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loan
-over the last few years, l have been trying to be debt free -l have cleared all my debts -at present l am left with one loan with Lloyds tsb -l have been struggling to pay it over the last few years -early last year l wrote to them requesting for my mis sold ppi --they never refunded me the money, instead l just saw a…
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Ending my payday hell - took drastic measures this week
Hey there, I am in the unfortunate position of falling into the 'payday spiral' - started out with one payday loan then kept deferring it and getting out others. At one point I had 6 but Ive managed to get it down to three, but the interest payments were nearly clearing out my wages every month and then I was falling…
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Car loan, conflicting amounts
Hi there, I wonder if anyone can help. Last year I bought a new car on finance. I was just looking through the financial details and can't work out the figures on the loan. Basically it says : Amount of credit £5232.00 Duration: 60 months Total amount repayable £8338.01 APR 11.7% The repayments schedule says: 1 x £258 58 x…
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provident personal loan
if i got a loan for 14 weeks from provident and paid it back on time without a problem, would this help build/repair my credit? rob.
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santander
hi all wondering if anyone on here can shed a little light on my dilema. Basically in 2005 i had a few loans from cahoot, got in a mess and couldnt pay them, in 2006 i defaulted and since then i have never paid them or heard from them. I decided to check my credit file this week and both cahoot debts were settled?? news to…
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Taking the step off the payday loan roundabout
Hi guys got into a sticky situation i have 9 loans outstanding at moment, Started with one which led to another and another to pay off loans i couldnt really afford my own fault i now. I have already defaulted on 5 these are * Payday uk = original loan £410, was ment to repay £512 on 27th dec, Debt still stands at £512 no…
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loan question
i applied online for a personal loan of £6000 the other night at a rate of 8.7% monthly repayment of £122. i was accepted. i recieved the paperwork today and the detail is £138. at 14.7%. i just rang them and they said it is unclear online that even though you can get accepted it may be at a higher rate......i told them i…
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please help!
seriously need a little bit of help, i took a loan out 5/6 years ago with WELCOME FINANCE, the loan was to pay off credit cards, when i got the loan i noticed i was paying for payment protection, i never stated once i wanted it, they told me i put a X in the box and signed for it, so after a week of arguments i gave in and…
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Santander - Loan payout delayed/cancelled
Hi all, Please forgive me for being a newbie and posting my problems on here, but not sure where else to look for the advice I need. I recently bought a car at a car supermarket and paid a small (£200) retaining fee. As their finance rates were too high I went off and arranged my own loan. Santander seemed attractive so I…
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on my credit report for 13 years
I would appreciate any advice here as im getting nowhere fast. I have just recieved a letter from a debt collection agency regarding a barclaycard loan that my wife and i took out in 1997. We divorced and she took over the payments. We've now lost touch. After 13 years i recieve this letter for payment of £3000 (original…
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loan help please
hiya,, my partner and i are looking to borrow £25,000.00 to do a garage conversion plus extension. We are not sure whether the best way to go would be to add onto the mortgage or to get a personal loan.the property is currently worth £150,000.00 with our mortgage sitting at £103,000.00. any advice would be much appreciated…
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relly confussed with welcome
i took a car finance with welcome and i have just gone through the statement they sent me and they charged me £100 option to purchase fee and also £100 capitalisation on the same day last may and i dont have a clue what it all means?? also i'm to do a settlement offer as i really had enough with these people but was…
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Borrow money using gold
Hi I want to try and borrow some money against the gold I hold (which is quite a large amount). The money needs to be on a low interest rate as I'm basically wanted to use this i'n my offset mortgae account Any ideas
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Validity of my Payday UK Loan
Hi All, I would really like to know your interpretation of my contract. The email below is dated 31 Oct 2010 stated that I was now legally bound by the terms of loan agreement number…….. My Fixed-Sum Loan Agreement was for a period of 25 days. So, my question is “ 25 days from the 31 Oct 2010 is the 24 November 2010.…
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New Car Loan
Hi, I am thinking of getting a new car soon. Mine is worth about £3,000. The car I'm looking at getting is £7500 so a £4k shortfall. Is it possible to get a low APR loan for this amount as most I have seen are over £7500. Would it be better to get on a 0% credit card and keep switching balance ? My credit rating is very…
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Bad Credit for Car purchase
Hi, I have bad credit and in desperate need of a car. I have had a look at carloan4u and a few others but majority of them seem to be brokers rather then lenders. I am in dire need for this. Please someone help me? Many thanks, Rob
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quickie loan / finance question
Hi, i am looking for a new van, and will be looking for finance or a loan for this. finance is bit more expensive than the loan, and i am also more restricted to dealers etc. ok, i went to the dealers on Tuesday, and they have since said i had been accepted for finance should i want one of their vehicles. :j because i have…
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Will the length of a loan effect the APR I get?
If I get a loan for a longer period (say 5 years instead of 3) will my likely APR be lower or higher? I think lower because I'll be paying for longer and therefore they'll get more money from me in the long term. But then I think higher APR because it'll take them more time to retreive their money, so a higher risk that…
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Paying off loan with another loan
Hi, I took out a 10k loan at 14.1% apr about 18 months ago. With overpayments i have got this down to 7k settlement fee. I want to pay this off with a loan with a lower cost. I have option of credit union loan at 10% apr. Should i take maybe a lower rate with a 'high street' provider? Would CU be more flexible? How would…
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pay day loans
if you use theese services and pay on time would it help your credit report/score? as i used wonga a long time ago for a small amount of £20 and it is now showing on my credit report £20 payment satisfied... is this helping my credit or is it bad? rob.
