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Paying Loan Back Early or Not ????
Hi, I currently have a loan which has 15 months left on it and am considering paying it off early (with help from my nan) but not sure if it is worth it. I took a loan out for £7,000 at 15.9% APR (I know this isn't such a good rate!) but HSBC had a repayment award of 25% of the total interest paid at the end of the loan.…
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Best to apply for loan in joint or single name?
We want to consolidate our debts by getting one loan and paying the rest off. I dont know whether its best to apply in joint names, tell them of the other loans but having a better chance as we have joint income. or.. apply in my name only (most of the debt is in my partners name) just get a normal loan but i have a lower…
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Interest help for loan/hp
We have decided not to take this but I am curious. £5000 on hp for car, figures quoted where 48 months at £141 total repay £6768 Now when we asked what the interest rate was we were told 8.9% I guess they calculate interest different for cars but paying abck £1768 on £5000 seems really high. Can anyone tell em iff it…
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Magic/Enhance Finance Took 'Fee' Without Permission
Mrs enquired about a loan and was contacted by a Magic Finance and given the usual !!!!!!!!e of 'could get you a loan at this 'typical' rate. Just give us your card details....then I walked in and heard the convo and stopped her before she gave the cvv number to the card, she told them not to proceed. I then took over the…
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Will graduate loan be affected by parents' debt?
Our son has just graduated from university and is hoping to apply for a Nat West graduate loan. He is applying for jobs abroad, all of which are very well paid, so the loan is just to help him re-locate. He's already a Nat West customer (they gave him a student overdraft and credit card whilst he was at uni and he has not…
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Saving for a godchild
I wish to place a £1,000 in an account for a new godchild, and then make regulary contributions to it. I want this to be a surprise to the parents, if possible. Can anyone advise me of the best account for this.
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real personal finance loan
Hi all I have a personal loan with Real Finance and all aswell until they went bust!!! 5 months ago, the loan is now taken over by Provident so have to have a home visit each month now!!! Real are part of Provident so I hear, and its now 100 a month payment as opposed to 187!! Now while its at 0% interest rate, it says on…
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Fraudalent Loans and possible identity theft - help!
Hi everyone, Firstly, I'm not sure if this is the right forum for this, sorry if it isn't this seems like the most relevant to my problem. I need advice regarding some fraudalent loan applications done in my name and the possibilty of identity theft. Sorry if this is a long post. I received a call at my work place from…
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Will anyone grant a loan after university and before work? Help!
Our daughter has just qualified as a doctor. Thankfully, she has now secured her first post in a teaching hospital and starts August. As you can imagine, her time studying medicine at university was expensive...she took out a professional loan with a high street bank and the bank of mum & dad is now running dry too!…
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PaydayUK Scam
Ok so i'm worried i've just had my identity stolen. I was on the PaydayUK website appying for a loan. I put in all my details, and went to the next page, which asked for my account number, sort code and even my NI Number. Anyway i was daft enough to give them it. tried to go to the next page, and instead of being told if i…
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First time Loan Applicant - Advice!
Hi All, So I'm looking to pursue my MBA next Sept and in order to do I most definitely need to secure a loan. The obvious option is the NatWest MBA loan and if not, then approach my bank or 5 years, HSBC and discuss options. Now my main question is this. I had looked at my credit report almost a year back and there were 2…
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declined credit and linked account
Hi, last week I have been declined a 15k loan to consol my debts etc. I checked out my credit report afterwards and it seems that I am heavily overcommitted. I know its a tuff market getting loan etc. I have never missed payments etc. Now my wife wants a £10k loan to pay off 1 credit card and pay money back to family and…
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PC World & Creation Finance
Hi, I noticed that Creation are now handling all the finance applications in PC World and not HFC. Creation being part of Sgyma Bank tend to search Equifax for credit cards, though I noticed on the 'Who uses who' thread, that it states PC world use Creation who search Experian and Equifax. Can anyone who has shopped at PC…
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loans for poor credit
so can anyone recommend a loan company for someone with a poor credit rating please ???
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Having Cancer and trying to get help to pay loan
I have had a bank loan and took out the insurance over 7 years have now been paying it for over 3 years ive recently been diagnoised with breast cancer and about to have surgery i tried to get my finances in order b4 i go im self employed in a very small buisness i have no savings im with llyolds tsb who were very nasty to…
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Helping my sister with her debts
I'm in debt myself, but am managing it and should be debt free within a year, I'm also living okay so am feeling fine. My sister however. Has chronic depression (also known as bi-polar), bad diabetes, a husband on anti depressants, and about 65k of debt on credit cards and bank loans between them. they only just manage to…
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What is the definition?
ARRANGEMENT TO PAY I personally think, and from looking, its reducing the amount of a loan in my case from £95.12 to £90.00, that is what an arrangemnt to pay is ineffect. If I miss a payment and arrange to pay by a certain date and still dont pay to me that is missing a payment, not an arrangement to pay. Can anyone…
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Halifax gave me a payment holiday I didn't ask for!
I recently took out a personal loan with the Halifax. I was told that payment would be taken out 3 months from the loan date. Great I thought, that gives me some breathing space. Then I get my account statement and see that I have been charged interest for those months before payments were taken. I wrote to their customer…
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Yes Loans adminstration fee
I have just found that yes loans took an administration fee from me and i didnt even get a loan with them only a quote which i refused due to ridiculous APR, can anyone help with info on how to get this back its £69.50!!!!
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Welcome Finance Cowboys!!!!!
I took out a loan in july 2007 with welcome finance (£2000). Everything was going well and im due to end the loan next month. Yesterday i recived a letter from them stating that i was £850 in arrears and they were going to take me to court! I can honestly say that ive made full and accurate payments to them every month for…
