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Shining Loans.com - HELP
Good morning, I really could do with some advice regarding Shining Loans.com. I currently have a loan with this company and my scheduled payment was due to leave my account today. The payment wasn't taken and there are more than enough funds in my account to cover the payment. I've tried contacting ShiningLoans.com both by…
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New Job - Company Car Dilemma
Hi all I'm new to the forum although a long time reader and would greatly appreciate some help with an awkward situation I currently find myself. I've just been offered a new job which is a definite improvement on my current role and a great opportunity. The offered package is roughly the same salary I'm earning now but…
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How to Assess Work CYOD Scheme
My workplace is about to introduce a Choose Your Own Device (CYOD) scheme. I've highlighted hwat I think are the most revant aspects:You can choose from a list of over 100 items such as Tablets, Macs, Desktops/Laptops/Notebooks, Smartphones, Televisions, Game consoles, Cameras, etc. This is a scheme that allows you to pay…
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places for people
hi there could i ask if any body knows about,, places for people.co.uk ,,they say we have personal loan for people on benefit or bad credit,they say we check the loan application personally and decide not the computers, I'm on benefits now,my wife is caring for me and looking after me, we need a small loan,we don't know…
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Secured loan early repayment charges
Hi, I am about to take out a loan for home improvements for £23k. £155 (variable) over 240 months. The secured property will be a rental property after the work has been completed. I aim to repay this loan within three years. How much approximately will the early repayment charges be? I have been told two months interest,…
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Nissan finance
Sorry in advance if being a bit dim. Went to nissan yesterday, went through figures and was told car would be available in five weeks. Salesman was completing paperwork wit me thinking why is he doing all this when we haven't applied for finance yet. So asked when will finance be decided and he was like it was a done deal.…
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clearing debts and home improvements using property
I have recently inherited a property which myself and my partner are living in, the property is worth 180k-200k. We have debts of around 40k and would like to carry out home improvements of around 20k-30k this would bring the value of the property up to 240k-250k in line with the other properties in this area. We would…
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Cheapest 80k loan for home improvements
Nuggets of wisdom appreciated. I would like to carry out home renovations next year totalling 80k (top end budgeting)and wondered what the cheapest way to finance this would be. I would prefer an unsecured loan, ie I do not want to borrow against my house as there is no outstanding mortgage on it. I was thinking about a…
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Two Loan Enquiries
Hi All, I'd just like to get a quick opinion on something. For the first time in my life I am looking to get a personal loan and phoned up First Direct, gave them some details and then got a quote and rate which I was accepted for but didn't really like. This is conditional on me providing payslips etc. I haven't sent…
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Loan for Investing in other country at 8% fixed
Hi, Please move it to the appropriate section. I am international student with UK government funding. In my country the interest rate on fixed deposit in bank is 8% per year. So if I can get a loan here in 5% to 6%, then I can invest that in my country and get profit. But as I am a student(started my study in sep 2014) the…
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Buying a car - use savings or use overpayment on mortgage?
Looking for advice on whether to drawdown £10,000 from overpayment on my mortgage account or take it from savings? Mortgage is on variable rate (2.5%), whilst savings are attracting 6% (money is overseas, hence the good rate!)
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Unwanted Gym Membership
My Son who at the time was 18 joined a gym. No paperwork was presented or signed he has a email stating the gym membership is for a minimum 11 months, he is paying by direct debit but is currently unemployed and has no income at all, they tell him he cannot cancel without paying the remainder of the contract (which he…
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Joy of Joys
in August 2007 i took out a loan on a 7 year term. repayments were £260pm and i have managed to keep this from my other half for this whole time. the last payment is due next month and i cant wait. the elation i have been feeling for the last 6 months is wonderul knowing i have seen it out, not refinanced (as i have done…
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Loan secured against endowment policy
Is it possible to borrow £20k against a With-Profits Endowment Life Assurance policy due to mature mid-Sept 2015, which has current surrender value of £62.5k, and if so, where ?
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Mis-sold finance agreement but dealer sold company
I'll try to keep it brief. In May 2013, my wife purchased a brand new car last year on a 3 year PCP agreement. She was told (with a witness) that after 18 months she can hand the car back and change it for a bigger car if she wanted. In July 2014, my wife and her mum went to the dealer to see what options there are and the…
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personal loan or car finance?
I am looking to buy a new car in January (i am told i will get the best deal in January)for which i will need to borrow. Am i better with a personal loan or finance from the garage i buy from? I was originally thinking a personal loan so i could buy through private sale.
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What a pickle!
So im currently in Lanzarote and urgently needing to get back to the UK does anyone know of any high approval loan companies - Most payday loan company's dont seem to be interested in me (Im needing around £500) and my credit rating isnt good! Im urgently in need of this or soon to be homeless in a foreign country!
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Bank of Scotland loan (additional payments??)
I took a loan out, which I would like to make additional payments on, but to see whether or not it would be worthwhile making additional payments, I tested it with £10.00 first, as it stated that it would save me £22 on interest (see attached: http://i57.tinypic.com/23wuqz6.jpg) . I didn't know if that was interest on the…
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Loan needed - maternity leave???
Hi all, I am currently on mat leave and only bring in £600 per month, and my OH earns £388 per week, after tax and earns overtime of approx £150-200 per month. We're looking to lend £15000 or possibly more if we can, in order to consolidate £9500 worth of debt and the rest for home improvements (garage conversion and…
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Paying off Lloyds Loan early
Hi all, I did have a look through several threads of this nature already however they were from a few years ago so unsure if things have changed since then. I have a loan with a remaining balance of £2100, I pay £130pm. I've been offered the money from a family member to pay this and a credit card I have off. My early…
