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short term loan - 4 weeks
Hi I wondered if anyone can help. I have just found out by the wonderful financial ombudsman service that they have upheld by claim with an insurer for a PHI policy. This means nearly 4 years of back payments and reinstatement. I'm delighted. Unfortunately during this time I have amassed debts and have a poor credit rating…
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Chance of car finance with satisfied default?
I am just wondering what the chances are of me being accepted for car finance, with a £200 satisfied default to Next. Long story short, not paying Next was an oversight. As soon as I became aware I satisfied the payment. Default date was 2010. Other than that I have an income of £22k a year and with my employer for the…
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Missing Payment - Credit History?
May I seek some advise for a friend of mine since I have limited knowledge to help him. He has a mortgage and personal loan account. He lost job in sept11, then went overseas and found work – which is not paying much but he managed to use his savings and kept on paying both mortgage and personal loan until now (jul12). Due…
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how many months can you extend one wonga loan for?
like how many times can you roll over one loan, the maximum amount of times? just wondering as i cant find their maximum amount of times anywhere! help appreciated.
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Car HP. Getting out after a year?
Hi I have read a few threads but not quite what im looking for. However this is nice and simple. I am a year in to a £286p/m HP payment Plan. not a problem at first but after a year my situation has changed and I wish to get out of the HP. I dont have a lump sum to pay or I would. A few questions: Can I sell the car…
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Zopa
Hi Everyone I have just been reading Martins page about loans and see that he has mentioned a company called Zopa a few times, which is a peer-to-peer lending service. I am just wondering if anyone has used Zopa and what their experiences are? It looks genuine, well it must be if Martin is suggesting it, but as I have…
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Likelihood of getting a loan
My husband and I are in quite a bit of trouble with our overdraft, constantly being in it or even going over it now. We pay around £1600 into the account, more dependant on mostly my husband's wage, which covers pretty much everything just about. Unfortunately my husband is a dreadful spender and not only do we need money…
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Graduate Loan...but I wasn't a Graduate!
Hi, I've just found some old papers from a loan I took through Lloyds TSB from January 2003. I had taken the loan out to allow me to finish my degree course without having to work the final 6 months. However it turns out I had been given a Graduate Loan rather than a regular loan as I'd expected. The loan was repaid in…
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payday ninja
hello, i come across payday ninja who say they can loan you a small amount of money for up to a month with no credit checks..is this true? it sounds wrong. also can anyone let me know what sort of checks these payday loans normally do do you need to be on electoral roll? if i took a loan with them will they phone my…
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Payday Loans
Im sure wondering how they actually take the money back when its due. Do they setup a direct debt or do they take money from the card i provided. And what if the funds aren't available on that specific day, just worrying about direct debts being taken early since they often do that now.
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garentor. was i right to refuse?
i'm feeling pretty guilty as today, my BIL and his partner put me on the spot a bit by asking me to go garentor on a personal loan due to their credit score. the loan was for a car and to pay off some other loose low end debts and manage their money better. i refused based on the fact that, in the terms and conditions it…
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Get Me Car Finance - Advice
Hi, I have bad credit and applied for car finance through Get Me Car Finance and they want a £25 processing fee - now this of course sets alarm bells running so instead of paying I thought I would google but have found NO information regarding people being conned or scammed Has anyone had any experience with this company…
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Loan after House Completion
I'm in the process of applying for a 75% LTV mortgage. The thing is, my savings are ALL going towards the deposit leaving no money for furniture. I have my own 40 inch tv and sofa from a previous property but that's it. How likely am I to be accepted for a £4k loan if I apply a day or two after completion on the house…
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How is APR on a loan calculated?
Hi I've been approved in principle for a £15,000 loan over 48 months at 6.97%. I'm trying to figure out how much interest I'd be paying each year. Is it just a case of that percentage times the 15k? That would equate to £1,045 each year in interest. I'm thinking that maybe the calculation is not that simple?? Its an…
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Loan company taking money from us for no reason please help!!!!!!
PLEASE PLEASE HELP!!!! We were in a lot of financial trouble last month with both the wife and I of from work due to illness so therefore not getting paid a lot plus we had our little girls birthday to buy for. As we both have bad credit the only option was a loan with high interest so we were looking on the Internet for…
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Car Finance
Hello one and all, Looking for tips,advice and or opinions on car financing. My partner is looking for a new car and was looking at buying via finance. Car advertised @ £2995 or £35 a week. (It's a 2004 vaxhaul corsa 1.3 deisel) Seems like a good deal utill you realise that £35 a week for 3 years = £5460, which to me seems…
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Car finance - can i get out of it??
We have today been to see a car at arnold clark that we like and rather than taking time to think gone ahead with the finance on it. We paid £100 deposit and signed the finance agreement. Since returning home and talking to others we think that we have pushed ourselves to far per month budget wise. Is there any way we can…
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Margin Loan
Margin Loan What are the tax advantages of having a margin loan? I currently have a margin balance of $30,000 and pay about $220 a month in interest. Since my dividend income exceeds that annually, I deduct the margin interest on my taxes.The majority of the dividend income is reinvested but the remainder goes toward…
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Black Horse Finance
I bought a car through Black Horse finance 3yrs ago on a 5yr loan deal, the car cost £7,995 at the time and the monthly repayments were £220 a month. I rang them today to get a settlement figure as I am looking to trade the car in for one of peugeot's just put petrol in deals to be told that I still owe £4,849 !!!! Having…
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NRAM personal loan
Hi There, I have a personal loan with NRAM. The original loan amount was for £4890.40 with a total charge for credit of £888.56 giving a toal loan amount of £5778.96. My last payment was due in March 2014 but i have been overpaying and my last payment will be next month (August) so i will have paid the loan up by about 18…
