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Help! Creditor would rather harrass than let me pay
I want to finish repaying my loan by making a final payment of £ 4,000. But my creditor is a private individual who wants me to pay the money in pesos currency to a bank account she holds in Asia. (We are both from Asia). She informed me that she has closed her London bank account, therefore I cannot pay into that any…
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Which loans offer flexible repayments?
I am thinking of upgrading the car to something a bit nicer, and just looking at options for loans or finance to do so. My main concern however is which ones will allow me to pay more than the monthly payment each month (for example paying £250 rather than £150 on a regular basis). Are there any loans that allow you to do…
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New homeowners - loan or credit card?
Hello all My partner and I have just bought for the first time - a renovation project as my other half is a builder. All of our savings etc have gone on the deposit, but to make the most of the Jan sales we wanted to buy the bathroom and kitchen asap, meaning we'd need to buy it on credit. We estimated about £10,000, so…
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What things to consider when taking out a loan?
Hi Folks I am thinking of taking out a loan (the very first time!), of between £3k to £5k. Can someone please explain to me what things to consider when taking out a loan? Are there any good websites which can compare the best deals and loan providers etc? Finally, what is an A.P.R? Thank You.
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overdraft
Hi Please help, I was a director of a company. The company failed and has not operated for over three years, and has now been dissolved. I had to increase my overdraft to keep the company operating until we had no option but to close. My problem is they asked me and my wife to sign for it. Now they say we are personally…
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A bit of a story but I do need Help
I took a loan a number of years ago. I called Intelligent Finance and gave my 10 digit security number, 2 digits from my pin and all my additional DPA. I applied for a loan which was accepted. Someone called me a week later asking me if I took a loan. As I did not trust the caller I said no and wasn't willing to discuss it…
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Loan - early settlement advice
I'm looking for a second (and third,...) opinion on my loan settlement figure from people good with this sort of thing :) the loan was for 12,500 for 60 months from RBS at an APR of 8.9% I have paid at a monthly rate of 256.66 for 39 months and now want to settle early. 58 days interest is charged for early settlement. I…
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YES-Secure
Anyone on here had any experience using YES-Secure? If so, can you share some feedback? Thanks, TT.
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Loan Providers and credit checks
Just wondered how far back loan providers checked on your credit files is it the full 6 years? I know Back Horse only go back 3 years as I spoke to them yesterday, does anyone know abou Zopa?
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PPI for loans - can you buy it seperately?
As above? Rather than take it from the loan provider? Cheers
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Need a loan 2.5k - 3k
Hey, anyone know where I can get a loan for that amount? My own bank wont give me it because i have a £400 overdraft with them! Another thing that probably works against me is i am a self employed taxi driver, and only put money into current account when I need to cover my insurance. I'm 26 years old and live in N.Ireland.…
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I need a unsecured loan but have defaults from 5 years ago ?
I would like to borrow £10000 to consilidate some debts,but I still have defaults on my credit record from 5 years ago.I understand they will be removed after 6 years,but need a loan now as repayments on my credit cards are getting too high. Does anyone know who I can go to for loan please?
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Loans APR
Hii applied for a loan with Santander as the rate was 7.3 % to consolidate debt. Reason for applying to then was due to the low interst rate.The agreement has came through today with an APR of 11 %, i am well aware that the APR can be variable. I have a very good credit rating /history etc.IS 11.1 % a decent enough rate etc
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Where offers guaranteed loans? It will literally change my life
Hello guys! Hope you are all well! Here is my situation... I am a plasterer. I currently work with the same chap who I served my apprenticeship with, and he is tight. I mean really tight. No matter how much work I get done, I get the same daily rate...it stinks. I am at the stage where I am skilled enough to work on my own…
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Natwest business account overdraft
Our business closed 31 Oct 2010. We have had overdraft insurance on the NW business account for 15 years. Couldn't find the policy but been told that it only covered accident and sickness. I took the policy out and strongly remember the assistant manager say it covered unemployment and also remember seeing the policy to…
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Some advice please, car finance
I'm 21 years old and for the past 6 months I was earning a pretty healthy salary running a high street pub, although this Monday just gone to my surprise I was made redundant, as the pub is in pretty dire financial means. However during my employment I purchased a used car on finance from a dealership, and the payments,…
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Previous tenants bad debt
Hi We've lived in our rented flat for a while now (i moved in March and my OH in october - we updated our addresses with the banks at these times too) My OH has just been refused a loan to pay back his overdraft, he made an appointment with the bank who told him all the usual reasons (he wanted an appointment with someone…
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Application forms for a loan
Hi All I am in the process of lending money to daughter. Does anybody know where to download an application form for her. It does not have to be complicated. Vryx
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secured loan bad advice need help
Almost 2 years ago we were advised by a company called "Mortgage Matters" to take out a stop gap loan until the redemption fee on the mortgage expired (approx 12mths cost to get out early 4 thousand) So we could remortgage as our fixed rate was due to expire and we were looking for a lower rate. So we took out 20 thousand…
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Statement of Interest
I have finance on my car which was purchased for business use (I'm a sole trader). In the past I have phoned and asked for a statement of interest at the end of the year, I can then use this when doing my end of year accounts for the business. In the last year the finance company have been taken over by Lloyds TSB, on…
