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My situation - Quick advice needed :)
Hi all, hope you are well. I currently have a Halifax C/C which has roughly around £600 left on it. However, I've just been accepted for a santander zero card and can do a 0% balance transfer at 0% for 6 months along with the other benefits. My plan is to transfer over the BT to the santander and pay it off within the 6…
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Dam Black Horse 3 searches
A few months back in a moment of madness I was going to have a loan from Black Horse:ogot as far as them making an appointment at there office at the last minute came to my senses and cancelled,just got a copy of my credit report to find they searched my file 3 times on the same day so shows as 3 searches,have phoned them…
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Avoid 'Credit Expert' and Aspire Money
Hi all, Just a quick heads up, some of you may have this under your belts already. Credit Expert offer a 'service' where they apparently match your circumstances to loans based on info in your credit report, but without actually doing a credit search. This seems pretty cool as clearly you can gauge the market. However, if…
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Debt & Revenue Services
Hi All, Has anyone had any experience with the above company? I recieved what I wouold describe as a compliments sized bit of paper stating that they would be coming to my property on 2-3 august 2010 and I was to contact them asap. I called them (probs not the right thing to do) and they told me it was in regards to a…
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Asda Personal Loans
I took out an Asda Personal loan last August for £3000 to buy a used car for myself as my last one was on its last legs. I’m now obviously 11-12 months into this loan at which point I was advised I could increase my loan if I needed to. I went on the Asda website yesterday and it said that they were no longer doing…
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Turned down by Santander!
I got turned down for a loan by Santander, coul it be because I have a credit card with an outstanding balance of £3k with them - interest free deal? or that I said the loan was for a car? Or a reflection of my overall credit rating? Just wondered if anyone could help - is it worth my trying elsewhere or will other lenders…
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Terminating HP after Paying Half Advice
Hi, I want to know is there any kind of template letter that i need to send to the finance company to notify them i am going to hand the car back as i have paid half (once i paid them a £300 lump sum to take me to the half way point) The HP agreement says i can hand it back, will i get a default on my credit file? Thanks.
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Student loan fears
I've been getting all these really threatening letters about my old student loan from back in the mid 90s and they are kind of frightening me with stuff about making me bankrupt and arresting my wages. OK i AM on benefits so sont have any wages but am worried that they can freeze my bank account or somehting. Theres no way…
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Should I lend money to my deadbeat in-laws?
Americans are in deeper in debt than at any time in our history. For many, debt has become a critical safety valve in financial emergencies. For others, it’s a useful tool for managing the cash flow ups and downs that come from seasonal work or a job that doesn’t provide a steady income. Without mortgage debt, few people…
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Wonga: Best of a bad bunch?
During May I applied for, and was granted, a £200 loan from Wonga.com. I initially applied for the loan over 28 days, but in the event, as expected, I was able to pay earlier and the loan was repaid 9 days after I received the money. Wonga made £19 out of the deal, I got a very handy short term loan, and everyone was…
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Bank Interest Charges
It seems that savers are screaming about the low interest rates. Low interest rates are NOT good for business borrowers as they are not low due to the banks loading the interest charges over base...The margins being made by the banks are enormous. I spoke to one property developer who told me has 50m on 6.25 over base from…
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Settlement figure
Hi I have a loan and asked for a resettlement figure. I got one through the post which says * Balance of loan £10,216.80 * Less interest rebate for settling early £1267 * Amount payable £8640 So is the amount I need to repay to settle it £8640? I'm just a bit confused! Thanks
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A loan the answer?
hi, i have been pretty bad with money in the past but am sorting myself out. i have a loan for 10,000 which has a terrible interest rate. the balance is actually 10500 now. i'm paying in 300 pound a month but 170 pund is for interest. this makes it over 20% interest rate by my reckonings. do you guys think i would be best…
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Help.......Loan advice needed!
hi, i was hoping someone can help me. Im a 25yr old woman wanting to get a 5k loan to buy myself a better car. The problem is although i work over 37hrs a week i am not on a permanent contract i am just a casual between venues. How do i go getting a loan. I can guarantee i do over 37hrs a week just not on paper. I do have…
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Help
Have been with sky for approx 15 years, paying £48 p/month for sky-plus full package, Tiscali for 5 years paying £14.99 p/month for 512k broadband, with BT paying approx £25 per month for land line. Any suggestions on how to save, who to move to. Would really appreciate some advice
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Student Loan
Hi! I was wondering if anyone had any information at all that may help me? I have been working now for 5 years and I haven't paid any money off on my student loan yet, they just haven't caught up with me and to be honest i forgot all about it. Should I inform them? and if I do will they want lots of money up front? Im…
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What should I do? Need 2k..
So I'm looking to buy a new car for around 3.5k.. I have 1500 already and need the other 2k.. I also have a 2k student overdraft to pay off. I have just graduated and my halifax student overdraft stays interest free for a year from now, so the plan is to get that paid off before they start charging me! Well one option I've…
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Would a secure personal loan be the best option
Hi, Any advice would be greatly appreciated. Within the near future I will be inheriting around 45k which I plan to invest in a new business venture. Unfortunately, I don't know when these funds will be available but I would estimate within one to four months. I have recently become aware of a business opportunity which I…
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HELP ME!!!! In desperate need of a loan
Hi I am in desperate need of a loan to cover all my debt! It's getting out of hand, and I can't control it & I would like just one payment to make. I have about £10,000 of debt from credit cards, catalogues & loans. I have 6 unsatisfied CCJs (which I am paying off) and 11 defaulted accounts. I still live at home with my…
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benefits have been taken
Hi guys just got back from cashpoint as i went to get my benefits but i discovered that when i went to get the money there is a balance of zero i quickly ran home and and logged onto internet banking and saw that yes loans and wentworth finance debited £65.50 each, what do i do now because i doubt jobcentre will give me a…
