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What if anything is available?
I need to borrow £85,000 £45,000 to consolidate debt and £40,000 to do some work on my house. I own my house out right. I started a business with my partner a year ago and it has made around £18,000 gross in its first year. At the moment we are having to find £1,500 a month to service our debts which we have just about…
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Provident loan troubles
hi, before anyone flames me, yes i know Provident are major rip off merchants, i had no where else to borrow money from at the time and needed to borrow it , im technically classed as disabled and am on ESA in the support group. Basically the original provident collector stopped coming round, a gentleman turned up on my…
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Mortgage immediately followed by personal loan - possible?
Hi, I'm new to the forum and need some advice so hopefully you can help :) I'm looking to put an offer on a property that is a complete fixer-upper. I'll be a mortgage buyer. I'm looking to find out how likely am I to be approved for a personal load for home improvement if I will have just taken out a mortgage? Is there…
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Quick Car Hire Purchase Question
When buying a car with HP finance, do you put yourself as owner of the car when applying for car insurance? Do you own it or do the HP company?
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Refund on default loan
I have received a letter with a cheque from Sainsbury bank. It said In 2007 we applied a fee which we should not have done. We have contacted Capquest who have informed us of the status of the account. The account is still active we have asked Capquest to credit your account with the refund. They go on to say how sorry…
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Advice re Hire Purchase of a Car
My 25 year old daughter, who still lives with me and hubby, is celebrating getting her new job with more hours and passing the probation period by buying herself her first car. On Saturday we found the perfect car for her at a good price from a dealership. My hubby went with her and she left a £250 deposit and applied for…
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HSBC Personal Loan - Moving Current Account
Hi All, Not sure whether this is best suited in the Loans or Current Accounts section, so apologies if this is in the wrong board. I've currently got a current account with HSBC but no savings accounts. Since I'm at the point now where I'm saving a significant amount of money every month it makes sense to switch to a…
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1998-2011 student loan terms
Fully aware of the current terms (9% over £17335 and 1.5% interest) but I am very worried about the future of it given the new government. I believe it is also written off at 65, but I assume this will change. Am I correct in thinking that it's currently killed off at 65? With the current terms I'm happy paying the minimum…
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Student loan repayments if working part time
Hi apologies if this thread should belong elsewhere but just wanted to clarify something. I've had 2 part time jobs at the same time but neither employer have taken student loan repayments (but I am pretty certain I declared that they needed taking)-is this right, and if so would the reason be because neither wage would…
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Repaying loan From $ to £
I loaned my brother some money last week to help him out He now wants to repay that money to me He lives in the US We are both unsure of the best way to do this He would not use online banking If he sends me a cheque what charges would apply Any advice would be appreciated Also I sent him a cheque back in January I had…
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The same amount over whole term?
Sorry im all new to this bank loan stuff ect but iv just filed in some details on money supermarket to see if i can get a loan at a cheaper rate than finance from a car main dealer.te dealer would be £213.00 a month and iv just copied what it stated on money supermarket cheapest loan quote: Representative example: If you…
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Car Finance -
Hi yet again asking for a friend! He is due to collect a new car on Monday , last week he paid £1000 deposit, and arranged the finance through Audi . The dealer has just called to say the car won't be available on Monday as they've just sold it? Where does he stand? Many thanks as always
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Student Loans Company Income Contingent Loan advice
Hello, I took out a loan with the Student Loans Company when I started University back in 2001. Since graduating in 2004 I have been in continuous employment but have never met the threshold to make any repayments. In May this year my circumstances changed and I left employment to look after my two year old daughter.…
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'Provident' not accepting settlement
Hi, Hope someone can help :( 3 years ago I opened a Provident loan of over £3000, I paid extra on the loan for a few months, but after running into financial debt and being on and off employed, it became difficult to keep up with all my debt. I have been in touch with Provident and the rest of my creditors to keep them up…
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Guarantor Loans
Just read this on the BBC news site http://www.bbc.co.uk/news/business-33555764 Apparently most guarantors don't realise they will be liable if the person taking out the loan fails to pay. What do they think being a guarantor means then? That they are guaranteeing the applicant is a lovely person? God I despair.
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car finance problem
Hi I was hoping someone could help me I purchased my car just over a year ago and ive had nothing but problems with it. Its all been fixed under warranty all well and good but I have lost all faith in it as I feel I cant trust it because there seems to be new faults every month. Ive complained to finance company twice had…
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Personal Finance Agreements
Hi Guys, Last year in June I ordered a fitted bedroom from Hammonds. They turned up and started fitting it and straight away I wasn't happy with it at all. However they assured me it would be lot different when fitted (I couldn't see me changing my mind) Anyhow the last day of fitting I raised my concerns that the build,…
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Cahoot Flexi Loan Repayment
I've finally got to the point where i have rang and settled my flexi loan! I've paid pittance off since the interest rate was hiked to 20%. My query comes when i've settled it, there were interest charges of about £200 added to my capital loan amount. I just don't get how they can work this out, based on the fact that the…
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secured loan
10 years ago I took out a £3000 loan secured on my house. I now owe £12000. after a stuttered due to husbands unemployment I have been paying back at £50 per week. Is there anything I can do I realise this was stupid of me to take out a loan from a newspaper i feel almost suisidal when I think about it. The morgage company…
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Confused!
Apologies if this something that's been raised previously - I'm a newbie. I recently applied for a personal loan (for a car) with M&S but got an email back yesterday to say the application had been unsuccessful. As I wasn't aware of any previous credit issues and I was showing 80% likelihood of acceptance on MSE I decided…
