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HSBC Managed Loan
Hi all, I have an HSBC Managed Loan (current balance about £2,900), and have had it since April 2004. I have never defaulted on a payment. I'm paying in £70 per month, and this money is covered by my Child Benefit. Realising that I'm going to be paying this off for at least another four years, I spoke to HSBC. I have…
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Black Horse Loan Please Help Urgent
Three years ago I took out a loan to consolodate a few debts including a car loan, and for home conversion with Black Horthe cheque had been cashed. I requested copies of the cheques se. About a month later I was contacted by the car loan company chasing for payment, I told them the f & f settlement had been posted to…
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Please help I don't understand :o(
To cut a VERY long story short.. I was contacted by my secure loan company and told I owe £326 as I was in arrers - much to my surprise as I pay EVERY month by DD (They they set up at the begining) Turns out they confirm I have paid every month BUT the first DD payment was set up wrong and went out on the 3rd Sept 2007…
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Consolidation loan yes or no?
Hi everyone, hope someone can help with this. I currently have the following debts: overdraft - £2750 maxed out Halifax credit card 1 - £600 maxed out Halifax credit card 2 - £1500 - £1200 owed student loans - £765 manchester uni - £1500 I'm currently paying the following: overdraft nothing at all (due to expire August)…
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Shop Direct Unknown Accounts
Hi all. I'm very sorry if the loans board is not the right place for this, I really don't know where else to go! Upon checking my credit report recently, I have discovered 2 unknown shopping accounts from Shop Direct. I have a feeling that these are accounts that were meant to become IBCs, but the paperwork I sent back got…
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Payday loan company has cleared my account, what do I do?
I (foolishly) took out a payday loan with THL Direct for £255 last year and failed to make the repayments as I fell faster and faster in to debt, I wrote to them to advise them of this and they were understanding enough and accepted my proposal to repay just £25 a month, I did this for 3 months and then fell behind again.…
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Can i get a loan?
Hi, I have a very good credit rating but i have been without a job for 6 months now (i saved up before hand). Although i have done a small bit of freelancing since then. Is there any chance of me getting a loan for 7k? (Me and my sister want to buy a small cafe). Please let me know if you need any more information from me!…
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Confused about total outstanding
Hello I understand there are early repayment charges on loans (2 months interest on mine) but I'm not sure about other matters. For example; If I take a £10,000 loan over 5 years with a total amount to pay of £13,000 (I'm just using round fig to make it easy) I understand that interest will be a bigger proportion of the…
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Small Loan
Hi I need a small loan of about £600 which can be paid back over 6 months to a year. Has anyone got any reccomendations on where I could get a loan like this. I was thinking a credit card but need it as cash as I'm buying a scooter for work. Buzz
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Black Horse Loan
Hi I am hoping you can help. I have made a mess of my credit card with a debit of £12, 500. I approached Black Horse who have offered me a loan to clear the debit(£13,000) the APR being 12.9% is this a good rate over 5 years. Borrowing 13K paying back £17,478.60? is this good?:o
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Personal guarantee with RBS
I have a personal guarantee with RBS for a business loan and even though I am repaying the loan interest, they are requesting I pay back the guarantee, as I am selling my house and will have the funds (destined for another business venture). Can they do this when I have done nothing wrong, never missed a payment and have…
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credit cards
hi i have MBNA,HALIFAX,AQUA CREDIT CARDS AND IN THAT I HAVE CLEARED MBNA AND AQUA BY BALANCE TRANF FORM HALIFAX, BUT PREVIOUSLY I USED TO PAY PPI FOR ALL THE CARDS BUT A YEAR BEFORE I HAVE STOPPED THE PPI, SO IS THERE ANY CHANCE OF RECLAIMING MY PPI BACK. MANY THX MADHU
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Interest from loan 5 years ago
Help - we are getting worn down!! The short version - 5 years ago we were going to remortgage to get £25k but were adivsed by our bank account advisor (as we are platinum card customers) that we could get £25k interest free, if we paid the loan back within 3 months we wouldn't have to pay interest. We did this and then…
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Is interest included in the quote?
For example, Zopa is saying a 2K loan over 60 months would cost 43.54 - would you then pay 11.6% interest on top of that or is it included?
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welcome loans
has anybody had any problems with this company woluld like too know befor i pay out loan fee :money:
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Refused Finance?
So 4 years ago I took out a car on finance with a baloon payment at the end, the day has come when now this payment is due so as always planned I would return to the dealer and PART EX my car in for a newer model. I went yesterday and picked what model and did all the deposit, paperwork etc, today they call me to say my…
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loan fees
has anyone else had to pay a loan fee befor u get your money
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Aspire
Can anybody tell me if they have heard of Aspire finance. After I did a reduce my bills on experian these people have started ringing me. Now I have read lots of info on loan brokers and do not intend to get caught up in any dodgy deals. Have tried googling them but not a lot comes up Thanks
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Been turned down, is it worth trying again?
Has anyone had success in re-applying for a loan when turned down? I've just been rejected by the CO-OP on the grounds of affordability and that my finances would be overstretched. This would be true, if this was for anything other than a reconsolidation of existing debts, but its not. The CO-OP have the standard statement…
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Loan for single mother on benefits
A friend of mine is a single mother to 2 young kids. She receives benefits, and is looking for a loan of about 3k to get her out the hole she is in. Can anybody recommend a company please?
