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Un Secured Loan settlement figure advice
Hi, I currently have outstanding an unsecured loan with a relatively high interest rate. This loan was taken out in 2008 for £4000 for 7 years, repaying £91.83p a month. (Ridiculous I know!) I have currently paid back £3577.54p and according to customer service this morning, have a settlement figure of £3082.80p. As I have…
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Car Loan
I bought a car from a dealer with a Barclays Fixed Sum Loan over 4 years and was told i could hand the car back at the halfway point. I did this with my daughters car 2 years ago with Fiat Finance and there was not a problem as long as it had a MOT. i phoned Barclays 7/9/11 but was told they would not take the car back go…
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loan
hello, i have decided to take a one year career break from work and travel so need to finance this some way,I have loads of equity in my property (value£170,000) and a small 9 year £18,000 mortgage left which is fixed for another 4 years at 4.6 % £230 monthly payment the other 5 years to be arranged when first deal finish.…
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Where can I get a low rate loan for bad credit, without being robbed? PLEASE HELP!!
Where can i get a lowish rate loan, with bad credit without being mugged off? As i have had a few companies contact me, who are clearly trying to get as much money out of poor and vunrable people as they can. One company even wanted paying before i got the loan, which surely cannot be right!! Please HELP!! Many Thanks.:)
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Loan Advice Please
Hey folks, First time poster but long time fan of the site. I am looking for much needed advice if possible regarding my current loan. Apologies if this is a tad long winded. My wife and I have recently separated and following this she has taken over the flat we shared. She 'bought me out' of the flat and i was happy with…
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financial statements
Hi can anyone tell me , if my husband has to make a statement about a debt of HIS ..(I am not named) does he have to include my DWP benefits.? I do transfer some money into his account to cover food. Should I just pay for this myself and not put money in his account ??? Is this classed as an income to him?? We have no…
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business loan/accounts in joint name without full knowledge/consent of 1 party + more
Hi all, To simplify a very complicated issue, My parents split, my father used to organise and run all of the finances/business etc and as he had a terrible credit rating/previous bankruptcy used to use my mums name/details. fast forward 30 years of marriage, he's left, she's stuck with a business loan in a joint name with…
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Guarentor problems
Hi i hope you can help. last yr i stupidly went guarentor for a friends loan as she was currently selling her house and in rented, she assured me (verbally) that she would pay the loan off once the house was completed. She has defaulted on the loan either paying late or incomplete since january and is now not paying at…
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Which is best approach
Aim is pretty simple ... want to change my boat ... seen what I want to buy, would need to borrow £25k Over 5yrs this is showing best at £490 p m As soon as I have new boat, would put existing one for sale .. would expect once sold to then be able to reduce loan to £10k (or less) and over 2 or 3 yrs. I know I will hit some…
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Appealing a PCDL Loan decision, pretty urgent!
Hi, I need some urgent help/advice about appealing a loan decision. I applied to the Co-op about a PCDL, £2750 for fees, and £6090 for living costs. I listed the details as they wanted; filled out the form correctly; enclosed an SAE with a covering note to get my documents I had to send, back; and I forked out £5.90 for…
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credit report question
just a quick one, got me experian credit report the other day and under account information all my partners/girlfriend details where on as well. now she got a few late payments and stuff nowt major but mine its near perfect so what im asking is will here information affect my credit on my report
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No job loan
Hi I have a perfect credit score, always paid my bills, credit cards in full, previous loans etc, but I have no mortgage. I need a loan for a business opportunity, but don't fancy trying to explain it to the bank. Can I get a personal loan of around 5K with no current job, or income? Thanks
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Mortgage Booking Fee Warning
I have been unfortunate enough to pay a £250 fee to a mortgage company called Godiva who subsequently refuse to loan. The reason for refusal is they claim the 100k mortgage is not secure as the flat (market value 160k) is near a commercial premises (restaurant). How can i fight this or get a refund, they state refunds are…
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Long term loan
Hello Everyone I need a long-term unsecured personal loan of up to £15k that I can repay at a rate of about £80 a month, to repay my debts and replace my aging car. My research suggests legitimate sources don't offer such loans. Does anyone know of anywhere who'll lend that much money with very low repayments over a long…
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HPDI Fee - what does it mean
Hi I have had a statement from WFS - the first one I have ever received since taking out my car loan since 2007. In this it states there were debited the following fees: HPDI FEE - which I understand is hire Purchase Default Interest - however this agreement has NEVER been defaulted so why would they deduct this…
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MisSold Loan instead of Hire Purchase
Hi all, When I bought my caravan direct from a holiday park in 2009 I was told that this was bought as a Hire Purchase, only to find out that now we want to have the caravan voluntarily repossesed as we have new commitments that are more important financially that the caravan was financed from a personal loan! I have been…
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Some Loan Advice
Hi, I am in the process of getting a house which was left to me and my mum in my Grandma's will, im swapping some equity with my mum (she is taking my terraced house to rent it out and the value of the house is being put into my Grans place so I can own it outright). This gives us a bit of a problem as the house needs a…
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Student loan payments - when are they credited?
Hi folks, Just a quick question regarding my student loan - if anybody can answer this I'll be really grateful. I've got a couple of grand left to pay, which is great news. I can see the end in sight. I'm really just querying how this will work; I'm paying directly from my salary and I expect to have paid by March/April.…
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car loan question
got a car finance loan out with sanatnder 3/12 year ago for £6500 over 5 year i got £2400 left i want to upgrade the car and settle the 2400 the total amount including the 2400 would be 8 - 8500 yet when the dealer tried to finance this i was declined ive never missed a payment in the whole time i had the car on this and…
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Currys/comet finance
Hi, just wondering if anyone can tell me how easy/difficult it is to get finance with these comapnies? OH has a default on his credit file, everything else is up to date, even just finished paying a loan off, never missed a payment... Can anyone tell me how much of a perfect credit file one might need to get fnance with…
