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14yr old debt help please !
hi im new here , hope i can get some advice on an old debt originally with barclays i hope its not to confusing for people . basically i took out a loan for £2000 with barclays, paying 80mth back, fell pregnant was sacked from my job and even though i had loan insurance they didnt cover pregnancy so therefore i was unable…
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Consolidate debts???
Hi all, i'm new on here and just a little advice would be much appreciated. Basically me and my wife have debts of just short of £8000, 1 credit card 1 loan and a couple of overdrafts and we are managing to pay bits off each, although slowly. The credit card is the worst culprit, £5000 on that. I'm seriously thinking of…
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Will paying off a loan harm my credit rating?
I have a loan on my car and this is the only loan I have. No student loans, no credit cards, nothing. It is for about 5 years and paying it off in installments will cost me about £1000 in interest. My Experian credit report has me down as Excellent on all the areas it checks for, apart from one where I'm rated as good (I'm…
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An idea to get problems solved
The more I read around this place, the mre i ask myself the same question. A lot of people come here, say things about how companies have treated them, slag them off (mostly justified) and point out the bad points about the company. Other people come here for advice on "getting of" having to repay (most of these people get…
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Car Finance, to pay or not to pay??
Hi, I took a 5 year loan with Black Horse in 2009 for a 6 month old Corsa. My montly payments have been £220 per month and the loan finishes in August 2014. I have recently been given some inheritence money so asked for an early settlement fee which was £5,170 but I didn't have the money in time to pay it (you get a two…
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Student Overdraft Help!
Hi there I quit uni a year ago with a £1250 interest free overdraft with Natwest. I have been working for the past year however haven't managed to make a dent in this. I have just had a letter through the post saying they will be swapping my account to a graduate account (I haven't informed them I have quit!(Stupid I…
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Business Loans & Personal Guarantees
Help - are the bank right? I increased an existing business loan by £100k and signed a personal guarantee for the increase. I have since paid down the business loan from £340k (£240k + £100K) to £285K but now the bank have asked for my business loan back and the £100k I personally guaranteed. Consequently my business is up…
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Old Student Loan debt!!
Please help! :eek: I have just received notification from my employer that theywill start student loan deductions as they have been instructed to do so byHMRC.:mad: I was a student in 2002-2005. I started work in 2007 and have been earningover the threshold limit since then, however I have never had any deductionsbeing…
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Old debt 10 years ago
Hi I received a letter from a company called Clarity explaining that I had a debt of 7K which was in the form of a unsecured loan and this was taken out 11 years ago. According to them I have made payments up to 2003 and after that I stopped paying. I have received no communication from this company in relation to this…
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Loan repayment level set too low to pay off loan during term
I have an loan half way through its term. I just calculated that with the current repayments it wont pay everything off in time. I took a 10 year loan, fixed payments, variable rate. I have continued paying the same despite the interest rate drop to shave years off. The loan was agreed as 10 year, 120 payments at this…
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consolidating debts - advice please
We currently have four credit cards, a store card, a catalogue and a personal loan which equal £18500. We need to seriously reduce our outgoings and thought about remortgaging however we are tied to our current deal until 2015 ( there would be a £3500 get out penalty ). I have contacted our mortgage supplier (northern…
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Can I pay off a HSBC personal loan with a credit card?
Im thinking once I have the credit card down to £2000, paying it off with a 0% credit card. Do they accept payments by a credit card though?
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Help with Loan
Hi, Hoping someone can help that is or has been in a similar situation to me, I'm looking for a car loan for around £5-7K and looking to pay around £140 - £180 back per month, I have a fair credit rating (unfortunately 3 points off of a good credit rating, but can't bring it up no matter how hard I try). I earn £1.5k per…
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1-2-1 Finance - where do i stand
Hi I recently agreed a load with 121 finance for some cosmetic surgery to remove my PIP implants. When i applied i used the figures which MYA gave me at the time (£4,400) and a £500 cash deposit and i was happy with the repayments. They required final documents which i sent through electronically and these were coipies of…
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Clydesdale bank - Loans
Just wondering if anyone on here has any expierence in taking out a Cyldesdale loan before. A few questions. • Says on comparison websites there rate is 6% is that a true guideline? • Are the efficient? How quickly will my money be in my account? • Can you take out a loan without having a bank account with them? • Are they…
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BMW Finance, better than my bank?
Hi lovely people I was after some advice... I would like to buy a used BMW. Looking to spend about 20k ish. Have up to 5k to put down and need to borrow the rest. I have a pre-approved offer from my bank Halifax, for the 15k, but the APR is high at around 14%!! This FRUSTRATES me, because I've had two previous loans with…
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Right financial
Do not pay these !!!!! Anything they are cons,i nearly fell for these muck,card cancelled they now get fa off me,do not go there!!!
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Electoral Roll - How do I get on quicker?
I haven't been on the electoral roll for about a year now and have moved addresses. I sent back the paperwork to my local council and they've said my records won't be updated until October! I have my credit file and it's great other than this problem. I need to get a car loan asap for work and I know the electoral roll…
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Will taking a loan out help or hinder my credit rating?
If I take a small loan out (£1,000) but meet the repayments, will it help or hinder my credit report. Does it go against me if i was refused
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Paying loan off early
Please help. I have a loan with Lloyds tsb. I have received a settlement figure for £6511.86 valid for the next thirty days. I have the money to pay this off, however when i went into the branch to do this today i noticed that this included an EARLY SETTLEMENT ADJUSTMENT of £172.19 so the actual amount I owed on the loan…
