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Natwaste loan
I have a question or three about my loan.. I took the loan out in 2007, it should be paid up next year and i have been very good with downloading the statements but from what i can add up on the statements and what my online account says i owe, there is roughly £800 difference. I have taken into account the agreed interest…
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Vodafone mobile contract
Hi, I applied to get a contract with vodafone for the new iphone 4 and got refused due to not passing the credit check. They said if i wanted to know why i could visit experian and look up my report. I have done this and my file is absolutely spotless. I have just turned 18, have no history of credit whatsoever. However,…
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HELP!! Welcome Car Finance trouble
Hi, I am a newbie to all this and I am so desperate for some advice! Here is my hopefully short story!? I got a car from WCF in 2007 and basically ever since I got this home I have nothing but troubles with it. I have put in a complaint with WF because it now has come to the last straw where a problem with the car has left…
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Can someone explain this loan
My wife went to the bank today in order to get a £12,000 loan out to clear our debts into one monthly payement Whilst there she was quoted £247 per month which is roughly APR of around 9.9%. Our experian credit score was 808 points which is apparently the national average We both work full time and i work another partime.…
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Loan Co/Broker
Has anyone heard of CreditFlex, a friend of mine applied for a loan on beat that quote .com and this co rang back.
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Will any lenders actually give a £25k unsecured loan? If not what is the max?
I have an excellent credit rating - score of 999. I am not a home owner though.
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car finance
can anyone tell me if charges on a car finance aggreement are considered part of the actual amount loaned? i have my aggreement finishing soon but i have charges of £175 on top, this is due to them messing my payment dates up, then taking twice the amount and not issuing a refund and various things they have done, i have…
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Applying for credit
Sorry if I've placed this in the wrong area wasn't quite sure where it sits! I recently moved to a new flat (moving out of my parents) and it appears my electoral roll information has now been updated to my new address, which is all well and good. I have not yet got around to updating my home address at the bank, and while…
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Another Trick I wasn't aware of! VW finance
Hello everyone: I bought a car two years ago taking advantage of the dealer's own cheaper interest rate and started paying it off monthly. The deal will end in October 2011 by which time I will have paid the car off. There is roughly £3000 left to pay of this. So naturally I thought I can pay it off on my credit card and…
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Loan early repayment
hi, I have been offered loan of 25000 for 10 year at APR 16% and my monthly instalment is £436. There is no fee for early repayment. If I want to pay off the loan after two years will I have to pay the full amount which I would of been charged in ten years or will it be recalculated.
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A&L Loan headache
I hope someone can shed some light on the following as I am sturggling to understand. I got accepted for an A&L loan of £6,750 at 12.7%. A couple of days after the paperwork arrived I realised we actually needed £8,000 (wedding!!). I phoned A&L and asked them to tell me what the monthly payments would be on the higher…
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More cards, loan or remortgage?
This is our current financial situation: MBNA Platinum Visa Card: £7,196.57 Virgin Money Standard Mastercard: £4,008.16 Barclaycard Platinum Simplicity £2,177.27 total: £13,382.00 We are looking to get another £5,000 on top of this for a car; which woulkd give a total debt of: £18,382 We are able to pay up to £500 per…
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Loan for my partners new car
I'm considering getting a £5k loan yo get my oh a new car, he can't do it himself due to rubbish credit. To keep myself protected if (which I hope we don't) split up I'm thinking of doing a written contract between us for the loan repayment. So if we did split he'd still have to pay me each month for the loan. Would this…
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Ppi
I have two loans I am paying off at reduced amounts to the original figure, as part of an agreement with the banks. However I am still as far as I know paying for the PPI. Do I have the right to cancel the PPI's as this would reduce my overall amounts, and more would be going towards the loans. Also I am self employed so…
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PPI Query
whoops sorry moved my thread
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Personal loan and hire purchase
Hi all I have £5000 left on a personal loan i got for a car a few years ago, i now want to change the car have been told trade in £1600, prob get more private up to £3000. The salesman told me i cant get hire purchase on a new car if i want to put the difference left off the personal loan onto the hire purchase agreement…
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log book loans
help help help I was so desperate and stupid last Christmas I took out a log book loan on my car for £1000. I was paying roughly £38.00 a week for 78 weeks Unfortunately Ive been really ill with depresion from may and have fell behind with my repayments. Im now around £400 behind... To stop reposession i need to pay aprox…
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Pre-loaded interest skewing credit file
Hi I have a Tesco (RBS) loan for £25k but when it first appeared on my credit file, the amount shown was £33k (the full amount due under the agreement). I have never seen this done before on any other account. This will look artificially high to anyone else looking at my file. Is this normal / acceptable? It's almost as if…
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Terminating a Car Loan (3 Year Deal), Info Needed.
I have been to see about swapping my car but I have £3000 negative equity. However, the Renault Car Salesman says as I am over 18 months in to Peugeot Passport 3 Year Deal so can terminate my deal with Peugeot simply by writing to them. My Peugeot cost £12k and the agreement says I need to have paid £6k to terminate.…
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Voluntary Termination - Unregulated?
Hello all, new to the site and after some help!! i bought a car from BMW back in Dec 2007, i had a 3 year deal and it is up in 4 months time, the problem is the balloon payment is more than the car is worth so i would ideally like to go down the Voluntary Termination route ASAP. i have rang BMW Finance and they tell me…
