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Barclays partner finance early settlement
Hi, I hope somebody can help me. My dad has a Barclays partner loan that he took out for me to buy me a car. I am half way through the loan and my car has been written off. Last month (month 29) my early settlement was £4988. I would like to know what the following means and what my settlement may be now that I'm half way…
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Payment break from Car Finance
Hi, I was wondering if anyone has had a payment break with Black Horse Car finance. I am currently on maternity leave and with the massive drop in salary, Christmas and other bills to pay, i was contemplating taking a payment break of maybe 2 or 3 months if it was allowed. If possible i would like to add the 2/3 payments…
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Pay Off Loan VS Top Up
Hi everyone. I have a personal loan with Nationwide. I'm currently in Afghanistan serving. The loan was for my car which I have just sold. By the time I return, the amount I received for my car will cover the settlement of my loan balance. A couple of things I need some advice for: I want to purchase a new car (pre-owned).…
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Barclays and the massive loan
Hi, just wanted some advice out there. I went into my branch of Barclays to have a review of my finances and to sort out a Barclaycard balance that was troubling me as i'd reached a balance of £4587.30 and was paying into this £110 each month, at an APR 17.9%. Although not an excuse, my math skills are dire, and I have…
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Need help on loans asap
OK so my partner lost his job due to redundancy and now he is claiming job seekers allowance. We have applied for council tax and housing benefit and we don't qualify (Which sickens me) anyway so its left any debts we had on to me as i am in full time employment, I was wondering where is the best place to get a loan small…
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Car Finance transfer / Insurance question
Hello all, New to this forum & hoping someone can help with this. Basically my mum was starting to struggle with car payments & around the time my own car starting givin me trouble. There was approximately £2,500 owed on the car. So we decided that I would take over the car. At the time we rang up to see if I could simply…
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Help needed with loan and credit rating corrections
I'm self-employed and employed musician I mix music and need to replace broken speakers. I was hoping to use finance over 36 months at 19.5% for £1506. But my credit rating on Noddle shows up as 1/5 I have two graduate bank accounts both in overdraft one is interest free the other is 16.9%. A student credit card 19.9%,…
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Pcp v loan?
Hi guys Have posted a bit here recently about buying a car. Have now discounted the lease through work, but it now boils down to a personal loan or a pcp deal from the dealer. Both ways have almost same monthly payment, there's about £4 a month difference With the loan it would for 5 years and then paid off in full but…
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Should i use a loan to pay off overdraft?
My student overdraft is now £1905.00. (Now 4 years old.) Each month I pay a £5 usage fee and over £10 interest. I don't spend using this account. I pay in a minimum if £10 a month (while repaying other debts that are now coming to an end.) I am yet to decide if a loan would be a better option. I've looked at credit card…
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AK money essentials taking £79 from me!!
I've recently had £79 charged from my account by a company called AK money essentials. I have no idea who this company is, after looking online I've discovered that they have done this to lots of people. I have never had any contact with them so I don't understand how they have took this money. £79 is alot of money to me,…
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HSBC Managed loan can you claim anything?
Has anyone had any joy of claiming anything back, I was told to get one of these awful loans when I asked if I could extend my over draft for 6 months as I was getting a bonus in the June, I was working and always have and would pay it back and cancel my overdraft. I was told no and this managed loan was best and…
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Can't get loan, and I really can't see why
Hi everyone, In the last 3 months I've tried to get a couple of loans for a new bicycle and guitar using the respective stores credit schemes (Think both used a third party finance company though) The bike was for £1000 loan after I'd paid a 30% deposit over 12 months and the guitar £400 loan over 24 months after paying a…
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Loan income/affordability question.
I applied for a loan last week (9/11) under the impression I'd be starting a salaried position within my company today (17/11), however this fell through. My income on salary would have been 1500 per month with an extra 120 through a self-employed project I manage. I was given an agreement in principle and the loan…
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student loan
I have a student loan of £13000.I do not have to start paying until earning over £15000/year. I am not earning that at present.But what happens to the interest that is building,do I have to pay this in the meanwhile?What happens to the interest when a loan is wiped off? Advise please.
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First Plus Loan
I am looking into my parents' finances as they are unfortunately of a generation that trusts people in financial institutions. I have come across a loan from 2005 which was taken out with Firstplus Financial Group Plc based in Cardiff. The loan agreement is a rough scan of the original which can hardly be read, so I called…
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Mortgages and Loan
First I would like some advise on a situation I am in. Could some one please help me by explaining why my mortgage broker explain to me that if I don't close my loan which I had only two more payment to finish my new lender will not carry on with the offer they initial agree. I had use all the £900.00 I save for Xmas to by…
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best way for temporary small financial plug
Unusual situation; looking to buy house 350K I have cash 'deposit' of 320K and would like to borrow 30K (to cover stamp duty as well) for short period, until I sell existing house 150K and barge in France 200k. Need ability to pay off the loan as soon as house or boat sells. Mortgage, secured loan, unsecured loan, not sure…
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Can anyone calculate this for me please?
Hi, I am looking at taking out a £13500 at 5.4% over 5 years with derbyshire to fund a car purchase. Payments will be £256 a month. I understand I can payback early but at a cost of an additional 30days interest. Interest is calculated daily in arrears. If I were to trade in the car after 3 (36 payments) years and repay…
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Swift advances secured loan interest!!
Hi all, I'm sure some of you have experience with Swift as they are just the worst! I currently have a complaint in with the FOS against them which has just been assigned an adjudicator after 6 months but after speaking with her and googling Swift it looks like the FOS cannot do anything about ludicrous interest rates and…
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consolidation gone wrong
Hi This is my first post, however, i love MSE and think you do a great job. I desperately need some advice - about 6 months ago, my husband and i decided to consolidate our debt with a company called money and more. We were very happy that they got our monthly payments down to a manageable level. They told us to send any…
