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Get a loan or pay cash for purchase?
Lets say you were looking to buy something for a reasonable sum. Perhaps a used car or other major purchase? Lets say the total cost was £8000,you have an excellent credit history. Would you buy the car with cash or would you seek the very best loan..maybe 5.5% and what would be the rationale for your decision?
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PPI Lloyds
Hiya guys, I had a loan with Lloyds recently, (last 5 years) and asked them a few months ago on the phone whether it had PPI on it, they said no. Am I being naive by trusting their answer is correct? I was making an overpayment at the time and just asked outright. Cheers guys
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applying for education loans
Has anyone managed to apply for an increased maintenance loan for their twins going to uni at the same time? Whilst the application seems to take into account dependants it doesn't seem to adjust the level that can be borrowed by the student due to parental income having to top up two students income not one.....help
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want to buy a newish car
want to buy a newish car for £3000-£5000 , but have no money, what's the best deal can I get which will allow me to don't over pay like £1000-£2000 ? where the best place to get the best deal? going to the delership and get a loan where I'm buying the car from? or better apply for a credit card? or maybe getting a car loan…
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Which Loan?
Hi All, Looking to borrow £2500-£3000 over 24//26months to purchase a new motorbike. I am 18, what type of credit is best? Obviously Im after the cheapest type of loan, but I am pulling my hair out with looking! Thanks
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please help me.
I stupidly took out a loan for my boyfriends mum. They are now saying they won't pay the loan off even though I didn't see a penny of the loan. I don't work and have no way of paying it off. I was wondering what my rights are. I took the loan on the agreement they would pay it off. The last thing I want is debt collectors…
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Urgent Loan
I really need a £3000 loan, i have bad credit and not working, i know i probably aint gonna get one but im seriously out of options and tried everything! I need the money to pay me rent so i can keep my house! none of my family will help me, i just feel so low!
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Log Book loans - Mobile Money, help!!
Hi, last may my partner took out a log book loan on his landrover for £1000 with mobile money. it was over 18 months and repayments were £168 a month. we fell on really hard times just before christmas this year and in november we took out another £200 which topped the loan back up to £1000, we were due to be paying back…
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loan referral
Last tuesday i applied for a intrest free loan from ikea to buy a new kitchen using there finance service ikano.The loan went on referral and i was told i would hear within the week. I have not yet heard back from them and and probably will ring them if i hear nothing by the weekend. what i would like to know is it normal…
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Balance transfer Personal loan to Credit card
Does anyone think that this is a good idea ? Briefly, i have a personal loan with my Bank of approxinately £6K with around 4 years left to pay. I am paying around £155 pm and the interest rate is 8.9%. !! I was thinking of obtaining a 0% credit card for a 24 month period and transfering the personal loan balance to the…
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Speed loan LPI
I took out a loan in 2011 with speed loan for a twelve month period. I cancelled the direct debit with two months left to pay. I have tried to get in touch with speed loan via letter to try and pay the arrears but I have never had a response. I got home today and a statement has been sent from them advising that in the…
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Nationwide 'soft search' 11.4%
Hi everyone Im currently trying to consolidate my credit cards into a three year loan for £10,000. Ive been quoted 11.4% by Nationwide soft search and have a few questions. How likely am I to get the 11.4% the soft search suggests, and is this an OK rate? I do have another loan with them that is half way through the term,…
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Add more to mortgage? Or other options..
Hello All, We recently purchased a house with a 60k mortgage (20k deposit). We need a further 10k to carry out repairs to the property. I heard somewhere that this can be added to the existing mortgage on the property? Is this right? If so, is this the best solution? I have no credit card debts at the moment, just student…
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Refused Tesco personal loan due to having a payday loan on my bank statement
Hi all, I am looking to consolidate some credit cards and an existing loan. I applied for a personal loan with Tesco which was approved in principle. However, when I sent my bank statement to them they declined on the basis that I had taken out a small payday loan. Do all personal loan lenders refuse if a payday loan is…
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unsecured changed to secured question
hi everyone i have a nram account at the moment and it was split into 2 parts secured and unsecured but back in 2009 they went to court and got the unsecured part secured . my problem is that i have got behind with payments and due for repo of my house . i know this might be clutching at straws here but they have told the…
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Loan application of £25k query
Hi, We are getting an extension put on the house and need to borrow £25k. Finance wise, we are mortgage free and have roughly only £300 per month coming out of my account for TV, Rates etc. I've never had any adverse credit etc and my credit score when I checked with Experian a while back was good. Basically, I see a…
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Sainsbury's Loan
OK - So I have very recently bought my first house (Nov 12). I have ensured that I am now on the electoral roll (rolling register) on both my Equifax & Experian Credit File at my new address. My question is with an Experian score of 943 what are my chances of getting a Sainsbury's loan of £25,000? I was approved for a…
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Do student loans/grants affect tax credits?
My partner receives child and working tax credits, I am due to start uni in September and wondering if any of the loans/grants will affect what tax credits we get?
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MSE News: Payday loan firms told to play fair or be banned by OFT
"Fifty leading payday lenders have got twelve weeks to change their practices or risk losing their licences..." Read the full story: Payday loan firms told to play fair or be banned by OFT 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…
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Interesting.....
........PayDay lenders to face tougher legislation
