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Car Finance ???? Help
Hope someone can help me, I have a Vauxhall Tigra on a 06 plate, I still owe £4k on the finance but I now have another car that I use for work so I am still paying the monthly finance, insurance etc for the Tigra and I dont use it . I want to sell the Tigra but want to sell it privately to get what it is worth as I know a…
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Loan "Household income"
Hi, Does any lender offer a loan based on household income? Wanted to apply for a loan in my partners name but she is a housewife. Thanks MS
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Egg loan sold on to debt agency...?!
Hi :) Total newbie to this so please forgive me if this is covered elsewhere and I have completely missed it! In short, I've had an Egg loan since the early 2000s. I defaulted once in 2007 (very bad time in my personal life and my debt was the last thing on my mind) but after that I had an arrangement to pay and have paid…
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paying a loan not in my name??
Hi, 6 years ago my ex mother and father in law took a loan out for myself and my ex wife,so that we could pay for our wedding and home improvements....3.5 years after we seperated,i have soley re-paid the loan which is in my ex in laws names as we could not get the loan cos of our credit,with approx 1 year to go i can no…
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halifax loan insurance
Hi, My husband has insurance on a unsecured loan he has (sickness,illness and unemployment). He found out today there is a slim chance he could be getting made redundant and we wanted to check up on the t&c for the insurance so we know where we stand should he get made redundant. We can't seem to find a copy of the t&cs at…
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Lloyds TSB Loan - Person added to loan without signature or agreement
Hi, I have just received a letter addressed to myself and my partner regarding arrears on a loan that is being taken care of as part of my debt management plan. My concern is this, I was the person who entered into the agreement with the bank, not my partner. I was the person who the credit check, etc was carried out on. I…
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Whats the lend to salary ratio these days?
If you earn £20,000 per year is £10,000 the maximum loan companies will lend you on an unsecured loan? I ask because I know someone who borrowed £15,000 even though he only earned £10,000 (was a few years ago though) so I am presuming lenders have really tightened up on their lending criteria?
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Old Debt
Hi, I am currently working in the Education sector having left the banking industry in debt. Yes I helped people with money and got into debt myself with various stupid decisions and what I can only explain as an 'addiction' to credit! I know how to run my finances, I just got out of control and I don't know how. Idiot! :o…
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Welcome finance loan collectors
I have recieved a letter and telephone call from a debt collection agency regarding a loan from Welcome Finance. They are saying I owe £3500. I tried to explain to this company that the loan was settled over 3 and a half years ago, I had a loan settled letter but over a recent move I cannot find this letter. I had trouble…
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Studio Service charges
My mother in law has an account with Studio. She allowed me and my partner to order some stuff for our house from it (hoover, washing machine and suite) and she also had ordered stuff for christmas from it. Anyway, the total amount owed was about £1800, with us owing about a grand. The last few months the minimum…
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Need to raise £4k cheapest way for new roof
Hi Hope someone can advise, I'm a home owner with Halifax motgage for last 15 years. No savings to speak of as been reducing credit cards. I need to raise £4K to fun a new roof on the house, and obviously want to do it the cheapetst way. I have no outstanding loans, and only about £1,000 on a credit card. I'm in full time…
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How To Deal With Fraudulent Direct Debits
Fraudulent Direct Debits What you need to know:- Basically there are quite a few rules and regulations surrounding Direct Debits and upon finding a fraudulent one set up on your account by any company you would think that it is quite straight forward to resolve. Direct Debits set up without your knowledge nor agreement…
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Denied and Confused
Hello, I am 23 years old with two credit cards, debt of £750. on a moderate to low income (basically I get paid and after bills im already in the red) and registered on the electrol register. I wish to apply for a loan of £1000, to pay of my cards and close one of the accounts and have a smaller amount to repay and…
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Bank Loan; Does online application make a difference?
Hi all hope you can help. :) First off a very quick bit of background. Looking to take a loan out from my bank - 3, 3.5K in maybe a month's time. I am aware that the rate will not be the best out there, but unfortunately I don't have much of a credit history to go on, which is why my own bank seems like the best bet since…
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Now have loan for car, Cash or Bank transfer?
Pretty much what the title says. It will be a dealership and it should be around 5k Is it best to withdraw the lot, pay with cash and take the car on the day or do a bank transfer through my bank?? I hear bank transfers can take a few days if the banks are different, and the dealership won't let you take the car until the…
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Scotcall, provident and Credit Card
Hello, first post so please be gentle with me if I have posted in the wrong place. My girlfriend took out a Provident load a few years ago and got into a bit of trouble trying to pay it off and what with them not turning up to collect etc the debt has now ended up with Scotcall. I believe Scotcall are acting as agents, I…
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Already repaid loan to 'friend'!!
Hello Everyone Really need some advice. About 4 years ago I borrowed £1000 from a friend. He transferred the money using online banking to my account. I repaid the in cash a about a month later, because he WAS a friend I didn't even think about getting a receipt or ask him to sign something to confirm that I had repaid the…
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College Loan
Hi, any advice would be really appreciated guys! Basically, went to a private college after A Levels and student loan didnt cover fees so had to take out a loan from the college throught their benevolent fund. They verbally agreed while I was at the college that I could repay the loan at £25 per month with a lump sum pay…
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Loans and the credit file
I was having a discussion with a friend who used to be in banking years ago and i mentioned that i may try to pay my loan off a few months early and put it on a 0% (for money transfers) card if it works out to saving me some money. I was under the impression that it didn't really matter when a loan was paid off as long as…
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loan help
Hi im looking for a 10k loan i earn 19k a year basic but bring home about 23k in total, i only have a 500 overdraft and credit card with 600 on it no missed payments on anything etc, i bank with nationwide and have another saving account with rbs with 1.5k in it just now.... so the question is i normally tansfer about 500…
