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Advice please: loan to consolidate existing debts
hi, I have some small debts amounting to about 1600. I owe to a couple of catalogues, a store card and i bought a tv thru a relatives catalogue on buy now pay next year. The problem is when i ordered the tv i had a second job so thought i could manage the payments, however i was made redundant from this second job about a…
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swift advances need help
My wife and I borrowed £7000 secured on our home from the above company on 26/11/98 for a term of 10 yrs I did fall into arrears in the past. Yesterday I asked Swift for a breakdown of charges and surprisingly it arrived today, to date I have paid them £16,250.66 the amount still owing on the account is £34,419 and rising…
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charges on secured loans
hi can anyone tell me if there are any charges i can reclaim on a secured loan taken out 5 years ago? thanks
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Made A Big mistake
I am an apprentice and I only get paid so much... I took out a loan from Wonga for 300pounds and I took out a Loan from quick quid for 150pounds. Now my parents have found out and they are threatening to kick me out. :(
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Should i make them an offer ???
Hi guys first time posting so please be gentle :) Ok in 2008 i took out a £13000 loan with hsbc it costs me £308 a month to pay back i have never missed a payment and im in the situation of paying it off fully due to a mixture of a payrise , backpay ,savings and a £1500 gift off my mum :) i rang hsbc for a settlment figure…
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Pay Day Loans while on Benefits?
Morning all, my first post here :hello: I'm looking for a little help and advice please? :) I'm after a small loan until payday on Monday. I've never had any loans or credit for over 6 years and am currently on Income Support. The only debt I have is my water rates, which are being deducted from my benefits. I've been…
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Loan to pay off overdraft
Just what the title says really. I have a 5k OD on a personal account and husband and I have the same again on our joint account. Natwest have seemingly not had an issue with this but last month our accounts were transferred to their Recovery unit and we are now under a bit of pressure to take out a loan with them to pay…
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Next credit
Just bought a sofa on finance with next but my credit record is terrible CCjs defaulted accounts etc. I was an idiot when 18 now 24 earning a great wage how come they have given 1100 pounds on tick? Been refused for ccs etc
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Close Motor Finance - missing a payment
Afternoon all, Just after some advice, if anyone can help. My missus has a car on a loan from Close Motor Finance, and she has missed a payment by one day. She phoned them today to pay over the phone, and did it there and then. However, they were after a £40 fee, which she doesn't really know what it was for; consequently,…
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loan fraud
Can anyone help please!? If someone is getting online loan companies to contact my landline number asking for someone who does not live there and is trying to obtain loans in there name at my address is it fraud??????? Thanx
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Bank accounts and missed loan repayments.
Hi folks, trying to get my life in order... with not much help !!! Anyway, I bank with the halifax, I also have 3 loans with them....I am on maternity leave and struggling to make repayments, I have looked into a DMP and if I take this on I have been advised to cancel all direct debits, if I do this can they take any money…
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Consolidation Loan
Is it worth consolidating credit cards in to one loan? I’m not missing any payments or struggling to pay, it’s just taking ages to bring the balances down, I have around £16,000 across five cards. So my thinking is to borrow the £16,000 and pay it off over 3 years monthly payment will be around the same as I currently pay,…
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Adivice on a bank loan repayment
Hi My son has a loan that has a year left to run (think it had been over 3 years). Online it is saying that he has x amount to pay on his loan, he wanted to pay it off so he went into the bank today and asked for a settlement figure so he could pay it off. The settlement figure came back nearly £42.00 more then what he…
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Wage Day Advance Advert - very irresponsible, can we complain?
I am starting to think there should be some strong guidelines for advertising pay day loans. I saw this one this morning and think it is one of the most irresponsible adverts ever: http://www.youtube.com/watch?v=F3e95z5-1uI Holidays and paying off other debt? Thats what they advise people use this for. Also, if you notice,…
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honest offer or con?
hi, looking for advice, been offered a loan of 2.500 but they want me to pay 120 pounds payment 1st, that they say i will get back when the loan is paid into my account,im thinking this may be a con, i would be grateful for any advice on this thanks..
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Large peer 2 peer loan? Or investor?
Evening all, We are currently looking at a business venture that we need an injection of £300k. Due to current borrowing and the relative newness of our current business we cannot get a loan from a bank. Do we have any other options? Out current profit would cover the repayments based on a long term load payment, this is…
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Large peer 2 peer loan? Or investor?
Evening all, We are currently looking at a business venture that we need an injection of £300k. Due to current borrowing and the relative newness of our current business we cannot get a loan from a bank. Do we have any other options? Out current profit would cover the repayments based on a long term load payment, this is…
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Car loan settlement figure
Hey guys. As Ive now discovered that instead of being a HP agreement, my car finance was actually a personal loan agreement, Im trying to work out what the settlement figure would be so I can work out if I can sell for profit or have to make up a loss. Ive requested a figure from the finance company (FGA Capital trading as…
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Stupid husband and payday loan rant
Thanks fot telling me I'm making it up
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Confusion over Credit Account (i.e. Loan) with Littlewoods
So I opened an account with Littlewood's recently, and they offered me a small credit limit (trust me, it's small, because I have seen people here quoting that they have x10 and x20 the same limit) Anyway I made my first purchase and left it be. I went back the next day and saw the order was still "processing" which I was…
