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Urgent help
I have "sold" my property but was told today that I have a secured loan attached to my property and therefore cant sell it - meant to move in a week!! I took a loan through Asda years ago and this was paid off within a year however, 4 years on, I go to sell my house and it is still showing on my land registry!! Phoned…
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Loan from relative
A relative has offered to loan me the equivalent of 20% of the value of my house for a fixed period (a few years). During that time I will pay them the equivalent of 20% of the rental value of the home. At the end of the period I will then pay them 20% of the value of my property at that time. We would like to avoid tax if…
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Advice pls, need to borrow £2K for 12 months
Can anyone help me as to the cheapest option for borrowing £2000 for 12 months, I will defintaly be able to pay it back within this time and probably faster so was looking at borrowing aginst a credit card (withdrawing the money- ouch!) then transferring the balance to a 0% credit card. I can get a loan but would like the…
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Loan maybe in 1 year approx £10,000 ?
Hi, ist post on loans,just at start of credit building on electoral roll last 3 years,1 month ago opened current account,yesterday 12 month phone contract, i have no debts-no credit cards-will be applying for credit card soonish,i'm self employed earnings upwards of £30,000 but will require a loan of approx £10,000 next…
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NRAM early repayment rip off (Northern Rock)
Good morning.. I have an unsecured personal loan with Northern Rock Asset Management which I'd like to get cleared. The interest rate is extortionate to be honest and it'll take another 25 years to pay off at their current repayment rate. I called them for a settlement figure the other day, which I expected to be a lot…
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Santander Agreed to Pay Out on First Attempt! Should I accept?
I sent the MSE template form from the FSA around 5 weeks ago and today we got a letter saying they except that it was missold and will be willing to pay out over £3K which leaves around £2k on the balance. Do I except this first letter or hold out an say more. The advice on the MSE says don't accept the first letter /…
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Car Finance (again) - settlement?
Evening all. Had a quick look through the car finance posts but couldn't find anything specific regarding my query. Basically I am all set to hand the car back within the next week or so. Its paid up to half way, I have the VT pack and forms signed, and have agreed a location. I was just wondering if anyone has ever had…
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Advice on loan passed to debt collectors
We bought sofas from DFS a year and a half ago. Had a year with no repayments and then interest free for 4 years. Had direct debit set up and made payments each months for 6 months. For some reason, my husband was looking at statements at our bank and queried a payment to 'santander cards' as he didn't recognise it. Bank…
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where to try
My defaults have fallen off my credit file. where would be best to apply for a loan, my own bank or the likes of tesco......? got couple of CCs had them a few years use and pay of regular.
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Clear car finance loan
Good Evening My fiance has an existing car finance loan which we are looking to clear off by selling the car, reason being bambino number two is hear and a 3 door car with two kids in the back seat is a back breaker. What we plan to do is sell the car but the settlement figure is slightly higher than the price we would…
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Money *back* from Car Hire Purchase???
So this is really weird and I'm not entirely sure what to make of it. In 2008, I bought a car on hire purchase through Blackhorse, paying £500 deposit and financing the balance (total amount £4200), with the agreement to pay it back over a period of 3 years. A month ago, I voluntarily terminated the contract and sent the…
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Application for loan refused - WHY???
My partner applied for a loan with Halifax who he has banked with over over 10 years. He has a Credit card debt with them of £9k and wanted to consolidate this debt into a loan to pay less interest. We checked Credit Expert/Experian and his credit score was 933 and his credit historuy was greenlighted all the way through…
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HSBC Managed Loan Hell
Hello, I’m in need of financial advice for a managed loan I took out with HSBC in April 2006. I'm trying to sort my finances out as likely to be made redundant in July so I called up for a final settlement figure. The original loan amount was £22,210.00 Inc £8,136.00 interest. I was shocked to find that the final figure is…
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Lending money via Ratesetter?
Hi, I have been filtering money into p2p lending sites such as Zopa and Yes secure, now the rates are so high on yes secure that rarely loand are accepted and on zopa there are that many users the rates are quite low, I was wondering if anyone can give me some advice on Ratesetter. what are your dealings with ratesetter…
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Need a loan to top up our house deposit!
Hello Am really hoping someone is able to help me My partner and I have a £30k deposit to put down on a house. Last week we had an offer accepted on a house at £185k. We had agreed a mortgage in principle with the Abbey for £153k, so the £2k we were short was going to be giving by parents to help make the deposit up to…
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Loan to a beneficiary of a will
Hi Does anyone know if it is possible to get a loan secured on a will that is currently being administered by Barclays Wealth. I'd be looking to borrow about 3000 secured against 30,000 which should come through at some point this year. Cheers
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HP Car Agreement
I Have an agreement with Lombard. We took it out due to our business requiring this type of vehicle. We were under the impression it was a 3 year agreement and then we could give the car back with no penalties. We have now found out that it is a 5 year agreement with a balloon payment at the end meaning we have paid nearly…
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Santander loans
Ive had an ongoing loan with Cahoot which then became Santander - no problems with the direct debit at all until this month, They took out money on 31st Jan, 2nd Mar and today - So Ive had two payments taken from one lot of wages and dont get paid until tomorrow!! Its annoying and has taken me over my overdraft limit but…
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Loan arranged with my stolen debit card details!
Hi, First time here! Somebody has got hold of my debit card details. I've had the usual mobile phone top-ups charged to it - which my bank promptly refunded. Now it turns out they have set up a payday loan with a company called 'Quick Quid', with the repayment/s set to come out of my bank account! I had already put a stop…
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Wonga Loans - Scam or Genuine?
Hi all, I'm just posting a quick question on behalf of a friend who is looking at taking out a payday loan to pay for some car repairs after his MOT came back with a few problems. I really haven't a clue how to advise him on this subject and would like to know if anyone has used these before? whether they would recommend…
