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who owns the car when the finance is paid off?
me or my ex?? joint car finance taken out when we were married, he didnt drive so I was registered keeper then and have been since. we took 7 year agreement out in 2006 both paid from joint account separated in 2010 and all that was said was that 'i can keep car if i make the payments' verbal agreement only...i think, must…
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Wonga Repayment Plan
Hi All, I thought I'd just write about my experience with Wonga and repaying a payday loan I could no longer afford. Sigh, I know, taking out payday loans isn't something I should have done, however I had a very large unexpected expense I had to pay in January involving my car and my only option was to use Wonga as they…
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wonga site gone faulty
it seems they have updated there system from fraud well my card repayment was deleted so i try to readd and i get Oops! We're having problems adding this card, please try again later. anyone got this problem
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Money Shop have taken money from my account!
A similar post has more than likely been created. However, last month my wages were really short due to an issue on payrolls end, which resulted in me (very stupidly), going to the Money Shop, I had asked them if I could pay the loan back over 2 months so it wasn't such a hefty amount coming out of my bank in case I had…
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Interest payments on old loans
Hi I hope someone can offer some advice! In 2008 we took out a loan with Welcome Finance. We paid off £2k of the loan and then due to circumstances changing (for the worse) could no longer afford the repayments. Communications broke down and other life situations become more pressing this was put on the back burner.…
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Over paying on loan
How easy is it to do. My oh seems to think it's just a case of going to the counter at our local branch with the loan number and handing over the cash.. Is this true or really not that simple. :)
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Loaned money to my (now) ex - advice appreciated
Hi, I'm really hoping someone can give me some advice on a rather awkward situation... I loaned £3500 to my (now) ex almost at the beginning of our relationship. I realise now this was pretty naive :o I was 17 at the time and, well, you live and learn. I'd been brought up that you pay your debts in full, on time and to the…
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Help! Payday loan-paid off balance but they charged me extra!
I took a loan out with mr lender for £300 and after 13 days rang up to cancel it. The FSA states that any loan has a 14 day cooling off period so I was within my rights to cancel. I rang and the girl said that's fine they will charge my card to cancel the loan and i wont owe any further money. I asked how much they will…
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hi
ok.this is my first post and dont even know if i am doing this right!!ha.hello folks.or forum..or whoever:p can anybody help me out by telling me that i can get a loan for a course before college in august or not.im clueless on this site:o
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PCP Early Completion Rebate
Does anyone know how to calculate the interest rebate given when settling a PCP. I am buying a new car and planned to pay the balance in cash but the dealer has pointed out that the manufactures will pay an extra £1000 of my deposit and the rate is reduced to 4.9% APR. He points out that the PCP can be paid early after 6…
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MSE News: Which? wants payday loans clampdown
"Borrowers who find themselves locked out of mainstream credit are drowning in a vicious cycle of high-cost loans..." Read the full story: Which? wants payday loans clampdown Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read our New to Forum? Intro…
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Credit card or loan?
Hello all, new to this and generally ignorant of the subject. I tend to be a cash in hand type of person, so please be gentle with me. I need to purchase a vehicle at short notice. I have £5k in cash, maybe a little more and I would like another £5k in addition, I would repay any loan over 2 years. I am a home owner, I…
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Messy Application?
Hi All, I need to replace my car and need to either take finance or a personal loan to do this. Probably the latter. My financial circumstances are fine, and paying it off isn't a concern for me thankfully. However, my application could be a bit confusing / messy and I'm concerned it might mean my loan is declined or…
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How to raise money to fund big extention/renovation?
Hi, I hope you could help us fund a solution. We are looking to buy a large bungalow with a view to convert it into a 2 storey family home. The purchase price is £500k, our mortgage balance is £400k (80% loan to value). It will cost around £150k to extend upwards and renovate the property, and we will ned to raise £100k.…
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Natwest Personal Loans, extraordinary!
Hi All, This is my fist tim using the MSE forum and i was hoping to see if any one could shed some light or help me with my predicament. I have just made my final payment on a personal loan i took out in 2008 with NatWest Bank when i was 18. The loan amount was originally £5000, to consolodate a few bills and purchase a…
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Personal loan made to now deceased - tax liability
Hello there I am posting on behalf of a family member who loaned money (personal loan) to another family member, who very sadly recently died. Whilst this has been a horrible time for me personally I am in the position of needing some financial advice - on behalf of the other two parties. It may be best to seek…
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How can I find out my total credit available?
How can I find out what the total amount of credit is that I will have available? I'm guessing there are only so many loans and credit cards an individual can have? i.e. I earn £40k a year. My total credit based on income and credit rating is £20k. If i have a credit card with £5k limit the most I can be offered with a…
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How can I change a secured loan to an unsecured one?
I am in a position where I purchased a house for £82,500 in 2005. In 2007 a £20,000 loan was secured against the property. The situation is that I am umeployed atm and my husband is self employed. The business turnover has been steadily decreasing for over a year now. In the beginning we were able to keep our heads above…
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Complicated "Family" Loan Situation
Hi all, Sorry if this is in the wrong place but I'm looking for some guidance on a debt that is / was owed to family (in-laws) that has gotten rather complicated... Over a period of about a year I borrowed around 11k from a family member and paid back 2k before a change in circumstances prevented me from making any more…
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Help with Barclays PF Loan
Hey guys, this is my first post so please don't eat me alive. I have just bought a new car; essentially long story very short; I had 5.5k left on my old car loan - that was my settlement figure - with Barclays PF - they gave me 4.5k for my car so I had 1k left over which Suzuki added to my new car loan So my finance is now…
