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can i get a loan?
hi i dont know if ive posted this in the right section me and my wife have just moved into a property and all my money is tight, im a working man that earns £800 a month i get w/tax and c/tax. i need some advice is there any loan i can get off the social to buy things for the house and pay it back monthly,
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Lloyds settlements are they the UKs worstAre Lloyds the uks worst bank??
Hi eveyone. this is my 1st posting so please accept my appologies if I make any scew ups. My Wife took out a Lloyds / tsb personal loan inJuly 07 to funs a caravan purchase and a the very forcefull suggestion of the manager additional funds to clear her credit card. the manager also strongly suggested that she must have…
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Secured loan and moving house advise pls
Hi We have a secured loan started approx 3 years ago, since then our family has grown and now need to move house. We have found a house, got a buyer for our house, agreed mortgage in principle, got the deposit all good. The process is well on its way and after speaking with the secured loan company (first plus) they lead…
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Aged Loan
Please can you help? I took a loan out in 1993 with First National Bank - £4400. I paid almost half before unemployment etc happened. It has changed hands from Asset Link and now is with Link Financial who want to take me to court to sell my house (I have already had a CCJ against it twice in the past). The debt is now…
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Hsbc managed loan - what a con!
When I was younger (about 7 years ago) I took out a managed loan to clear existing debts.... I pay the money each month, reciently I have looked into this more and now been told it's a daily APR. I pay back £92 a month and only just realised £70 + is interest... I have just under £4000 left but can not see this ever going.…
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Borrowing Money by way of a charge on a property
I have a friend who was recently diagnosed with terminal cancer. They own a property and have over 80% equity. They wish to travel to America for the holiday of a life time but realise that if they remortgage this will affect the mortgage interest payments made by the work and pensions. The money is not being borrowed for…
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Best way to get rid of an overdraft?
HI, just trying to help a friend She currently has 2 overdrafts on graduate accounts, one at £800 and one at £600 The £800 needs clearing by the end of the month. She has been offered a £100o loan at 20 repayments of £53.65 a month. However, i thought about a 12 month interest free CC (like the Tesco one) and then using…
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Threatened with "liquidation of assets"
My girlfriend lent me some money to come out of a mortgage. We have recently split up and i have set up a direct debit to her account for £50 a month. She is not happy with this and has threatened that unless i pay her more per month she can "liquidate my assets",small claims court etc. I have every intention of paying her…
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nat west default notice
Help!!! I am at my wits end but still battling. First time I have ever been on a forum so bear with me. In short I had a loan of 10000 from natwest bank. I then ended up having a divorce and found myself homeless with no job etc etc. The loan has 2700 left to pay on it. I also had an overdraft of 3700 which the nat west…
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Who to get a loan from?
Would like to try for a personal loan, once I am on the electoral roll. Unsure who is best to try for the loan. I'm tempted to apply with Lloyds as have my main account with them, also have a credit card with them. Not sure how strict they are though, and what APR it would be. Tesco also have a reasonable rate. It's not…
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Any Other Options??????
hi im hoping i can get some good advice from you guys as too if im doing the right thing and if i have no other option. i have a natwest loan this actually only has 15 months to run on it but unfortunately 12 months ago like many others my husbands work was cut pracctically in half along with his wage. We sought advice…
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The Financial Ombudsman
with all the stories I am reading about people including myself being ripped off by brokers and other dubious individuals it occured to me that are these companies not scared off the ombudsman or the FSA cos they know that they can get into trouble with these people yet continue ripping people off but also does the…
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Student Loan
Hi Please can someone give me some advice about my Student Loan? Each month, my student loan repayment is deducted from my wage. I get an annual statement from the SL company that shows these payments (that I pay all year) are only being allocated to my student loan account once yearly (instead of a chunk each month). This…
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cancelcredit.net - need advice please
Hello i think there is another topic on this company but it is 4 months old. I have a 20k loan through GE money which dates back before april 2007 i was contacted by cancelcredit.net saying for a fee they could cancel my loan through GE due to laws that where in place that they didnt follow. According to them no credit…
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Lloyds Loans - who are ICIS?
I phoned Lloyds Bank today to get a balance on my loan. The recorded message said the loans section was run by ICIS on behalf of LLoyds. When I got through to a human I asked about ICIS and the girl was evasive, she would only say "we run the loan section for Lloyds". I asked if Lloyds paid her wages and she said "No I…
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MSE News: Experian admits online credit report delays
This is the discussion thread for the following MSE News Story: "Consumers trying to view their credit file have complained of being unable to do so instantly, despite new access rules ..." Experian admits online credit report delays
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Hire Purchase Loan - Motorcycle import - advice please
Hi My other half had a motorcycle on finance. To cut a long story short the bike broke down and when we tried to repair this bike where told we could not get parts for it due to the bike being imported. My other half had never been told at any point from the garage, finance company that the bike was imported so this came…
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Urgent dmp query needs answering pls!!
Hello, I am inthe process of considering a dmp with gemstone finance who I have heard goodreports about, however my main doubt is that I have a joint mortgage with my partner and we are due to renew it in sept as it comes to the end of it's 3 yr fixed rate, will my dmp affect this in anyway? Thank u
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redcastle recoveries. advice needed please.
Hi, Could do with a little advice conerning a debt they say we have with them. Background story- approx 5 and a half years ago my husband too out a car on hp which was later sold onto the chrysler group in part exchange for another car. Roughly a month ago we had a letter from redcastle to say the debt had been passed to…
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Changing car whilst on finance
Hi, I have a car that was bought over 5 years and I am paying £155 a month and have just paid up my 2nd year. I would really like to change the car to a diesel as I use a lot of miles going to work and back and it would work out a lot cheaper on fuel. Also I would like to get the monthly payments down to around the £125…
