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Payday Loans
I use payday loans quite regularly for whatever reason, I always pay them back on time and understand why they are so high in interest, however one thing about payday loans that i've noticed is they never inform anyone you payback on time, they are quite happy to do a credit search on you but are not willing to advise any…
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Car reposession
Hi All I had a car repossessed in march
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argh can welcome do this
i'm paying back my car loan £5 a week which is £20pcm but they said they have to ring me once a month to see if i can up my payment, but if i remember rightly they charge £10 a phone call and like this month they have rang me but i was not in and left a message on the machine so all the £20 i will pay this month will go…
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Advice re; interest free finance agreement
Hi Back in April i purchased some new bathroom furniture from the Bathstore. They said they could offer 12 month interest free payment terms so i agreed and signed the credit agreement on 5th April. They said they would send the agreement to their finance company and the first payment would come out in approx 4 weeks after…
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Consolidation Loans
Between my partner and I we have about £12K debt: £5K Mastercard; £4K bank loan; £3K overdraft which sees us shell out over £300 a month in repayments. I earn about £40K a year but our credit rating isn't particularly good. We have two young children and rent eats up about half my take home pay so money is very tight. I…
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The Instructor College/Apex Credit Management
Hi everyone, I'm writing here because I'm at the end of my tether and I don't know where else to turn. In Nov 2006, I signed up for a course with The Instructor College and took out their finance. Later the same day, I changed my mind and called the College (where I signed the paperwork) to ask them how I go about…
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Paying A Loan Off
I've come into some money and now want to pay off my First Direct loan. The money is in my Barclays account so I said I could pay it now. Easy I thought? Not so though. After they gave me a settlement figure I was told that I had to put the money into my FD account before it could be paid. I can do this but why wont they…
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Abbey / A&L to Santander
Hi - sorry if this is in the wrong area but I couldn't find a bit for current accounts! I have an account with both A&L and the Abbey - and they have all now been moved to Santander. I had an overdraft on both accounts - the Abbey one had a monthly interest charge (12.9% apr i think) and the A&L overdraft just had a usage…
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please could someone check this agreement!!
hi all please could one of you helpful, knowledgable peeps take a look at this agreement and check if it is valid or not many thanks http://i989.photobucket.com/albums/af18/dazzawin/cooploan.jpg http://i989.photobucket.com/albums/af18/dazzawin/cooploan2.jpg
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Probationary Period and Loans...
Hi All, I'm looking for some advice on this. Would being three months off finishing your probationary period in work be a problem in getting a loan improved? I'm looking to borrow just over £20,000 Any information would be very much appreciated. Thanks, Cuppatea1982
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HELP! Serious Advice Urgently Required.
Hi. Bear with me as this is complicated, but I need realistic, proper advice about my options and where I go from here. I took out a loan via a car dealerships for a Ford Focus. After a month or so, there were numerous problems and I told them I wanted to exchange the vehicle for another. I knew this would cost me more in…
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quick bit of advice needed :)
Hey guys, To cut a long story short, I'm going to be refinancing my loan with Halifax (as long as I manage to sell my car...any takers for a 56 plate Ford Fiesta!?) in the next 8 weeks. The reason is...I'm returning to university after taking some time out. I'm hopefully going to sell my car for 5k, and obviously pay off…
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Student Loan - worried about increase in sept
I am starting a new job, earning £23500pa. Worked out at present will pay £63 student loan per month and I am worrried how much I will have to pay in Sept if it goes to 4.4%? Any idea how much this would increase the £63?
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Welcome Finance settlement paid, help needed.
I was looking for a bit of advice. I settled a welcome finance loan in Jan 2008 and am still waiting for this to be shown as satisfied/settled on my credit file. I have rang and wrote to them numerous times and still nothing has been sent to me or amended on my file. I rang today and the staff member suggested writing to…
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Need advice please!
Me and my partner are moving into a new rented property on 2nd August. Due to a number of unforeseen expenditures we don't have enough money together to pay the full amount for deposit and first months rent. We have been looking at ways to lend money but seem to be getting turned down at every avenue. Neither of us have a…
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Loan for an employed 19 year old
Hi, I will be 20 on the 25th July and i am currently looking for a loan to purchase a car. I would like to loan £2,500 but on checking websites the interest rate is either too high or I will not be cosidered because of my circumstances. I have been in full time employment for the last year, earning a salary of £12,500 per…
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Applying for a loan between jobs?
I'm looking for work right now but need to take out a £2k loan to help me cover rent, bills etc until I find a new job. The loan I would apply for requires no repayments for three months, so that by the time I need to make my first repayment I will be back in work. I have a good credit rating, and no other loans at the…
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Natwest PPI Chargers, need help pls!?!?!
Hi there, I recently only just found out about these PPI charges and reclaiming them back, and a few months ago i called natwest to try to get these stopped, they told me i had to fill a form out to stop the chargers and i couldn't just consent to stopping it over the form. I sent the form back signed etc and still the…
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HSBC Loan
Not sure if I have a case or not with this but thought I would ask anyway. About 6 months ago things were pretty hard up and one month I was around £600 down for that month (a million and one things all in the same month came out of nowhere). I spoke to my bank about a possible temporary over draft to cover myself for the…
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Purpose of loan - does it matter?
Thinking of getting a loan for a car, therefore does it matter if you say its for Used or New car? in fact, does it matter what purpose the loan is for?
