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Taking out two loans rather than one to get better interest rate???
I need to borrow c.£20000 for building work on our house. I can borrow up to £15000 at 6%. £20000 loans start at 7.9%. What are the chances of getting two loans a couple of months apart so that they are both on the c.6% rate? TIA
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Best way to get a £25,000 loan
We need to extend the lease on our flat which will cost £25,000 :eek: Theres no way of getting round it as the amount goes up by £1000 every year, and we will not be able to sell up as no one will buy it with the lease being as short as it is (I think theres 63 years left now). We want the monthly repayments to be as low…
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Zopa
Has anybody loaned money from Zopa before? I have never heard of them but they offer the best loan for me. Please help!
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Loan Rip OFF
Hi Guys, Hopefully someone can help or even point me in the right direction. I took a loan out of £25,000 secured on my home in 2006, now todate I have repaid over £16,500 but when I got my statement in I still owe £25,200 (not exact) but more than i borrowed! I have written to them to say this is crazy, obviously what…
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Best chance of getting a loan, six years on from bankruptcy?
Hi all, I was discharged from bankruptcy six years ago, and my credit report with Experian is looking pretty good now (962/1000 points). I started a small business three years ago in a village/small town, having borrowed £2,000 from a relative to set it up. I'm a single mother too, so have worked extremely hard. It's a…
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Car Loan Question
Hi ~I stupidly took a loan for a car for my ex to drive, now he will not return the car, i dont want to default on the loan but just get the car back but i dont drive, any ideas how i can get it returned?? I took the loan as he couldnt so cant transfer it either :( Thanks x
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Car Repossession Advice
Hi All Looking for some good sound advice surrounding the best route forward in dealing with Santander Car Finance. I am currently in financial difficulties after many years of living to excess off a very large salary. Last April I quit a well paid job for what was going to be an even better paid one. Part of the package…
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Loan with defaults
Hi Just a query before I screw my credit file further by getting refused loans. I am around £12000 in debt to 4 credit cards and all but one have put their interest up recently and its getting silly. I want to ask my bank if they will give me a loan so I can wipe them all clean and just pay a fixed sum over say two years.…
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Salary sacrifice for career development loan
Does anyone know if it is possible to repay a career development loan (CDL) through salary sacrifice? I think other student loans are taken out of gross pay, so could a CDL be considered in the same category? I was hoping to find the most efficient way of repaying the loan and somehow getting repayments out of gross pay…
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Turned down for preferred loan rate due to recently changing bank
Hi, I dont know if anyone can give me some advice. Just spoken to M and S Underwriters concerning an appplication for a personal loan which they offerred at the rate of 9 % instead of the advertised rate of 6%. The reason given was that we have changed bank accounts in the last three months and also took out an additional…
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Loaned money to my (now ex-) fiance
Hi guys, Any advice on the following would be much appreciated... Before i met him, my now ex-fiance had built up a lot of debt to a number of people including family members, and companies/shops. As he was in so much trouble, I took out a £10k loan (the amount he asked for - i didn't know the exact amount he owed) to help…
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www.personalloanfinder.co.uk
HI all, does anyone know anything about this company personalloanfinder Thank you.
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Personal Guarantee Worry
Hi am wondering if anyone can advise. I am looking at taking over a business that has good yearly profit but holds an indemnity liability over a four year period for commission its been paid (ie payments are loaned to us on the proviso business sticks for four years). To take over I need to sign a personal guarantee so…
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QuickQuid loan. Paid back, still charging interest
My son took out a £400 Quick Quid loan thinking it was for 30 days but when approved and paid out he discovered it was for a year. Not wanting a long term loan he paid it straight back within 5 minutes of it getting to his bank and thought that was the end of it. Turns out they have charged him £96 interest for the first…
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Received Claim Form from ELS & Cole Solicitors
Hello All I had an Alliance and Leicester Credit Card which I could not repay; hence a default repayment was setup for £5.00 per month. The Debt was passed to a Debt Collection Company and I continued paying the £5.00 per month. A few months back my debt was taken over by ARROW GLOBAL LIMITED who called me and said that as…
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pay back loans early
EVENIN ALL JUST A LITTLE HELP IF U PLZ BACK IN 2002 I TOOK OUT A BANK LOAN WITH NAT WEST AMOUNT OF LOAN WAS £22500 PPI £5692 AND INTEREST ON THEM 2 WAS £7951.28p AT 8.9% OVER 72 MONTHS @ £501.99 A MONTH..... AFTER 26 MONTHS I PAID IT ALL OFF WOULD I HAVE GOT A REBATE FOR THE REMAINING 46 MTHS :mad::mad: THANKS 4 LOOKIN
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Short term loan whilst applying for mortgage
Hello all I have a slightly strange situation that requires some genius ideas\thinking. Well, I am currently in the process of purchasing a new build flat. I originally have a 10% deposit, but after speaking to an independant financial advisor, he strongly recommends building my deposit to 15% for better interest rate and…
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Loan written off at HSBC-what happens next?
Hi, I have been trying to help a member of family who, we have only recently found out, has been in financial difficulties for months after previously being self employed. He has completely buried his head in the sand, hasn't been opening mail, answering phone etc. His mortgage is 3 months in arrears, he has a loan and…
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Debt Consolidation Loan - Newbie Advice Please
Hi, I am looking to consolidate a few credit card balances into a personal loan in order to a) combat their constant raising of rates to crazy level and b) to see some light at the end of the tunnel. Current status. Both myself and my wife are employed with a joint income of £40,000. (income can be verified via wage…
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New loan
Does anyone know of loans that you can make overpayments to to pay off the loan early. Thanks for help.
