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Pestered by loan companies
Must have been the glass of red wine but I went into what I thought was the Barclay bank web-site and filled out their loan application out and submitted it. Since then I have been bombarded with phone calla and texts from a variety of companies i.e. Express finance, fast phone loans, Amigo and companies that want to…
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Have they calculated the interest correctly?
Hi all, Took out car finance at end of Feb. £2,700 over 2 years at "interest per year" of 8% (which, apparently, is 28.7% APR based on the assumption that the agreement will last for its intended term and all payments are made when due). They calculated the total interest to be £432 (bringing the total balance to £3,132)…
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Quick cash loans from amigo
Hi, just wondering if anybody can advise me please. I'm aware my sister has recently been taking out quick cash loans from various companies, which she denies however we have correspondence as proof. Done a bit of research and understand a guarantor is required, does anyone know what is needed for someone to become a…
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Car Finance Early Repayment - What will the amount be?
Hi all. I bought a car at the end of February 2012 for £4,700. I paid a £2,000 deposit and took the remaining £2,700 on finance over a 24 month period with Barclay's Partner Finance. The total amount repayable on the credit is, apparently, £3,481, consisting of: 1. The original sum of £2,700.00 2. Interest of £432.00…
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Unsure about Finance Company....
Hi, I'm wondering if anyone can help... I'm contemplating on buying a rather expensive camera on a reputable camera website that deal in UK models. However, I have seen finance available by a company called Pay4Later which is 0% for 12 months in which payments are reduced the higher deposit put down. This seems ideal for…
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Random Calls & Texts for Loans
How do companies get my number to advertise Payday loans and non secure loans to me?! I keep getting calls and text from various companies. I have tried apply for loans through banks, payday loans in the last few months? And my credit rating is not the greatest. do the companies I apply to sell my details on??!!
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Home Improvement Loan
Hi Guys, I'm lookinf for some advice as I'm thinking of taking out a loan for home improvements. The only loan I've ever had is my overdraft and that was a no brainer (well, back then it was!). My flat deperately needs new doors/windows (ground floor, wooden windows and single glazing. Leaks/draughts and 2 attempted break…
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help with welcome finance
I stupidly fell for there scam of charging a fee for doing nothing. I looked on there site at consolidation loans,asked for my details so any future loan could be paid,all looked above board I was then contacted by a dodgy looking loan company and thought something looked odd,a broker who charges me a fee referring me to…
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£15000 loan but just for a few months....
As the title says i am looking to borrow £15000 but only over a few months. This is going to be a house deposit for my stepdaughter who is buying her first home. She will be coming into some inheritance in a few months so can then pay it off but until she gets the funds she needs it for her deposit. She can't get it…
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Default??
Hello I originally defaulted a credit card and loan in 2007, I have made the odd few payment now and again but these feel like they will be with me forever. Ill never get anything again, I was told that these will clear 6 years after the default date, good news I thought, but they wasnt sure if it was 6 years since my last…
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Provident 'fresh start'
I have just had somebody knock on my door regarding an old debt (which i do not dispute) offering a 'fresh start' from provident, he offered me a discount on the debt i owed if i agree to sign up to a repayment plan, when i queried provident being a loan company he replied thats right and in effect its an interest free…
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Anyone had a call from a company, 'CDU'...?
I'm not sure if it refers to a loan company but they keep calling our house refering to our son (aged 22) who is desparate to get money (loans/finance but not in a good way...). Anyone know who/what they are at all? Regards,
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Arden Credit Management
My Egg loan was passed to Arden following my redundancy. I have since made Arden a full and final offer to clear the loan partly using my redundancy money. I have since started a new job with a massive pay cut, and Arden are advising that they will only consider my short settlement offer if I give them written…
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Underwriting?
My wife has just applied for an unsecured loan that has been passed to the underwriters. I was just wondering; what happens in this process? Will she be credit checked again now that it's passed to the underwriters? As we have a joint mortgage, if I now apply for an unsecured loan while hers is still at the underwriting…
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Need help calculating Overdraft interest
Hi, I'm a bit stuck with calculating overdraft interest... Hopefully someone can help. The terms of the overdraft state interest is charged at 3.5% p.a. over Base rate - So therefore, currently 4% p.a. It's a business overdraft and no EAR is given. So, if I was to use the full overdraft facility of £10,000 for a full month…