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Hitachi loans
Been through the application process with Hitachi Personal loans, been approved and everything seems fine got the loan in want to clear my credit cards, repayments fine, but before I sign my credit agreement I did a google search for reviews, some give them some right stick, saying the APR at the start of the application…
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Lenders like Zopa
Can any loan applicants recommend any as friendly, quick deciding and efficient as Zopa?
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Personal loan following new mortgage
Hi there, We have recently purchased a house. The first mortgage payment is about to be taken out. The house needs a lot of improvement so we need to take a loan out over 5 years for about £10k to get all the work complete. My question is how long should we wait to apply for a loan due to the new mortgage and obviously our…
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short term loan...
Just wondering if anyone can offer some possible solutions.... My 79 yr old mum owns a flat, is mortgage free and has no other debt. She wants to buy a bungalow, but doesn't want to sell the flat first - feels it would be less stressful to move into the bungalow then sell the flat.. She has savings, but is approx £10,000…
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Loan to consolodate credit card debt
Hi all, I am after a little advice, I am contemplating refinancing a personal loan with my bank to pay off about £5k of credit card debt over a number of cards. I have been approved for the loan, however as a stipulation they want me to close the card accounts, I understand why they want me to do this however, that will…
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Self Employed Car Loan
I'm a self-employed musician. Good earnings, good credit score, no money problems etc I need a loan to buy a new car that I'll use for business and domestic puposes. Looking for £8500, repaid over 3 years. Sainsburys have just refused to lend because I'll be using the car for business purposes. Is this a problem I'm likely…
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Car Loan - reduce payments options
Hi There, I've currently go a car loan and I'm sure I can reduce my monthly payments by some jiggery pokery plus pay less interest. I'm thinking of transferring onto a 0% credit card or a money transfer card so that I can pay the same but pay it off sooner. Not 100% if this is a good way of doing this. Any hints, tips and…
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Secured Loan debt advise needed URGENTLY
I would appreciate any advise with regards to the following loan My ex husband and i took out a joint loan with Paragon on 18/10/2007 for £22500 over 300 months @ 11.7% APR , we later divorced and i have been making payments of £222.45 since then however i called paragon recently to find out how much i owed and have been…
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Loan Closure advice
I have a loan with the TSB that I have come into the funds to clear early. I am allowed to make additional payments and using the additional payment calculator if i made an additional payment of the balance it would pay the loan ie: Option A However the confusing part is that to close the loan I am told to use the closure…
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Getting a loan to clear debt
Hello, Myself and my partner bought a property in June 2014. We are still feeling the effect of raising the deposit. We are both 1500 into our overdraft and I also have a 1500 credit card bill. We are both getting our wages every month and then spending them and unable to save anything due to our reasonable wages. I have…
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Loan settled, but lender have taken another repayment. Anyone had this before?
Hi I've recently come into some money so am using it to pay off debts. I had a loan with Sainsbury's Bank and paid off the settlement figure via bank transfer on 12th April. I logged into my internet banking this morning and Sainsbury's have taken my usual loan payment of £168 by DD. I called them and the operator…
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Advice
Hi, I need a loan of upto £3000 to put down as a deposit on a flat rental. I have bad credit history and was made bankrupt 10 year ago. I am full time employed with a good wage but cannot get credit from the bank for an overdraft etc. What is the best way of trying to get a small loan amount with minimum repayments so I…
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loan annual statements (edit. data protection breach?)
edited, posted in dfw
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Do I have any rights at all?
Hi everyone, I'm hoping for some advice on what I can do. I have tried asking on another site, but only received stock answers and could really do with someone who can think a little wider. Just to set the scene for why I am so desperate and worried: I am due to give birth any day now to my first child after 5…
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How best to borrow?
OH and I own a house with a mortgage. Due to OH's previous self employment, we got a better mortgage if I applied for the mortgage alone. He is not named on the mortgage, and the house is legally mine, not ours. OH is now employed, and I went part time. Our joint income is now a third higher than my full time salary alone.…
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refused extra borrowing on mortgage
We wanted to borrow £4k over the remaining term of our mortgage (4yr 6mnth) but were refused 'based on the facts you have given us today' Ok we are not loaded but we can definitely afford this small amount! We had the extra assessed on dhs income only (34k) we are 48 yrs old (is this a factor) our credit score should be…
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Loan from Dad...subject to 40% tax implications?
I'm buying a second property and my Dad is loaning a sum of money so I had a more attractive offer to present to the Vendor. As soon as Contracts are signed and completed I will remortgage and pay Dad back in full. This may take a couple of months. I won't be paying him interest and only my name will appear on the Title…
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Newbie, advice needed in regards to debt
Hi. I was looking for some advice in regards to debt I was left in. Its a long story but trying to cut it short.....My 7 year relationship ended in 2009. We had 2 kids and a house together and as I had the kids he left the house to live elsewhere. Things to start with were fairly amicable, and I said I would pay all the…
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Funding for flat block repairs
Hi I'm a director on the management committee for a group of 28 flats in 7 blocks. The flats date back to 1910 and the original roof has outlived its useful life and needs to be replaced. We've been quoted approx £200,000 to fully reslate the roof and we are now looking for funding. There is no enthusiasm amongst owners…
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pressured into finance?
hi everyone, Quick post. I got a mortgage on my house back in 2007. At the same time we decided to have new windows installed. Anglian home improvements sent a sales rep out and after about 4-5 hours of pressure selling I "agreed" to have to windows installed by them at a cost of just short of £7000. Now my problem is we…
