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Need advice..credit card or loan?
Hi there. Hoping someone can help us. The basics 1st of all. We have a credit card with a balance of £3000 and a limit of £4600 which the 0% offer runs out next month. We also have another card with £0 balance and £8000 limit with a 6.9% LOB offer. We also now need £4500 for a new bolier and all the work required . My head…
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borrow 10K to repay in 2 years?
We want to borrow 10K and are confident can repay in 2 years. Have mortgage on house with faily low LTV. Wondering what cheapest way - mortgage, loan (secured or not) or other way and would appreciate advice. Thanks.
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declined a joint bank account
Hi, Im not sure exactly which forum to post this one so please move if ive got it wrong .. The story is that my partner moved in to my house 2 years ago now - mortgage in my sole name still. We each have our own bank accounts and I have a credit card in my name with him as an added card holder. We are getting married later…
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loan verses british gas
hi this is my first post we have just had a quote for a new boiler from british gas we are pensioners and wondered if it would be better to get a personal loan and pay bg the full amount we dont know if it would work out cheaper any thoughts please we are in a quandry many thanks
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Santander are OUTRAGEOUS
My husband and I purchased sofas from DFS last July and was told we could buy now pay later for a year. We had planned to have the £930 in place for payment this July but unforseen circumstances means we have got to pay £155 for 6 months and the agreement was taken out with Santander Cards We received a letter from them in…
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Lowell Portfolio transactions.
I've recently noticed that I have had some payments being taken out from my bank account to a company called Lowell Portfolio. Before I had noticed this I had no idea who they were. It was only after a google search that I discovered that they are some sort of debt agency. Problem is, I have no idea what the debt is for or…
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Quick Loans
Hi I have a good credit rating but need a loan quick. is there anyway I can get one without using payday loans in 24 hours? I dont have an overdraft and have never used credit cards so I have to get a loan.
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What shall i do about paying load while travelling?
Hi I'm looking for some advice.. im going away travelling and have a loan (not load!!) repayment of £150 / month. I dont know what to do as I want to go away for a year or two and having to pay this is going to be pretty hard. I was wondering about getting a 0% credit card and tranferring the balance and repaying the…
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Anyone heard of this organisation?
Hello to you all, I have searched on here and on the web and I cannot find reviews or information for the following organisation: http://www.ruffordcredit.co.uk All I can find out so far is that they are part of: http://www.cavo.co.uk/ Who in turn are part of Cavendish Finance? I was wondering if anyone has any experience…
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'Link' and Student Loans.
Im not sure if this is in the right place, so feel free to move! Ive got a long standing dispute with a company called 'Link' regarding my student loan from 1996. I 'deffered' payment of my loan every year with the student loan company, but for reasons unknown to myself, last year, they passed the loan on to 'link' for…
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Reinvest student Loans
Hello, I need some advice. I have just finished my second year at university. For the last two years I haven't really used my maintenance loan as I have a job and other savings. So I have 6,000 presently lying in my student account that I don't use. My questions are: 1. What should I do with this £6000 should I put it into…
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Advice re loans and where to look
Hi all, Just after a bit of advice, a slight !!!! up by me has led me to this situation, and not sure where to turn. Background is im after £1000, 1 year loan to pay for a holiday to the far east with my partner to Indonesia. I did bank with Santander, and have just switched all dd's etc over to lloyds in may, and 1 dd…
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How to be rid of my secured loan (with credit cards?)
Ok, I was an idiot, and really regret it, but some years back I needed money to complete essential house repairs...... I owe Blenheim Finance £14,500 (and whatever they will ask for in early resettlement fees etc) I currently repay £138.14 per month (25 year term with 20 years left) and wonder if there's a better finance…
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Rule of 78
Hi, Have a loan with Tesco Bank. I Had PPI on it which I recently cancelled, but they have only dropped the monthly payment by £19.18 even though my loan Agreement states that I'm paying £42.63 a month in PPI (was added to loan at beginning and interest was added to it. I think it's called a front loaded policy). When I…
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Mis Sold Blackhorse Loan
Hi All, In 2008 my mum applied for a secured loan with blackhorse. The loan was approved on the condition she could someone to counter sign, so I did. I spoke to blackhorse in april regarding the account as my mum had missed payments and I wanted my name removed from the loan as it was affecting my credit. On various…
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Haven't got Bad Credit, i have too much credit
Hello everyone, my first post and i am looking for some help. I'm basically in trouble with my finances, The details are below.... The terms of my overdraft changed (cant complain about that) and my interest free on credit cards ran out, meaning i am paying interest on pretty much everything. One of my overdrafts has £2 a…
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How best to repair a "Rejection Spiral" !!!!-up
Ok I was a k**b, I have a loan managed it easily but wanted to get a cheaper rate over a shorter period to pay it back, I was rejected by one company so tried again and rejected again (and tried again and was rejected again).... Basically I think I've ruined my most likely good credit score with multiple searches with…
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Business loan
Person A purchases business with 25k business loan. Decides wants out and wants rid after a few years still while still having 20k of loan left. Wants to sell for 22k. Person B will purchase business for 22k. Will pay £2k in cash to the business owner (close friend) and will take the business loan payments over. Obviously…
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Advice on these please
Hi looking for advice on these nextpayday.co.uk i was wondering if they deliver Loans as they say. I have Bad Credit and just need a short term loan
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got bad credit but need a loan....
Hi!! 1st off I was declared bankrupt 2 years ago - altho the whole process was ova in 6 month. Presently I'm working ''permitted work'' - (this is where i can work up to 15 hours and no more than £95 per week) while on incapacity benefit - But I want to prepare myself with some more training for when I come off permitted…
