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money exchange services
MoneyXE is a USA foreign currency converter, providing financial news and money exchange services using the best exchange rates at moneyxe.com.
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Personal loan v Car finance
My wife has not long got a new car on Vauxhall fianace, however I have learnt that she's on 15.2% APR!!!!!! Its over 48 months Would it be worth taking a loan to pay this finance off at a much lower APR?? Thanks in advance
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approved nationwide personal loan yet still waiting on agreement
hi there, I have just been approved a £12,000 personal unsecured loan from nationwide over the internet,though waiting a long time for the agreement documents,are there future grounds where they can still refuse you,or am i just panicking over nothing. Whilst asking to resend the agreement thinking it may have been…
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Finance conundrum
If a finance company, cancelled a direct debit 18months in to a 36month contract, and then several payment dates later, weren't chasing you for missing payments, and there was no sign of them contacting you, or trying to establish a new contract, where would you stand? I stress its the finance company who's cancelled the…
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Which loan company to use for medium/low credit rating?
Hi, I wonder if anyone has any advice on which loan companies to try and get a loan of £1000 over 1 or 2 years - I don't have a great credit rating (a few missed /late payments in the past couple of years but have managed to get on top of this now) and I am not in an IVA or debt management. I'm not a home owner so would be…
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Unsecured Loan Advice
Hi Myself and my wife are currently looking to buy a new car as ours is almost dead! We have a small amount left on our existing car loan and are looking to get an unsecured loan of 15k. 3 of this is to pay off the rest of our existing loan. A car is off upmost importance for both mine and my wifes job and needs to be a 7…
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How can I get a loan when on benefits
A few years ago I had to give up my job when I got sick. I now have to rely on benefits to support my family. My mobility is greatly reduced so I need a car to get around, also coupled with the fact that my missus takes care of my 83yr old mum who lives 45 miles away from us. Our old Mondeo blew up last week & now we`re…
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Bad credit history loans... there are quite a few!
Hiya, Does anyone know which loan companies are best for people with a bad credit rating? i.e those which are most likely to accept you for a loan regardless of the APR? My ex bfriend has agreed to get a loan to pay me back the money he stole from me a while ago ( :mad: ) and he'll need about 6k in total, however any…
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Digging my way out of this mess
Help!! I have been struggling with lots of legacy debts for some time now, particularly on credit cards where I currently still owe £22k. I have managed to go from three cards and a loan to two cards outstanding but am really struggling to address the final two cards (with MBNA and Halifax). Realising that with the £600 a…
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Loan or mortgage for home improvements?
Hi I am doing a bit of research to see if it is worthwhile getting a loan of approx £25k for a house extension. We already have about £10k saved but this took a very long time! I've had a quick look at sainsbury's website who (in theory) would let us have £20k at 8.7% a month for £639 per month. We have a fixed rate…
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Will a small loan be a long term gain?
Hello all, I have a 'fair' credit report/record according to Credit Expert. To improve my credit score, I am considering taking out a loan for around £1000 and repaying it on time and in full over the course of a year. Benifits (as I see it): - Improve my repayment history - Credit file will have a loan repaid marked on it…
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Family using our address for loans!!
Hi all, Sorry if this is a question that gets asked all the time, but we bought our house from family a few years ago and in the past 12 months we have found that our address is being used by my sister in law (whom we bought it from), for loans etc. I’ve spoken or more specifically shouted at them to get it sorted and to…
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How to approach payday loan companies w/regard to payment plans?
Hi there, sorry for another generic query but I was struggling to find the exact advice in the search engine. I was, for a long-time, a compulsive gambler and ran up stupid debts on pretty much every available source. However, I've been in therapy and "clean" since February, and have been tackling all of my debts one by…
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New Loan Advise - Who to use
Hi, Myself and my wife have credit card debt of £7500. We would like to consolidate the whole lot into one monthly payment and close the cards etc then we know that the debt will definately be cleared in say 4 years time. That would make our finances a little easier as we currently pay 5 different cards. Any repaymant…
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JST Financial
Hi there i want to get a loan for 4000 pounds as i want to move myself and my children out of London, i dont really have a credit rating and i came across JST Financial, does anyone know if they are any good? or will they rip you off? thanks in advance x
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£15000 loan against property
Hi all i am looking for some advice and this seems like the place ....I have a property for sale well me and me brother and sister ..mum died 3 years ago and we are struggeling to sell it as its a retirement property with a maintenance fee of around £3000 a year its a one bed flat ..so has quite a few things going against…
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Car loan or use offset savings?
Would I be better to get a £4000 car loan or to use £4000 from my offset savings and pay it back into my offset savings instalments?
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Full & Final Settlement Santander/Goldfish (with Cabot)
Hi Everyone, First time poster here. Around 7 years ago i entered a debt management programme due to debts i had becoming to much for me. This is probably one of the worst things i could of done but we live & learn. This resulted in several defaults under my name which now appear to have dropped of my credit file. I have…
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Equity Release
Hi, has anyone on here ever taken Equity Release from their home? I am currently going through a divorce and the only way I can stay in the family home, is to take Equity Release to pay my husband his share. Unfortunately, if I live to a ripe old age, the loan will outstrip the value of my house and I will have nothing to…
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First Plus loans and moving house...?
Hi - not sure if this is right thread. My husband and I have low credit ratings due to massive debt problems last year which we have now dealt with with Payplan's help by setting up a DMP last year which seems to be going well. The problem now is that we have a second charge from First Plus on our property. With house…
