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I have 3 payday loans which i cant pay, does anyone have details of...
I currently have 3 payday loans which have got out of control over the past few months, ive only been able to make payment of £75 each month to extend them. This has been going on since before christmas, to pay for presents, now i cant seem to pay them off. M own fault, i know. I spoke to payplan and they gave me templates…
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Repaying a loan early
I currently have a loan with Picture Finance and have 8 years remaining. I have the option to move my mortage to another company and pay them off which is about 35k in total. After speaking to them today I was cheaky enough to ask if they would accept an offer or would the 35k be what is required and they suggested to…
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Impossible to get a Loan???
Hi, I have a poor credit history from 2-3 years ago and untill 6 months ago, had never really earned over £26,000. I've always lived in my overdraft and twice been unemployed for 3-6 months over the last 5 years. I know how the traceability factor works but I find it hard to believe a person who is now earning £40,000 a…
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wonga
does anyone know If I can get banned from wonga so I can never use my account again? or something similar to a ban
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Is it possible to pay off a loan with a credit card then balance transfer?
Hi guys and girls, My girlfriend took out a Porfessional Studies Loan with HSBC for her LPC a few years ago that she's been paying off, however last year she decided that she didn't want to stay in law anymore and decided to set up SE as a Holistic & Beauty Therapist. The business is going okay, but it's a bit of a strain…
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Loan help please
Please can you try and help me get my head around some numbers : I have a Natwest loan (balance of yesterday £20,000 at 14.8% - balance of 4 years left). I have been overpaying bits and pieces up to approx £400 each month and then yesterday I over paid £780 and got charged £12.48. I have just phoned to query as I was told…
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Payday loans please read
Hi everyone I'm sure this has been covered a million times but I just wanted to give people a little tip from my own experiance with Pay day loan companys. The main thing I wanted to mention was regarding them fleecing your debit card when you can't repay or even if you have agreed a repayment plan. * I fell into the pay…
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Loan Purpose
Apologies if this has already been covered somewhere in the forum, but my ability to search is pretty poor! I am looking to take out a loan with Tesco Bank. I have an existing loan with them which has about 18 months left to run. I am concerned that if I inform them I want this loan to consolidate debts, I will be charged…
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[HELP]Loan company took funds without permission
new here but a little bird told me you guys can be very helpful. I was very desperate for money a few days ago that i tried a payday loan so i found a website called loan options and filled in the application form that promised a garenteed acceptance, when i finished it said success and i waited and then it said declined…
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debt consolidation
any advice please. i have the following debts. i'm considering getting a loan from a credit union as it will be a lower apr as i dont feel i'm getting anywhere fast with my current loans. very. owe £3500 at 39.6% capital 1. owe £600 at 34% virgin. owe £3500 at 29% the credit union loan is 12% apr. what do you guys think?
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Loan
Hi I'm looking to take out a loan, not right now but later this year for around £3000 to buy a new car. What would be better, taking finance or getting a unsecured loan? It's maybe less than £3000 but not more than that, and I'm looking to repay over 2-3 years. I have no missed payments, no late payments, no defaults, no…
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Need help repaying overdraft!
Hi, I was a part-time student and had to use my overdraft to cover rent and books etc and now I'm £500 in debt. Lloyds are calling asking for the money and I've talked with them but they're getting quite serious. I was thinking of getting a small loan but no banks will loan out money to an unemployed person. Any ideas of…
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HSBC fixed-sum loan question...
Hello. I posted this in the PPI claim-back forum, but am now unsure whether it had anything to do with PPI so i thought i'd have a go here aswel... I took out a fixed-sum loan with HSBC back in 2007. These are the details (taken stright from original agreement paperwork) - Amount of loan - £3500 Period of loan (in months)…
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Please he can't work out interest??
Please can sumone help me! My partner took out a driving course in 2006 and it was a credit agreement with barcleys Fixed apr of 29.8% £3445 total borrowed £177 per month For 36 months I have tried to work this out and I calculate the interest at £1800 aprox not over £2900 that I have been charged can you help me work this…
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0% representative
I been hearing and seeing this phrase for some time now and it's driving me bonkers :mad: I know what 0% means, but can someone please tell me what does the word 'representaive' in the context of a 0% interest loan actually mean?
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loan help!
My mum is self employed, she has never put an even amount of money in her bank account some months she didn't put any money in, she just has a safe at home. Now she would like to take out a loan to expand and kick off this year, but every company she has applied to has said no due to the fact that she has no bank proof of…
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Car finance declined, why?
I have an existing car finance agreement that is 2 years into its 3 year contract. Dealership has agreed to take the car back and clear the finance on this if I'm upgrading. So they put me through the system and I get declined for no apparent reason. I'm an existing customer of the same finance company, I'm earning more…
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Paying back Dad.
Hi there, can anyone help me with a query. My Dad helped me get a deposit together for my house a few years ago and I made a promise to myself that I would return the money to him before he retired. The only way I can get the money together is to borrow additional funds on my mortgage. Does anyone know if this is something…
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Car finance query
Hi guys. I have a Fiat punto which I was stung pretty badly for on a finance deal (naivety was my enemy!) It was a 5 year agreement, and Ive now got just over 18 months to go on it. Ive just rung for a settlement figure as Ill be getting a new car soon, and its about £700 more than I could sell the car for. Ive read about…
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Paying a payday loan with a credit card
Hi, Does anybody know f you can pay a payday loan off with a credit card?
