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Money Essentials - Scam
I am soooooo cross with myself for being taken in :mad: I am a nearly divorced person, trying to sort out the chaos of a near financial ruin from my ex, my car died just before christmas, it is past repair I applied online for a loan recieved a call from this company, paid the 'admin' fee never to recieve any money or…
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OMG! Quickquid.co.uk
I don't believe what I've just seen on TV :shocked: Get a quick loan if you need money quickly - but wait for it............. 2278% APR - that seems totally immoral to me. With so many people losing jobs at the moment, and people short of money, this is no better than a loan shark! They promote the fact that you can borrow…
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Took Car Finance
Hi, I recently purchased a new car through a reputable car dealership. I have noticed they offered me a loan agreement of 8.9% APR Flat rate finance on my car and then later found out those are totally rubbish as I am looking to pay of my finance in couple of months maybe by March/April 2011. I then read the topic on this…
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Career Change Money Worries re Returning to University as Mature Student
Despite having previously studied for 6 years at uni and working for the last 4 years, I seem to be up to my eyes in debt and also miserable in my job. I have always worked (even part time during school and through out uni) and have never been a big spender but yet I ended up with lots of loans and credit cards. Some of…
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60k Consolidation Loan
Any advice please Currently we have almost exactly the same coming in as going out, in total we have c40k card debt and 10k personal loan. I can just about afford to service it all, but with zero to spare, and this is making minimum payments so not reducing the cards. Is there a bank / other financial institution that will…
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debt help me
Ive recently lost my husband to cancer he has credit cards will the debt now be left for me to pay back?
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Advice required please
When I was retired (due to illness) from my job in 2008, I wanted to fix my mortgage rate for some security so fixed it for 5 years (Doh!!!). Rates have obviously plummetted since then so I contacted my MTG provider to see if I could change my MTG product. It turns out I can do this in June but need to pay an ERC of almost…
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Car Finance - new car?
Hiya, I'm wondering if someone can help? My fiance and I bought a 59 plate Astra on Saturday and picked it up yesterday. We test drove it etc and felt happy with it. We took finance with Arnold Clark and the payment terms were £140 each month, which we were really happy about. The car only has 2000 miles on it and original…
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Fixed Sum Loan Agreement?
Hi, Last March year i signed 12 months direct debit based membership for a Gym that closed in early december with no warning apparently due to management problems. I have heard on the grapevine that the gym plans to reopen at a location approximately 20 miles from where it was but i have no confirmation of this and no…
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Advice please can we raise? any money to build an extension ?
Hi Myself and my husband both have debts of £8,000 and he has £10,000 we have a mortgage of £153,000 and a redemption figure of £159,000, our house is worth £180,000, so do not have that much equity, I earn £17,500 and he earns £28,000 per year, We have a very small 2 bed house and have had a figure of £15,000 grand to…
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Finance advice
Hi all, my wife and I have been looking to upgrade our caravan (inherited to us by my wife's parents) for a couple of years, we finally made the plunge in July when we found the right van. We were offered a good part exchange for the old caravan and were told by the sales manager that the finance had gone through, we held…
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Confused about Halifax
I've only ever banked with the Halifax in the past I have had credit problems and these have now been ressolved I have 1 satisfied CCJ on my credit file from July 2006 for £320. I have 1 late payment on my credit file from Oct 2007 (now closed) every other account since paid on time. This is my info: Vanquis £327 limit…
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Settlement Figure?
Is there such a thing as a set formula for calculating any rebate due for early settlement? I know the easy answer is to request a settlement figure from the loan provider but this needs to be done in writing and I am bouncing some figures around tonight so even a rough guesstimate would be helpful. Thanks
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How does payday lenders take back their money?
Hi, I am wondring how does payday lenders take back their money. Does any one know how they do it? If I cancel the card that I had given to them what is going to happen? Or even If I cancel my bank account and create a new one are they lossing their's money? Thanks
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Bank made error...I have to pay
Hi, I took a loan out when I first graduated form uni, from a high street bank for £3000 in 2009, which I am paying back over a 2 year period. When the loan was being organised, I chose to take a 3 month payment holiday, which meant that although I would still pay interest for that period, I would not have to make a…
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Advice Please.....
Hi I am a current homeowner of 4 years, but very little, if any equity. I have unsecured debt of around 24k, and paying approx £800 per month for this. 9k of this debt is on a credit card, and not going down. the rest is spread over 3 loans. What im looking for is a company where an individual will look at my…
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Wonga, Is this allowed?
I took out a Wonga loan in November 2010, and soon after lost my job. I have now been forced to rely on Jobseeker's Allowance, a situation I am struggling with. When the time came I wasn't able to repay my loan, so managed to extend it. However, the new payment date cam and went, and I wasn't able to pay it. Today, I…
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Paying off loan early?
Hi all. I have a Barclayloan, with the lovely 23% ish interest on it. I originally borrowed £1000, then topped it up with another £1000. I pay off £101 a month, and at the moment when I check online, it says I owe £949. I also know that about £21 of what I pay goes on interest, so I chip away £80 a month off my loan. I am…
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Just out of interest.....
What processes take place when someone makes an offer on your home up to the point of it being sold? I'm not selling a home, but i need to understand this as my mother is thinking of doing so....however she also has a solicitor who is willing to fight a case against a loan company that has a charging order on her home. If…
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Car Finance
I'm in need of some advice... I'm a proud father to a 3 month old little girl, and think its time to get a new car. Im 25 years old, according to Credit Expert my score is 999. I have a personal loan of 10k (down to 8.5k - 2 years left) about 800 quid on a credit card. No mortage (its in my wifes name) and I was late on 2…
