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Best PPI policies
I'm in the process of applying for a loan for consolidation of debts but before doing so I want to make a decision on who to go with for my PPI. I have a fair idea who I want to take my loan with but I've read in various places that it usually works out much cheaper to go with a standalone insurance broker rather than the…
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Nemo
Hi Anyone with experience of Nemo loans?
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I need to sort my credit score out!
Can anyone help please? I need to sort my credit score out, there are numerous defaults on my credit file. I am looking for someone kind enough to analise my debts, send out full and final settlements e.t.c I can give you details, companies, monies owed e.t.c. Please P.M me if you think you can help!!!! :)
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I have not signed a CCA for my loan!
Please Help, In 2004 i worked for a bank as a loans and mortgage adviser. My manager authorised a loan into my bank account without a signature on the CCA. I wrote to the bank a while back to ask for a signed CCA (knowing i hadnt signed one so they couldnt produce one but i was told this was the process). I never recieved…
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APR increased without notification?
My Father in law recently had a stoke which left him unable to work, so as a family we tried to sort out his finances so that life would be a little easier for him. When we looked into a loan he had taken out we noticed that the APR was 27.9% which ment that he was hardly paying off any of the loan. The loan was taken out…
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Penisoner personal loan advice
Which lender is best to approach for a personal loan for a Pensioner under 70 for around £4k. Many Thanks
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Loan or Card
I am looking to swap my cars and will need about £3000 to do this. I have two credit cards which I pay in full most months, and don't go anywhere near the limits. I was looking to get a loan for the purchase, but followed a few threads on here and wondered whether it would be as easy to use my cards to make the purchase.…
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Car Finance - Car broken & not able to afford repairs
Hi any advice on what to do My husband has finance on his car (30 months load - paid 18months - 12 months left to pay) Car has just failed its MOT - would cost about £1,200 to fix it Have not got this kind of money as in loads of debts (thats another story) Have now declared the veh as SORN and it is on the drive for the…
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Natwest Loan Application
Hi, I applied for a Natwest personal loan on Friday online. I thought I would be able to sign online and receive the funds on the next working day but at the end of the application there was no mention of this and they said about sending the forms to me by post. However, when I checked my online banking, the loan has…
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Equity release -v- extend the mortgage
Hello can anybody shed some light on this for me. My mortgage is about to end in 2015. I'm aged 67 while my wife is in her late 50's. Mortgage is endownment guaranteed to meet the full amount mortgaged of 39k. Property now valued at 200k so there seems to be quite a lot of equity in the property. Wanting to use some of…
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Inter-family loan & property restriction
Hi people, we have a situation here where a family member (Fred) wants to borrow 300,000 pounds from another (Vera), to use as a bridging loan in the purchase of a house. Once the existing house has been sold, the cash released will allow Fred to replay 200,000, and Vera will gift Fred the remaining 100,000. Even though…
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Personal Loan with 'Very Low' credit score - BUT EXCELLENT CUSTOMER
Hi, I wonder if anyone could help and offer advice with a dilemma I face. I have a car on hire purchase with 2 remaining payments to make until I reach the 50% threshold to trigger a voluntary arrangement, of which I intend to do. Now, I looked up my credit report on Experian and I am in the 'very low' category because I…
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business and personal loan
Does anyone know if you can get 2 loans we need a business loan for 25k which we can get but need another 10 to 20k will the 25k business loan affect us getting a personal loan?
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Loan for Mortgage
Hiya Needing some advise. Me and my boyfriend have been paying £450 rent in a private let for over 4 years and have been given the chance of a 25% shared ownership - problem being we only have £800 deposit. We have been to the bank and got our mortgage approved and between rent and mortgage paying only £410. Problem we…
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Santander claim I owe more than I actually do.
Back in 2008 we bought our car from The Car Shop, the finance was handled internally, by GE Capitol... all was well for about a year then Santander took over, since then things have gone from bad to worse. At the moment we are in default and are dealing with a company called Anglia they tell us that Santander claim we owe…
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Voluntary termination car finance
I'm so glad I've come across this site! I'm just over half way through a finance agreement on my 9 year old car with Santander. The outstanding amount due is nearly twice as much as the car's worth. There's no point in my flogging it as I can't sell it for the amount due, nor can I make the difference up to settle. My…
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payday loan - can i pay with a credit card?
I have taken an payday loan, as required it in an emergency, if I pay it back within 7 days I can i can get it interest free. I just wondered, I have a 0% credit card... can you pay a payday loan with a credit card or does it have to be a debit card?
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Need loan 750-1k for a 3 months
Hi there, was looking for a help and after long searching online decided to ask here. I need very quick loan between 750-1000 for a 3 months. Maybe someone could recommend any unsecured loan web or anything that could help me. Many thanks
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Egg Loan - Changed date direct debit - now monthly amount gone up
Hi there I have an egg loan that I am trying to clear asap. I currently owe approx £1,700. I have got just over a year to go on it, I am paying £138.50 per month and the interest rate is 7.9%. My question is, a few months ago I rang them and wanted to change the date the direct debit comes out on, it was the 7th of the…
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Helping mum with loan settlement
Hi lovely people :) I am after some advice for my mum. Short version is my mum is disabled. She will never be able to work and is on high rate DLA and IB. She has a loan taken out 3 years ago (before the attack which caused her to be disabled) but now the £150p/m payment is taking nearly 35% of her income. My mum is…
