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Thinking about a loan...advice needed please
Hi guys hope you can help some of you may have seen recent posts on the mortgage board about how we can advertise our house better as its been on the market a while & we've seen a house we want to buy.... anyway, to cut to now.... we're starting to get more interest and have a 2nd viewing this week. Hubby & i decided it…
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Loan, person dieing and order of importance debt needs to be settled.
I am looking for some information. A member of family has passed away and had an outstanding loan and a current account in credit with the same bank. Now they have said that they will take the balance in the current account to offset against the loan. I am aware they are allowed to do this however my question is that…
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Help please
I am a single mum of two children, ex husband getting out of all responsibilities he can.Over last year he has not paid my ailement for me(i am unable to work through long term ill health)which has imacted hard on my finances.I had to use credit cards which I changed on a yearly or longer 0% which was great.However this…
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Hopeless situation – advice needed please!
Dear all, I have a £2100 overdraft on my current account that I have had since I graduated from Uni in 2006, which I am always up to the limit on, and never seem to be able to pay off. I can currently see no way out of this situation, and I’m sick of throwing money away, paying the interest on the overdraft (£30+), which I…
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Lower interest for mone money?
I want to borrow £5k, however the interest rate is cheaper if I borrow £7k. Is there anything to prevent me from immediately paying back the extra £2k on the loan and continuing to pay the balance at a lower rate. Not sure if I would benefit from this or not. Thanks.
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Possible loan advice please
Hi all Without laughing too hard at me i have a question on behalf of a friend. She has been offered to be in on a business venture that she needs £12k for Now this is the bit you will probably laugh at. She is a single unemployed mum. The loan would lead to her being better of and would be able to come off benifits and…
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wonga loans repay or extend
quick summary, no lectures plz. myself and partner took 2 small wonga loans, ive had then before, she her 1st time, i got unemployed, she has landed a full time job last week,and got offered a small credit card card today, card due next week. however there is cash in bank to cover 100% of mines and 20% of her loan, both…
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Old Student Overdrafts vs. Credit Cards
Hi everyone, Firstly just want to say great site & looks like a great community here on the forums too. I've learnt a lot just by reading around & already have saved plenty. However I was wondering if I could mine the knowledge here further in relation to my old student overdrafts that simply won't leave me be. Despite…
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Lending money to family
Hi- I wish to lend my brother about £7000-£8000 for a year or so, how do I do this without breaking any law or leaving myself liable for tax? Would I be ok to simply send him the money and he send it back as agreed? Thankyou for reading, NP
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Do I owe her any money
My girlfriend split up with me, we didnt live together but planned to. The mortgage was in my name only and she planned eventually to move in. She regulary transfered money into my account towards bills. Now she says I owe her everything back and taking me to court she says I owe her for transactions at atms and in…
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How does one take a bank to court?
Stiffed by Barclays .. not going to take it up the !!!! .. can one of you genius' help me!!? Lord Snoopy
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Need a loan and some advice please!
Hi, I'm a bit stuck at the moment, I got myself into a bit of financial trouble a few years ago after my partner died and it's all come back to bite me. As it stands I owe £3000 in total and am paying out a whopping £500 per month before any of my £800 wage is mine. Due to this debt, obviously my credit rating has been…
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Hsbc managed loan
Hi Does anyone know if HSBC still do managed loans ? I had one years ago when in difficulty. I cannot find any info online as to whether they still offer this loan. I know when i took out the loan because it was in excess of 13k it was interest free, does this level still apply ? Thanks, Pauly.
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Any help would be much appreciated
Hi Guys, 1st time posting on here, so I am sorry if I have asked the same questions at all! Firstly, I, like a few people have got themselves into a pay day loan problem ( I hate these companies :mad:) and I have a very bad credit rating, due to defaulting on store cards and phone bills. Do you know anywhere that will…
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Early repayment discount with RBS?
Dear all, I have a £4k loan with Natwest, and I have managed to come up with some funds to repay it. I've heard rumours somewhere that because the banks need cash at the moment then they are often willing to know a bit off the top in order to get the cash back quick. Has anyone tried this before? Cheers, Dave
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FLM Quick are destroying us.
A few months ago I took out a small £300 loan from FLM, At the time I was in full time work and my partner agreed to be my guarantor, at the time he was a student but had his own online business. The monthly payments were interest only at £29 a month, which at the time I didn't worry about because I was in full time work…
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best place for unsecured loan
Hi All I'd like a bit of advice on where to go to get the unsecured £9000 I need to buy a house. The deposit and costs for this house are about £24K and I have £15K but unfortunately the extra £9/10K that I was due to get from a relative as now fallen through due to health issues so I am left in a position of needing the…
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Does Voluntary Termination Affect Credit Rating?
I wish to pick the keen financial minds of the MSE experts yet again. When I financed my car, I did so using a hire purchase agreement which meant that I could voluntarily terminate that agreement and return the car provided I had paid off more than half the note, which I have. I went by my garage yesterday to check that I…
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Moneyshop Cheque processing using Natwest
Hi I have had some short term cash flow problems over xmas ad new year so decided to cash some cheques till payday at the money shop. Anyway I had the option to extend the loan but forgot so 2 of the 3 £100 cheques were banked before payday when I didn't have the funds to cover either of the amounts. The cheques did appear…
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Need a loan and advice
Hello all, I need some advice on the best path to take regarding a loan. My wife has a CC with a little under 5k outstanding. The card has recently passed it's interest free period but she can't get another because she's just lost her job. Fortunately, I earn enough to pay her card but last month she paid £100 off the…
