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help need advice about paying off bank loans
hi, i am thinking of paying my bank loan with nat west, i was thinking of getting a balance transfer to pay it, so i rang the bank and asked how much i would need to pay if i paid it off in one go, i pay around £190 a month and there is around £4300.00 still to pay, i was thinking that if i paid now i would not have to pay…
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First direct mortgage for a home exchange abroad? Anyone know?
I have the opportunity to work in Australia for 2 years. I have a mortgage on my home with First Direct, with an LTV of ~50%. I do not wish to rent my house out, as I would prefer to leave my stuff in it. I have been working on a Home Exchange with a family in Australia, and we have agreed in principle they would live in…
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Student grant repayment
I'm looking for advice around the repayment of a student grant that was overpaid to me in January 2010. I received a letter from the student loans company on the 7th Dec 2011, saying that they were writing to recover the money now. I was already aware of the overpayment and had called them in March 2010 to give back the…
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paying off bank loans
hi can i pay off my bank loan using balance transfer that intrest free for a year or so
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Loan repayment problem
Hello All, I too out a loan with HSBC after i came into some difficulty but no one there seems to be able to answer my questions about my loan or give a damn about my problem. At the time of taking the loan some bright spark decided that my monthly direct debit would be best suited to the 19th of the month based on when my…
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JD williams account? Credit file - i'm confused
Hi there, yesterday, i registered on the JD williams website but i don't think i read the tos ect. Today, i checked out my credit file on credit expert and it has the following: Entry Number: P1 Name: xxxxxxxxxx Address: xxxxxxxxxx Date of birth: xxxxxxxxxxx Searched on: 11/01/2012 Time at address: xxxxxx Searched By: J D…
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mis sold bank loan, based on the interest please help
Hi Folks I have had a lot of success got PPI over 1200 and got bank charges back 300. But i am not sure what to do about this problem i have i took out a non secuired load after getting 3 quotes from high street banks. I was offered 2 different kinds of loans, one where the interest was all paid in the beginning and the…
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Credit file
Hi, Can someone please tell me how long does it take for a imprint to go onto my credit file from a lender when I apply for a loan? Is it immediate? Many thanks
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Welcome Finance – CONFUSED!!! - Please HELP ME!
Hi all, hope someone can help me! I’m self-employed and got into cash flow problems when a client went bust and knocked me for a large sum of money. To try and tide myself over I stupidly took out a load form welcome finance in November 2008 for £3,000 (£244 PM over 37 months). I paid 24 instalment, totalling £6,100. I…
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MSE News: Wonga branded 'morally offensive' for targeting students
This is the discussion thread for the following MSE News Story: "The payday loan firm is at the centre of outrage for encouraging students to take one of its mega-expensive loans ..." Read the full story: Wonga branded 'morally offensive' for targeting students
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Credit Cards Vicious Circle
We hope some-one can help with our dilemma. We’ll try to keep it short(ish). I am employed as an airline pilot and as such earn a pretty good wage. However almost 2 ½ years ago I had a medical problem which kept me off work for almost a year. Whilst we had insurance it didn’t cover all the bills and we had to use the cards…
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need urgent advice
we had a loan with a certain company, couldn't pay and are now paying at a reduced rate through a debt company. However the loan company have been adding charges for admin and as it looks we will never be out of debt to them - ever - because they add more than we pay.. Because we told them we wouldn't pay the charges they…
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Loan trouble!
Hi all im a 20 year old needing some advice, Im looking at trying for a loan for 7500 for a car and insurance, i have worked out it is affordable with the average rate loans i have seen on comparison sites but having applid at zopa and sainsburys and been rejected i am now stuck what to do. My grandma has offered to try…
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Ex-Boyfriend + Car Finance
hi All, hope you can help with a bit of pre-emptive advice. In my previous relationship myself and my then boyfriend bought a car using Black Horse finance. I took the loan out in my name as he had/has a very poor credit record. When we split over a year ago he agreed to keep the car and carry on paying me the monthly…
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HP Voluntary Termination
I have had my car for 20 months, due to a change in my personal circumstances i no longer need the car, my HP conctract states that i can hand the car back providing i have paid at least half of the total agreement, i'm certain that i haven't paid half but does anybody know if the finance company will allow me to pay the…
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Lloyds TSB Loan, shock at monthly interest charged
Last January i look out a personal loan for £4600 for a car purchase, been paying £133.26 a month, my bank statements have been showing this on the 23rd of each month so im thinking everything is fine. This week i get a letter through the door, its my yearly loan statement, after every monthly payment i also see they are…
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Secured Loan
Can anyone give me any advice? I've got a secured loan which I took out in 2006 for 12 years which has just over £25k left owing and costs me £396 per month. This is nearly £50 per month more than my mortgage and the problem I have is this. I am finding it increasingly difficult to make ends meet and wondered if there was…
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Natwest "debt consolidation"
Martin, I could really do with some advice on this one!!! Natwest offered me a debt consolidation loan in 2006 of £1200 as I was in my overdraft by £1000. The only reason I was £1000 overdrawn at the point of the debt consolidation offer was because I had had bank charges totalling that amount which snowballed over time.…
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Need some help
Hello all I currently work full time and take home £1400 a month.. My outgoings are around £600 per month before my debts, Currently i have: HSBC Loan @ £241 pcm Santander @ £178 pcm HSBC credit card @ 2500 (£60 min pcm) Barclaycard @ 3000 (£68 min pcm) Vanquis card @ 500 (£20 min pcm) Total: £567 pcm.. I want to pay all…
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Loan Application Insider Info
Hi I have recently applied for the M&S loan that is mentioned on this site at 6.1% APR (subject to checks, etc...). I applied meeting what I believed were all the requirements and got a letter this morning with new conditions of 11.4% (!). I thought this a little odd so I went on Nationwide's online application (principle…
