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How the?
Hey guys and girls, I just recently called a company I have a loan with, to ask when my last payment was due this year? they stated october but by my calculations 36 months from when I took it out would be june this year. Since I've had this loan I haven't missed one payment, so i'm kinda confused on how it can go on…
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Loan or Mortgage
Hi, my partner was in deep finical trouble a couple of years ago and I took out a loan to cover the debt. We've since parted company and I'm stuck with a Barclays loan currently standing at approx £15,500. When I first took out the loan,it was spread over 5yrs and I was paying £410 each month in repayments. In a bid to…
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Need Loan but have poor credit history, but have equity in property
Hi all, Was wondering if anybody could help. Quite a bit back now I was in a financial mess and my credit history was severley punished. My finances are now stable but I have a few items that are coming out of my wages monthly and will take a lot of years to pay off and are on on my credit file. I tried to apply for a…
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Applying for a loan - Timings everything
Hi MSE fans Could i please pick some of your brains? My DW and I are currently in the process of moving. We have applied for our larger mortgage which has been AIP'd. We have also received a letter from the lender stating that our application has been agreed subject to references and documents being satisfactory. Survey…
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Car ownership, finance etc HELP!
Thankyou in advance to anyone who can help/advise on my situation. I cannot find any threads on my exact situation. *My (now) ex partner took finance out on a car *The money is paid to the hp company from her account *I pay the money into her account first each month *The car is registered, taxed, insured etc and only used…
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Hire Purchase / VT
I'm new here so apologies if I have posted in the wrong area, I have read alot on here in regards to voluntary termination of Hire Purchase agreements. Can anyone answer this one for me? I purchased a car on a 5yr HP. On the documents it says the amount that I would need to pay during the life of the agreement to terminate…
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Advice on sorting out my £2000 debt....
I want to get myself financially sorted out this year and have a couple of old debts that add up to nearly £2000. I know it may not seem like alot but i was a bit carless a few years and now have a few defaults on my account. I really want ge this cleared up but i have a poor credit which is my fault and i accept that, but…
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PPI re early repayment of loan
Guys/girls I took out a graduate loan of £5,000 in September 08 over three years and took the option of PPI (additional £850) with Lloyds TSB. I am now looking to repay the loan early and the amount they have quoted me is basically my outstanding balance, some interest and an early repayment charge. However, if i redeem…
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financial disassosiation?!?
Hi.... My wife has just applied for a loan of 7500 from sainsburys bank online and was unfortunatly declined. she earns 30k has debts of 16k but always pays on time and generally more than minimum on credit cards. as such she immediatly got a report from credit expert and also a credit score off them (wich was 940 ish -…
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Need a loan of £500 short term
Hiya, Santander have royally :mad: me over and im now in a complete mess with bank charges which I hope to sort out but in the mean time we have nothing and bills to pay, I don't have an overdraft and we have no cash and nothing to sell, cant temp cut doen on things as most have already been paid this month. I've applied…
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Student Loans
I am in the process of applying for the Met Film School in Ealing, London and am really hoping to study there later this year (term starts October '11). The problem I have been having is funding the course. The course lasts for two years and costs £19,900 a year! :mad: Obviously, I do not have this kind of money. I have…
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Can't get a Loan but good credit???
My husband has good credit, and has never missed a payment on any of his credit aggrements, he has applied for a loan from Tescos and the declined him, then his bank RBS said no without even doing a credit check. Is it a waste of time applying elsewhere? Can anyone get a loan at the moment?? Thanks
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Guarantee for Loan
I signed a guarantee for a business I owned a few years ago, unfortunately the business went bust and I am making small monthly repayments to the bank under my guarantee. I keep offering them a small lump sum to pay the guarantee off and they have come down from wanting 75% to now wanting 50% of outstanding balance as a…
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Loan quotation on credit report
Hi all, Just wanted to confirm that a search marked as 'loan quotation' on my credit report will not be used as a decision making factor when applying for other credit? The quote was not suitable, so I'm exploring other options. I trust from previous articles on here that it will not be used as a factor, but would…
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Need a loan of 15k
Im in a financial mess right now, and need a cash injection of £15,000. I have been getting quotes as to how much it would cost me over 7 years and am happy with the figures, I can comfortably afford them over the term. I have posted the same question on another forum I am a member of, and they advised I post my question…
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Netcars Ltd
Has anyone heard if Netcars Ltd have gone into administration? I have asked a company to make a claim against them and they say Netcars in Manachester had gone into administration last year although another company has opened up. Surely the Payment Protection Claim would be against the company and not that particiular…
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Paying off car finance early
Hi, wondered if you guys could give me some advice please. I purchased a car on 4 year finance agreement with Santander - it was done through car dealership so wasn't a personal loan. My question is whether I would save any of the interest if I paid the loan off early for example, the loan was for £15,000 and including…
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Is annual interest rate the same as APR?
I am using a snowball calculator to see how quickly I can pay off a loan by increasing my monthly payment. The calculator asks for the 'standard APR' as a figure. See here: http://www.whatsthecost.com/snowball.aspx Now, when I look at my loan statement it quotes an 'annual interest rate' of 28.20%. Is this figure (28.2%)…
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MSE News: Millions won't get advertised rates as EU weakens protection
This is the discussion thread for the following MSE News Story: "The present commitment lenders make to offer their best rates to at least 66% of accepted customers will fall to 51% ..." Read the full story: Millions won't get advertised rates as EU weakens protection
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Need a Loan but have Poor Credit - any advice?
Hi I've been looking over the forums since I trawled the comparison sites for a debt consolidation loan, and have received calls from Loan Finder (£61 fee, argh), Wentworth (£59 fee, argh plus they were pretty surly on the phone), have been through the 0906 :money: people who have found me three companies that can loan me…
