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Second Charge
Hi all I am in the process of buying a share ownership property. I have some money for the deposit, but a friend of mine is helping me with personal loan. He wants me to secure the loan against the property I'm buying. My question is is that possible at all? and if yes how should I proceed? I have read that it might be…
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Problems with a loan because member of staff made a mistake.
Hi, i would like some advice in this matter if at all possible. My husband took out a £5000 loan 3 years ago with A&L, after the 3 yrs he thought he had paid it all off so he cancelled his direct debit then went into his local branch and was told that there was one payment left so he paid it in cash. But the member of…
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Fixed/Variable Rate?
I'm planning to take out a loan in order to fund my postgraduate studies, but I am unsure about whether I am better off taking a loan at a fixed or variable rate, and was hoping some people here could provide me with some advice. The fixed rate is 8.65%, and the variable rate is 7% plus base rate, and the loan has a…
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Can you pause a student loan payment?
Morning All, This is my first post on Martin's forum, however I have used the site for a while now and have found it very helpful! Thanks I am currently dealing with my debts and trying to work out a budget. I currently pay a contribution of around £80 a month towards my student loan. This is taken out of my wages directly…
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Advice on personal loan vs Credit card
I have just under £10K total owing on two credit cards, which are due to be paid by Sept or rate hikes up. I was going to transfer these debts to an existing CC (which has enough limit). Rate offered is 6 months 0% with a 3% tfer fee. I could then close the two other cards. Repaying after this time is just about doable,…
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Help Please, Voluntary Termination of Car Finance
Hi Everyone My OH has got a car on finance, which is over half way, there is only a year left on it but the car is getting on and his insurance renewal has somehow gone up ridiculous amounts even though he hasnt had an accident or anything. He has decided leasing would be a cheaper option, based on both cost of car he…
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log book loans
hi all not sure if i have put this in the right place. i have read alot about log book loans on this forum does any one have and advice on this or any success stories on getting some money back. are they still under investigstion? thanks willow70
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my kind brothers helped
my brother has kindly done a loan for me in his name but with my bank details but now im wondering if it will work anyone have an idea? just wondering so i know what to expect when the decion comes back should be ok though because he got good credit. fingers crossed!:undecided
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Bentley and cooper loans
Basically the scam is: if you give your bank details to a company they can take out money and it will take a long time to get it back and by then the company will be gone What I am shocked about is that this company BENTLEY and COOPER or BC loans, are the same company as TLG loans and Carter and Carter Financial and…
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Sainsburys Loan
Hi guys, I have a Sainsburys loan, only made one payment so far, just wondering if anyone knows whether I can make overpayments to it so that I can clear it sooner, or also whether lump sums can be paid off of it. Thanks
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Is it possible to overpay santander car finance?
This is my first new thread post and I'm not sure if this is the right place for it but here goes: I have car finance with santander where I basically pay £150 a month for 3 years then have the choice of paying a lump sum or handing the car back to the company. Because of the interest (£1466 over the 3 years) it is not…
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Yes Loans - Watchdog
I havent applied for a loan with Yes Loans but have read lots of threads about them and it angers me. Have they ever provided anyone with a loan? How come Watchdog havent investigated them? Or have they? Surely all these people being scammed is not on. I appreciate they are "loan brokers" but alot of people have said on…
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Welcome Finance re claming ppi
Hi, can anyone help please i sent welcome the survey from this site to claim my PPI back,since sending it i have received a letter asking me to fill in there questionnaire enclosed but there is no questionnaire enclosed to fill in, do i need to send another survey form or a letter. would be great full for any advice. Thank…
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Have you had any dealings with Debt Management companies?
I have... been on both sides of the spectrum! 7 years ago, I got into a bit of debt and I applied for a loan but a debt managment company called me. They asked me a series of questions about my finances like they were going to offer me a loan at the end of the call. They cold called me and told me that I would be better on…
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instant payday loans?
hello. i need cash and quick to pay off a few debts phone bills, etc. i've seen a few sites which offer quick cash loans into my bank but i am worried about fraud etc. i know the apr is high but i'm only looking to borrow abpout £200 and would pay it back as soon as i paid end of the month. question is are there any…
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Buying a car - finance or interest free credit card?
Hi everyone, I am looking to buy a 2nd hand car, probably between £6 - £7K. I was wondering if anyone can offer advice on the best way to fund this? We are unsure if the best approach would be to take out finance with the car dealership and just accept paying the interest or if it would be better value to do a money…
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Help please
Hi all, Apologies if I am writing in the wrong place, but this is the first time I have posted on here. Basically, I urgently need some help to consolidate my existing debts/creditors. I will explain further below, but consolidation is, as far as I can see, the only option I really have. The problem I have is that I have a…
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Loans with no penalties for early repayments
Hi folks, I am looking to purchase a car for about £8k to replace my existing car. I'd get about £4.5k back on my existing car and can access a further £2k in about 2 weeks time. Is there anywhere I can get a loan from where there are no penalties for early repayment but I can get a reasonble rate??? My credit rating…
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Expensive Natwest Loan!!! Help
Hi, I took out a loan in November last year for £1800 with Natwest. I have been repaying £56 a month back since then. The interest each month is between £27 and £31!! So I'm barely making a dint in the debt. Is there anything I can do to avoid getting hit with these high interest charges, I don't remember agreeing to an…
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Advice about an old loan
Hi just after some advice. I have a debt which was a loan I took out back in 2000. It went to a CCJ for £13,500 in 2001. The court ordered me to pay £50 per month to Restons Solictors. I have paid this money regularly every month since. Due to the 6 year rule the CCJ has now dropped off my credit file so I am unsure if the…
