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Offsetting small loan against savings to get cheap rate.
Hi all. Here is my situation. I am 23, graduated a year and a half ago and am saving for a mortgage. I want to buy a new car but refuse to dip into my savings to buy one. So I am looking to take a loan out of around 3 -4k and want to get the cheapest rate possible. I wouldnt have a problem borrowing as I have a good credit…
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Do I borrow or use savings?
Hi not sure if this thread is in the right place moderators please move if need be thanks !. I need a bit of advice. I've been offered a really good deal, husband is a car sales and has taken a part x. Value 16k, can buy for 11k. My car value 6k so need 5k to make up. I have the savings, (have 20k saved) I also have 20k…
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Cash Genie obtaining your Visa card details
Does anyone know if this is true? My partner took out a loan with Cash genie a year ago whilst with Natwest. Since then he ended up in financial difficulty and is now with Barclays bank. He is attempting to set up a payment plan with cash genie but somehow Cash Genie have got hold of his debit card details for Barclays and…
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When Christmas is Over ... Think Ahead
I submitted the post below a couple of years back. I think it's still valid. Merry Christmas! Right, you've eaten the turkey. Well, other than the two thirds that's left in the fridge. You've opened the presents. You're wearing the dodgy sweater your Gran bought you. You might even be off to a local sporting event or the…
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Loan in Maiden or Married Name
Hi All and Merry Crimbo, Hubbie and I are looking to do some home improvements in the new year and need to take out a loan to cover it. We got married in November so I'm in the process of changing all my accounts to my new name. Would it be better to apply for the loan using my maiden name or married name? We're planning…
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co-signed loans
Hi, I wonder if anyone can offer any suggestions. I'm posting on behalf of my Mother-in-law who was widowed about 4 years ago. Her husband took out a couple of loans, for an unknown reason (my wife has suspicions regarding some vices, but that's speculation), and asked her to co-sign them but without giving her the…
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Cash locator !!!!
Hi everyone i like numerous of us was searching for a loan i searched so many and i didnt get any !! however the next day or 2 i saw £67.74 leave my account and the name was cash locator im not having any joy finding a number or e mail or website for this company when i do find a potential link it just says cannot display.…
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Guarantor - Help
First of all, sorry if this is in the wrong place - not 100% sure where it should go. I, stupidly, agreed to be a guarantor on my now ex boyfriends loan a few years ago, with interest rates through the roof - I know I know, I shouldn't have done it but we had been together 5 years at the time and it was only supposed to be…
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car loan or use own savings?
about to change my car.....apparently only one lender will agree to a loan. They will lend me £2,600 over 3 years at £92 pm. this is not the full amount I need but others have said no even though my financial circs are better now than they've ever been and I've not owed a thing for over a year but anyway that's what the…
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Graduate Loan to consolidate debt
Hi I am a recent graduate and started full time work 2.5 months ago. I haven't had any financial products from my bank but when I updated my details they offered me £1,500 in interest free overdraft and £1,500 credit card (which has to be paid in full each month). During my studies (all the way through masters) I have…
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Loan taken out - advice needed
Hi, A couple of months of ago - i really needed some money to clear debt, so i took out a loan of 7000, and need to repay 7230 in 16 months. this is taken monthly of around 450 a month, my salary per month is around 1200; Currently in my bank i have around 4500, should i save up to pay off this loan as a one off or shall i…
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Early settlement question
Hi I would be most grateful for some advice on how early settlement is calculated for personal loans - I took out a £10k loan from M@S last year at 5.5% and have made 12 payments of £231.95. The total loan was £11133.60 with a current balance of £8350.20. My loan documentation is in storage and I accept that I will need to…
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Trouble with payday loans. Please advise.
Hi all. Abit of a funny one but here goes. Been living in a rented house with my GF for about 8 months. Found out a couple of days ago she couldn't afford it when we first moved in and had to get a payday loan when we moved for around £200. But with the cost of living and the interest on the first loan she now has 4 payday…
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Wonga / Moorcroft ... problems
Over summer i (pretty much) had to take out a couple of loans from wonga, as the companies i worked for had cash problems and we wasnt being paid on time. This led to not being paid at all so it all got a bit out of control, with work stress on top of no money stress Fast forward to the last month, Wonga weren't great…
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loan - can you get pre approved
I am looking to buy a new car and will need to take a loan out. is there a way of finding out that I will get accepted for a bank loan without actually having the loan until I find a car? I don't have the best of credit rating but wouldn't want to look for a car if I wont get the loan but also don't want to take a loan out…
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Sainsburys loan nectar card
I am looking at applying for a Sainsburys loan. Thing is I dont have a nectar card, can I just use my parents one?
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advice on payday loans
another plonker, but ive got a way out so i'm looking for the best advice. i owe payday express £748 and wonga £1200 as of today as ive just taken out the loans to survive, usual spiral im intending on not paying them as i cant by the time they are due mid month. ive got a santander current account i dont really use so im…
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Tesco Home Improvement Loan
After reading many thread regarding the Tesco loan on this forum, I am now confused about the document Tesco requested. My Tesco loan online application for 6k has been accepted in principle and today I received documents which i need to return tomorrow. They only asked me for my proof of residency which I can proof by…
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Can a debt agency buy an HP debt and convert to a loan then chase you for it.
Thanks for the input everyone. I now have a clear idea of the course of action to take. Merry Xmas.
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Car Craft - Car Loan
Hi, I bought a car with carcraft and was given two finance agreements One covered nearly all of the cars purchase price, and on a HPI check it shows up as finance outstanding with them. Company B lent me a massive £500 towards the car. That was then boosted to £3,000 when I signed up for some 5 year warranty thing. My…
