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Paying off loan early
Hi, couldn't find a suitable calculator so wondering if anyone could help. We have £5,681 left on our loan, pay £328.11 per month plus an overpayment of £200. Do you think we'll have cleared it in about 10 months? Thanks Gemx
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ignore thread
requested this is taken down
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Neighbours ?
I received a phone call this morning, about 7.45am. Then man stated he was from a debt collection agency and could I tell him if Mrs XXXXX was still my neighbour! I told him that Mrs XXXXX passed away about 12 months ago. He then asked me if any of her close relatvies still live in the house, or if not did I know the…
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Debt consolidation - good or bad idea?
Hi all. This is my situation, I've been a bit of an idiot throughout my student life (which ended a year ago). Any advice appreciated..... I've a personal loan of about £9000 left to pay. I've a credit card of £3500 left to pay. My car has 2 years of finance left to pay at approx £3500. All in all my outgoings are around…
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Loan/Creditcard? Dilema Help me
Hi, Looking at making a few home improvements and I need a few grand. Only I do not own a credit card and never have. My husband and I have one incase of emergency. Dont laugh. But the interest rate on it is through the roof. Really just need to withdraw the cash for this job, so m&s/tesco card wouldnt work because it…
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old debt advice
Hi there Ive been receiving countless letters from Lowell financial regarding an unpaid debt prev with the Natwest for £2300. After reading through some posts ive previously managed to successfully get some other debts statute barred which I tried to do with this one. They got back in touch saying that as I made a payment…
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Advice needed re Payday Loan Trap
Hi All I have been skimming over the posts on this forum, and it is comforting to note that there are other sensible, rational people out there who have got themselves into a similar situation to mine. I first took out a payday loan in June 2009 after finding myself short of immediate cash following a stay in hospital, to…
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where can i find a loan for bad credit
i have run into a bit of trouble with finances and im looking for a loan the trouble is i dont have the best of credit. where will i find a payday lender who is likey to accept me ive tried wonga and they said no
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Can I transfer a loan into someone else's name?
Hi, Does anyone know if you're allowed to transfer a personal unsecured loan from your name to someone else's name? (Obviously with the other person's consent! lol) Any info would be appreciated. Thanks
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Don't know if my complaint would be upheld...
Hi, I am a newbie here and in a very difficult situation. I have had a loan that was secured on my home (and can no longer afford the repayments so will potentially lose my home - this is due to the loss of my husband) but recently a financial adviser has told me there's numerous problems with the loan agreement. He has…
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Loan Help Please
Hi, Im looking to take out a loan for £7500 for a car .. i have 1 credit card £500 owed and i catalouge £0 owed. The £500 would be cleared from this loan. i have checked my credit file on credit expert and all is fine with greens all across the board. Where would i have most luck with? what do you think of my chances? i…
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Mobile Money Logbook Loans
Beware of Mobile Money logbook loans - very high interest - loads of hidden charges - contract charges and fees, i.e. borrow £600 - pay back £3K , even when they take your car you still have to pay and pay and it's never ending - harassing behavior that's their motto and ripping you off - I have took a loan with them 2…
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Another Carcraft dillema
My wife and I took out a finance deal in February at Carcraft so we could afford a bigger car. The ordeal we went through there was the same as so many others I have read about today - a 4 hour wait, overly pushy salesman, hard sell on an extended parts "guarantee" and so on. I would not recommend this company to anyone.…
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Sub prime Mortgages??
Does anybody know of any sub prime mortgages out there? I went to a main stream broker who was unable to help. I have 2 credit card defaults & 6,000 debt which is being paid off. I hope to have this paid off by December. I am not being charged interest on it. I have a 10k Deposit & will be looking to buy at the end of the…
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Natwest Graduate Loan
Hello, I am finishing my uni course this summer and have a job offer with a salary 18,000 a year going up to 22,000 when my registration is complete (should be about September). The offer is conditional on me finishing the course but other than that it is a firm offer. I really want to pay an overdraft off I have with…
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Improving my credit file for a mortgage
For the last few years I've been regularly getting rejected for credit. I never missed a payment but I never really used credit and I move rented accommodation regularly. I have always been on electoral roll although there was a three month gap in 2007. I am given 1 star out of 5 stars on my Call Credit account. I assume…
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Credit Score/Check for PCP
Hi can anyone tell me how good your credit score (hopefully you could tell me in regards to Experian/Equifax) has to be to start a PCP? I'm looking into a VW Polo, if this helps. I have good scores but I have a lot of amount of debt:available debt. Would it be helpful (in terms of me getting the car) to put a bigger…
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Loan with Ex! Help
Help help help please! My partner had a loan with his ex, she was the first applicant on the loan, he was the second. When they initially split (3 year ago) she paid half. We have now found out she is and hasn't been paying. We have spoke to the bank and they basically said tough, whilever we are paying something they wont…
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Dead End? Young Couple fighting Loan
Hi all, My wife and I took out a loan to help purchase 2 properties 4 years ago. Long story short, we can no longer afford the payments, and told the bank the same 11 months ago. They basically said tough luck, and we have struggled to make the payments each month since then. We owe in quite a few places and our outgoings…
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PPi reclaim after using service
Does anyone know if I can reclaim PPI even though I have used the service while I was redundant last year? Thanks Andy
