
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Loans for people on benefits
Loans for people on benefits If your on incapacity benefit you can not get a budgeting loan. Is there any other commercial loan provider for people on benefits.
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welcome car finance
Hi all just wondering if anyone could give me some advice?? I purchased a car which was financed by welcome finance in nov 2007, and kept up my payments with them until dec 2009 when I seperated from my partner. I called welcome and told them that I could not afford the full monthly payments at the moment, and would they…
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Sorry new to this, can someone help me, please
Hi, I have got a loan with Halifax. I started on the 25th of April 2009 for 74 months and an annual rate of 8.44%. The amount of credit that I borrow is £11,098, now I owe them £10,137.49 and that figure will be until the 29th of this month. Every month I pay £197.98 and the interest each month change from 75.75 to 69.51…
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HSBC Managed Loan
Hi All, I took out a managed loan a couple of years ago, as I was in a bit of financial trouble (and if truth be told, a little bit naive about what I was getting into). Anyway, I was getting by making the monthly repayments without a problem until September 2009 when I was made redundant with little to no notice. I was…
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Car finance query
Hi all, I currently have a HP agreement on my car at £310 pcm, which I am 18 months into (42 month term). At the time of taking out the agreement the finance manager in the dealership told me that there would be a point at which I could just walk away from the agreement at no extra cost. I am now in a position where that…
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Stolen Mobile Phone
Hi, don't know if this is the correct place but I would really appreciate some help... Me and my friend have just got back from a night out where her new contract phone was stolen- a Blackberry Storm 2. She had opted in for insurance, but has only had it for two weeks and has yet to make her first payment... does anyone…
