Loans

Discussion List

• Direct debit changed without notice?

  Hi all, I was hoping someone here could answer a question about a loan i have been paying off and the direct debits. I financed a car the The Funding Corporation some 5 years ago now and i'm pretty much coming to the end of the payments now, if not done so already. I have been paying it off the standard amour every month…

• Loan Advice

  Hi all, Im trying to set up a farm business from scratch. The farm in question is under a 10 year tenancy agreement and is owned by the Forestry Commission who want to give the farm to a young people wishing to start a career in agriculture. Whilst the farm itself is good to go - You still need money to buy livestock,…

• Loan in arrears

  Hi, I wonder if someone can help me? My Partner has got into arrears with his Yorkshire Bank loan. I have made an agreement to pay then £350 per month instead of £291.58 which is crippling us. In February the arrears stood at £991 and I paid the £350. when I rung up in March to pay last Friday, £350 was paid and I asked…

• Multi Complaint Lloyds Loan

  I've got a loan with lloyds tsb in 2004 and had a change of circumstances and had to enter into a credit agreement with them since 2004 due to illness. I sorted an agreement out with them through CCA and I was told that there would be no interest applied to the loan due to my financial circumstances, and I was to make a…

• Payday express advice

  Hello, So yesterday night I took out a payday loan with payday express for £130 due to be repaid to the total tune of just over £160. I no longer need the loan, I haven't touched the money and I did email them prior to them putting it into my account telling them I no longer required it. After I noticed they had…

• What does PP mean on statement

  Hi Can anyone tell me what PP means on a loan statement? I have received a final statement and next to every payment were the letters PP. Thanks

• Mini Car Finance

  Hello! I'm new here so please be gentle. I am about to apply for car finance and would like to hear others experiences of Mini car finance. The advertisied rate is an amazing 4.9% but I assume I won't qualify for this (does anyone?!) I obviously don't want to apply and be turned down as I could probably borrow the money…

• My loan application saga and Nationwide's Soft Search

  My partner and I had been thinking about having a small extension on the back of our house but because of the cost we would have to either wait a couple of years (to save up) or borrow the money to do the work now. As we had good credit history we thought taking a loan might be a good idea so we looked around a bit, read…

• criteria for 17 month interest free credit card

  I am considering applying for the above to pay for replacement windows which I need. I currently have 3 cards. One is in regular use (but paid off each month) and the others are empty spares. I took one of them out last August for 6 months interest free to pay off my new kitchen and paid no interest on it. I am wondering…

• Career Development Loan

  Hello, I would like to start a CIM course in September and it's around £1000 for the certificate, then about £1500 for the diploma. I don't have this in savings so I was looking at Career Development Loans, but I don't have a great credit rating. Do the lenders take this into account? Otherwise I am screwed! Any advice…

• NRAM Together Mortgage + Loan - HELP!!

  I took out a Together Mortgage with Northern Rock in April 2006 which consisted of a £113k mortgage and £16k loan. I sold my property in July 2010 at a loss which meant my mortgage payments reduced and I currently have an outstanding balance of around £10k. On discharging my mortgage, my unsecured loan interest rate…

• Interest outstanding when ending early

  Hi, Bit of advice on a loan my other half took out really, can't confirm with the Credit Union until tomorrow but thought I'd ask here. So, £5000 loan taken out with CU at 10.4% over 60 months so £105.99 p/m with a total interest of £1359.35 = £6359.35 total repayable. She's 20 months into the agreement and wants to end…

• South warks credit union

  Is anyone a member of south warks credit union? if so how do you find them? After a phone conversation they seem a bit vague and disorganised to me. Any onehave any expeience of them?

• Loan help

  Hi could anyone help with understanding APR/interest on loans. My agreement says the APR is 19% but then it also says rate of interest on the amount of credit is 8.85% per annum - I dont understand what this is? The amount of credit borrowed was £5358 over 5 years and the total amount payable is £8693.28. I got the loan…

• Ratesetter - what to make of this???

  I checked this months credit report from Noddle the other day, it was recommending me a 9/10 chance of a ratesetter loan. So I went onto their site to have a look, as there was no credit search involved I went for a quote. Amount - £5,000.00 Term - 36 Months APR - 8.6% Payment - £157.31 Total Amount - £5,664.48 Then to…

• Ex Partners unsecured loan listed against joint mortgage

  Hello, please can anyone offer me advice on my situation. I split with my partner for whom I have a joint mortgage agreement with. My ex has now left the country and has not paid towards the mortgage for over 2 years. He also has an unsecured loan in his sole name listed against the property for which he is now stopped…

• Loan for a Housewife

  Hi there, I was just wondering if anyone could help. I am currently 'mother of 2 babies/housewife' but have a good credit rating due to a loan, credit cards etc I've had since I was employed. I am looking for a loan to consolidate my debt and therefore reduce my monthly outgoing minimum payments. I have income from CB,…

• Independent loan protection

  Hi, I'm not sure if this is posted in the correct section but I'll give it a go! My wife has a car loan with nationwide building society. She did not take out insurance/ppi on the loan with nationwide but sorted it with a broker (griffen) I think. Unfortunately she is now on long term sick and has just gone to half pay,…

• NatWest Loan

  I'm not sure whether I've posted this in the right place, so please feel free to move if appropriate. I've banked with NatWest for over 20 years. I hold a current account with them (with an overdraft), a credit card, a loan, and my mortgage. I contacted them last year to request they consolidate my existing loan, credit…

• Mother lying about family loan

  2003 andy's mum (Jennifer) and dad (Paul) are getting divorced Jennifer tells Andy and his brother Gavin that she wants to protect their inheritance so she buys a house (in their name) using money from her account (we think). So that money (40k) is safe. It's theirs. There is no charge on the house, nothing to say that the…