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GAP insurance on car finance agreement
i bought a 2nd hand car from a well known dealership in dec09. i was offered gap insurance and had how it works explained to me and i agreed to have it but i was charged £777 for it. This was added to the finance agreement which turned out to be a personal loan so have been charged interest by the company through which the…
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Barclays Loan Acceptance?
TBC Barclays Loan Acceptance
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Lloyds TSB / APEX
I took out a loan in 2006 with lloydstsb when i was a student, main reasons were for debt consolidation. The monthly repayments were ridiculous and i struggled to keep up, and went into my student overdraft and maxed out a 200 pounds credit card limit. Lloyds chased me for the repayments and whist I was still a student I…
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Paying off Halifax loan
Hello, My dad is 'loaning' me the money to pay off my debts one of which includes a Halifax loan with £4200 left on it...do I go in to the bank to pay off or over phone? Has anyone done this? Hope you can help!!x
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2nd Loan - what's best?
Hi Everyone - I'm new to the forum and wondered if anyone can advise about my loan situation. I borrowed £2K from my bank a few months ago and I now need to borrow the same amount again. Unfortunately they won't increase the loan I've got- probably because it's so new. My credit rating is fine so I don't want to risk that…
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why wont wonga accept me again?
1 month ago I borrowed £150 off them, payed it back no problems 2 days later. 1 week after that I borrowed £400, I couldnt pay it back the day I said, they charge me £20, I then extended that loan for a few more days, that charged me on that. Then the day I was supposed to pay it back I couldnt, so they charged me £5, I…
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my chances??
Hey everyone, Im looking to get a loan later this year for about £5000, now I know know one really knows but i thought if i gave some basic details about me they might be able to rate my chances? Im 27, will be 28 in a few months, im self employed and earn 18k a year, i dont have any outstanding personel debts, no…
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Final Bulk Car payment query....??
Hi All, hope you wonderful people out there can help? In a few months we make a final bulk payment for our HP vehicle. Its been three years and it was one of those plans with 3 options at end. 1 Hand car back get new one, continue with monthly payments for new car. (don't want to do this, had enough) 2 Hand car back - pay…
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Wonga.com / PayDay
My partner borrowed £200 from Wonga.com and it was paid back £123 and £118 on the 1st and 30th of March then later (unbeknownst to us) another £200 was payed into the account by Wonga.com resulting in a charge on the 28th of April for £560. also on the 28th of April at 5.30 and 5.33am I received 2 emails from Wonga.com,…
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Sainsburys loan - not as it seems
Hi, am a new user and never posted before but am so disgusted at Sainsburys I feel compelled to let others know. Sainsburys are advertising (on this site in fact) 6.8% loans, as I use this site a lot I thought I would apply. My own bank had already agreed a loan at 8.5% so I had no worries about being accepted. I applied…
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Loan Bad Credit
I am finally getting all my finances sorted, I have been burying my head in the sand for a while now and finally am sorting it. I need a loan, and as I have very bad credit I dont mind paying alot of interest for this but dont know where to get one? I need the loan to pay off some people I owe money to (family) and other…
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I was confirmed a loan of £1500 from Student Finance but only got £400!!
I'm in my final year at University and was confirmed a £1500 loan from Student Finance, but only received £400. I was also told about this change only 7 days before they were due to pay me!!! has anyone got any advice?
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Cashoomoney.co.uk Scam
Hi guys, I recently went onto cashoomoney.co.uk to get some qoutes for a 'pay day' loan. Then a few days later I have found a payment of 67.70 taken from my bank account, this has resulted in my account going over the overdraft limit. I emailed them and got a responce within 20 minutes, say that the £67 was a signing up…
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car finance cash back
been offered a finance deal of 350 a month with 130 a month cash back paid into my account same day as the finance comes out, this is for 60 months and cash back is for a year, been told to finance next year to get payments down, is this a good idea or has any one had a similar deal? dave
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Consolidate or not?
I have around 12k of credit card debt split over 2 cards, and am beginning to find the minimum monthly payments (total around £300 a month) leave me a little tight each month. I have a mortgage, my credit rating is good and have recently just paid off my car loan. I earn around 30k a year, and I have always transferred to…
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Consolidate?
I have 2 cars on HP and a bank loan, In total I owe around £18,500. I currently pay a total of £457 per month for all three. I have around 4/5 years left of paying. Is it worth getting one loan of £18,500 over 5 years, paying off my 2 cars and loan and just have one monthly payment?
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Best way to borrow £27k for only one month
I may post this in a few forums, as I'm not really sure where and how to go about this.... I am paying off the developer who owns a 25% share in my house. The settlement is £27k and they want this on or before end of June. I'm in the process of selling another property, and completion is due to take place on 1st August,…
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loan advice
Hello all, I'm after some advice, regarding getting a loan to pay off a credit card. I have a credit card I'm paying off monthly, I'm paying over the minimum payment every month, by around £30 a month at the moment but this will increase as the min payment goes down. I pay £130 a month right now. The interest rate is 18%…
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Getting car finance
Hi there Me and partner need to get a new car as ours is on its last legs and with doing far to many miles a day/week we need a reliable car. we are looking at finance on a 5-6k car which frees up some cash for a cheaper 1k 2nd car as we are struggling on one car with work etc. i have 2 overdrafts but both are clear and i…
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Loan vs. Credit Card - Rock and a Hard Place
Hi all, Not to use that old get out clause, but Im sorry if i've posted in the wrong bit of the forum. So many areas seem to fit this question, so I have no idea where it should go! I'm looking to clear my student overdraft of £1600. At the minute, I bounce between -£1600 and £0 every pay day and soon Natwest are going to…
