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Any Help, Any Advice
Hi I'm looking to get another car, as my has broken down I have been on-line and have been looking at the PCP ( I think thats what its called) with the ford dealership. You get a brand new car and after 2/3 years you give it back or get a new one. Has anyone done this, is it any good? would i be able to get this as i have…
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welcome finance help please
Hi I am 27 years old and I am looking to secure a mortgage, I got a copy of my credit report recently from experian only to find two big debts outstanding with welcome finance the first one over £3000 and the second one wait for this over £15000!! I have used welcome in the past (young and stupid) and paid these off back…
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CCJ Credit File Help Required
Hi Guys I need some advice. I have a loan from Welcome Finance, 3 years and 1 month ago they gained a CCJ judgement against me and I have been paying everymonth. I checked my experian report for the first time on Saturday and noticed a few odd things. The CCJ is correctly recorded on my credit file but Welcome still have…
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Loan Insurance?
Took a loan out with Barclays a year or so ago which paid off an existing loan and gave us some extra cash too. The original loan had insurance which we never used but when i enquired about help with payment because of coming out of work,was told that we werent covered and could only get our repayments reduced if we…
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car purchase
Hi I'm looking to part exchange my car for a newer one. I'd need around an extra £5500 to pay for the car. My partner has an existing loan with hsbc and has just under £7000 left to pay. Would it be advisable for him to redo his loan to purchase the car or would it be better for me to take one out?
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Loan for part-time worker/Single parent
Hi there, I'm making this thread on behalf of someone else who can't access the net. Basically, she is in a real tight situation at the moment. She currently is living in a cottage with her ex-partner (Father of the child), they no longer are together so they have decided to part their ways, and their move out date is…
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Hitachi Capital and Club La Costa
Hi Looking for some help please. My mum is being perused through the courts by Hitachi, They provided finance for a 3 year trial membership for Club la Costa. My dad died a year into this. They went to the main complex in Spain and were talked into applying for full membership. Put a further £1,000 down and applied for…
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24 hour finance
Has anyone heard of 24 hour finance? I had a phone call today from them saying i have been approved for a loan of up to £10,000. I will get the money within 20 minutes if only i will pay the first payment of £165 through money gram. She sounded Indian but her name was susan lewis, at first i refused to believe her because…
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Stopping Stupid Teens abusing loans
Help and advice needed please. I have had bad credit, and I am trying desperatly with time to clear all debts and get back onto an even keel. However my nephew has moved in with me, and has been applying for loans. It started with one "pay day" loan, and a catalogue, and now its getting bigger and worse. When loan…
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loan advice
im back on the ladder re finance i had an iva in 01 but cleared now my mrs owns has the mortgage on the house now i earn good dough and want to pay some of her bills/move to a cheap card to help her as a surprise i asusme i shouldnt apply to companies i had in the iva for a loan / credit card ? i have ccards with vanquis…
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Loan Repayment Advice?
I currently have a loan with Tesco Finance which is over a 4 year period; the original loan amount was £10k. I am currently paying back £240 (approx.) a month and have 18months left on my loan (outstanding balance £4500). I am looking to reduce the outstanding amount on my loan by paying a £2000 lump sum to bring my…
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Help clear loan or mortgage
Hi all, Could you please advise me is it best to pay off a loan early or put our money into the mortgag? paying approx 3k loan will save £450 interest, but putting money into the mortgage currently 103k as overpayment could save much more in the long run i think! (not sure of exact amount though) loan is 16% and mortgage…
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Lloyds online loan app
Can anyone who has in depth knowledge or who works for lloyds tsb tell me whether it makes any difference applying in b ranch or over the internet for a loan. I know in branch they can tell you of any preapproved limit etc but is that the only difference ??
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Natwest loan
Hi, when you apply for a loan in a lloyds branch they can draw it down right there and then, its pretty much instant if you meet the credit requirements, can anyone who has recently successfully applied for a natwest loan in branch run me through how it went for you when you applied ?? ie was it referred ??, was the money…
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Gmac car finance loan payment help
I am trying to find details where to send a cheque to for my monthly car finance payment or is there a way I can pay them online. I have tried to find it on Internet before posting so just wondered if anyone one here could help me thanks
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Can Firstplus come after a second property????
Hi! This is my first post. I'm looking for some specific advice........ I am jointly liable (with ex-wife) for a Firstplus loan on a property I no longer have any legal interest in. If my ex defaults on the loan (which is secured against that property), could Firstplus come after another property which would be owned by me…
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Reversing a default
I am an a really awkward situation here, I moved out out my property in Jan 2010 - my girlfriend and I had split up - we kept the joint account open anyway for another 2-3 months just to see if we had anything else to come out before closing the account altogether as we had both moved back to our parents homes In 2007 I/We…
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Pay off loan 11 months early
Hi, Please can someone advise me whether or not Welcome Finance can ask me to pay off my loan 11 months early even though my contract is for 3 years. I had a guy on the phone saying it would be best for me to pay this early as i am incurring an interest charge from a missed payment 2 years ago which i have no record of as…
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consolodation loans
hi new to the forum could do with some help/ suggestions..at present i have two unsecured loans one is for 10k the other is for 20k im paying £613 per month for both loans over 10 yrs loans are with different lenders..i have good credit rating and would like to restructure the loans over a longer payment period and…
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Graduate Loan
I am a recent graduate and have just been rejected by Natwest for a £5000 loan over 5 years on the grounds of 'affordability', something I dispute, but still. I'd like advice on how to be more successful in my next attempt. My circumstances are: Basic Salary of £18,000 with uncapped commission and bonuses estimated to come…
