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Done a runner with Loan...Letting off steam!
Some of you may have read a couple of my previous posts on here regarding my ex doing a runner with a rather large sum of money which I signed as 2nd customer to, under pressure I hasten to add. Feeling rather rubbish today due to the stress this is causing me, just wondered if any of you have experienced a similar thing…
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wonga
i have a loan with wonga for £600 that is due to be paid back this friday,i am going to be unable to pay this back this month and i cannot extend it as i do not have the funds available to even do this.i have been advised to cancel my debit card and change bank account to stop them taking my money.i am able to cancel debit…
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Paying back loan to parents, lost track, HELP
Please can someone advise me how to calculate how much i still owe and how long for. Thought it was a good idea at the time but now its a mess. Both parties are confused. - In 2002 my parents took out a £22k repayment loan for 12 years on my behalf. Int rate was around 6.5% i think but maybe higher. This loan was added as…
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keeping getting a bill that i do not owe
A finance company made a propsal to give credit. i cancelled the proposal well within the time stated and using the correct forms supplied by said company and also received acknowledgement of receipt in the said time to cancel. we paid the car insurance that this propsal was meant for in full as the terms stated if we…
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mortgage or loan?
hi, currently i have 23 years left on my quarter share home mortgage but like all mortgages after a couple years it looks like it's going no where. so tried looking at another soloution and found that if i borrow the amount i need in a loan then the same payments i make each month would only take me 10 years to pay off.…
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Mortgage or Secured Loan
Hi My Mother wants to raise about £30,000 from the collateral on her property which is worth about £120,000 which she owns outright. She is 78 years old. She wants the money to consolidate debts on credit cards and loans etc which have now got out of hand monthly repayment wise. Where should she look first and which…
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Car finance v's Personal loan - which would you do?
Hi all I'm buying a new car and have been looking at finance. I've been offered a personal loan and car finance (which I assume will be a hire purchase agreement because he said that the loan was secured against the car). I'm not sure which one to go for! The car finance is £80 more over 3 years which, although £80 is £80,…
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Welcome Finance - Bunch of James Blunts
Guys, Guidance please. OH had a Welcome Finance loan in April 09 for £8575.00 over 48 months at 25.2% APR. Repayments were something like £285 a month. Back in April 2010 she gets a call advising her that Welcome have closed their loan book and are looking at getting their loan capital back quicker so they made her an…
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Best way to borrow for a small business start up
Hi, I'm new to this forum and in need of a bit of advice. I'm starting a new business working from home. I have covered all the set up costs myself but I will need to borrow about £3,000 to buy stock plus a further £500 approx to fund the initial advertising. I don't want to take out a loan as it may take a little while…
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payig collection agencys lump sums ?
If Welcome finance passed my £4000 loan (should be £3000 but they added a ridiculous amount of interest and charges on) to a collection agency can I offer the collections agency a lum sum payment to clear the debt? i can afford to pay them £2000 but will they accept this and clear the debt ? i am unemployed since being…
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Nat West loans are phoning me at work
Hello, I could really use some help. In the past I'd missed a couple of payments on my NatWest loan which amount to roughly £318. So I arranged a plan with them to get back on course that I could pretty much afford & it would stop me getting in to more debt. However not long after my wifes NatWest account went £4.00…
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Black Horse Finance - Advice Needed
Hi, In July 2009 i used Black Horse Finance to fund a car purchase over a 60 month period. I just want to query some issues. I think ive made a big big mistake here getting this finance. There is an advance payment of £4250, what is this? My agreement states that the 'total cash price' - advance payment' is my amount of…
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Professional and career development loan
I am intending on doing a course that is at a private college and I will be an adult student therefore is not covered by any government funding-as far as I am aware?! However I need finance from some source to cover the costs. Is there any advice here on whether I am elligible for any funding, grants or loans and how I go…
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Getting a loan to pay off a store card?
Hi I owe about £1200 on a store card and I was thinking of getting a small loan (as the loan would have a lower interest rate than the store card) to pay off the store card. I've looked on some price comparison sites and my bank do a preferential interest rate and the monthly payments seem good and manageable. I'm over 21,…
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VW solutions
I will be buying a new car next week. I can not decide if to take a loan with the bank or take up the VW solutions option. The solutions option will give me 3 years free servicing. What are the advantages of taking their option. Has anyone ever had any problems with one of these deals. I am pretty good at putting money…
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Is getting a loan this easy???
Applied for a loan from my bank, online. Got sent some forms a few days later, with loan general info and a form for me to sign. Seems that's it. Am I missing something? They have not asked for any additional documentation, however, am sure that they would need to see something surely? It say's to sign the "blue form" and…
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Early loan draw down
Hi. I have been approved for a small business loan through NatWest. At the time I requested the draw down date to be the 5th of April. Is it normally possible to get back in touch with the business manager who saw me and request an earlier date? - Is this frowned upon or seen as risky behaviour? Thanks!
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Nat west want a chat
I have a PL with Nat west with a outstanding balance of approx £13k i took out a £25K loan with them for home improvements plus a few other things , all payments are up to date yesterday i went in and i was told they wanted to review my PL acct and they made a appointment there and then for me to go in a few weeks. My…
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Career Development Loans - Approval Criteria
Hi, I have a place on a Masters in Music at Newcastle Uni to start this September. I've been turned down for funding by the AHRC (no big surprise there) and it would seem that the only option for me to fund it would be a CDL. I'm qualified as a Music Tech lecturer but have found it difficult to find work in my field as…
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Natwest Personal Loan - negotiate minimum payment?
All, I need some advice regarding renegotiating loan payments with my bank. My current job is winding down and I have been unsuccessful in finding a new position. I have a personal loan of 7000 (taken out 6 months ago) - and I have 30 payments left of 243.68 pcm. The interest portion current stands at circa £80 pcm. A Debt…
