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Car loan after moving house with mortgage
Hi All - just looking for opinions as I am reading conflicting things on the internet. We are completing on our first house next week (after 9 months of waiting for it to be built) :j:j:j and we need to buy a car. We have been holding off for over a year due to applying for the mortgage etc but now my boyfriend needs a car…
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Comparing Car Prices
I'd seen a link to a website that lets you compare car prices across dealerships, I've searched but can't seem to find it, anyone know what it is?
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Credit Union Loan for Consolidation
I have just applied for a 15k loan to consolidate my existing loan, credit cards and overdraft. The interest rate isn't the best at 14.9% but most banks have declined my application. I haven't missed payments since I was a teenager, which was a long time ago! Think it's due to the number of different lenders I have at the…
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£25k credit card debts
Hi I hope someone can help me here, I have amassed £25k of credit card debts and am in trouble. I am a forex trader, so not technically employed or self employed. I want to try and avoid going down the IVA or Bankruptsy route but know i may have to go there. Is there a bank that is likely to give me a loan to cover my…
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Anyone who has applied for loans?
Do you know any lenders, apart from Tesco Bank, who don't ask for wage slips when you apply?
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cancelling loan in cooling off period
Does your credit rating get affected if you cancel an approved personal loan in the 14 day cooling off period? I got approved for and agreed to a personal loan from my bank but I now feel it was the wrong decision. I know I can cancel it, but I will need to apply for a new credit card to transfer balance in the next two…
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RMS Receivables - car loan
Hi, I voluntary terminated my finance agreement with Peugeot a few months ago. A man from G3 RMS receivables came to collect my car and did an inspection, identifying 2 small dents on the car that he said were 'fair wear and tear'. He also ticked that it was wet weather so full inspection was not possible - the ground was…
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NRAM who do I talk to possible overpayment
Hi, I have had a loan for many years with Northan Rock now NRAM. I have had payments going out of my account each month yet when I checked my credit report it said the loan had ended last year. I tried to contact NRAM who put me onto Virgin Money who said they dont have any of there unsecured loans I went back to NRAM and…
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Car finance: where, who is right for me?
Hello, I have poor credit and I desperately need a car. I have approached the companies that lend to people like me: Zuto and All cars All credit. I know about their high APR, etc. But they have minimum amounts that they lend £3000 to £4000 and the monthly payments will be high for me: £150-£250. For that money, you can…
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Section 75/loans/mobile contacts
I know section 75 applies to consumer credit but is this the case with mobile phone 0% interest loans? Here's the back story: my wife bought an iPhone from O2. They split the bill into 2 direct debits, one for the contract and one for the iPhone (@ 0%). The phone has been returnred multiple times to Apple who have replaced…
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unsecured loan soon after mortgage
Hi, I have posted on here a few times and had some really great advice so im hoping you can help me again :) I have recently completed on a new house. I have been so careful with money and gently managing my outgoings and credit rating for years in order to prepare for this and we moved in and love it. Finally having my…
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Car Finance - Black Horse - Can I sell - Are there any options?
Hi everyone, Fairly new to this site, but if possible - I am seeking some advice?! Last year (May 2014), we bought a BMW X5, we have Black Horse finance (over 5 years) and I was wondering where we stand with this. Am I able to sell the car and then pay the finance off? There is still a large amount outstanding - personal…
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legit loan?
Hi i had a phone call last week offering me a loan of 5k which i have been looking for. They give me there details and company name needquid and there website needquid.co.uk. anyways they asked for my direct debit details for my repayment then told me i either have to get a guarnator or pay a guarnator fee of 140 which i…
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Early Repayment Charge RBS
Hi, I have read a few threads on here and am still confused about the early repayment charge (58 days interest) on unsecured personal loans. I am looking to borrow £10,000 over 5 years at 7.9%. However, I will be coming into some money within the next 3 months which will enable me to pay the loan off in full. Now I am sure…
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Grandparent loan
Hello Considering borrowing from a grandparent to enable me to buy out my partners parents from a mortgage over a property. Need to find c.10k. Am I right in thinking that if the grandparents assets including the loan exceed the inheritance tax limit, this will be subject to a 40% tax should they pass away? If the above is…
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How to get loan in one day
How can any one get loan in one day in usa???i wanna where and how any one can get loan with proper way??
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Disability Benefit Loan
I'm on long term disability benefit. However I get a regular income from my OH. Would I qualify for a loan from a major bank? Thanks
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Debtor Threatening Bankruptcy If I Don't Accept Figure
I took a debtor to court for a £40,000 debt and I won. I have also registered a charge on a mortgage free property he owns worth around £150,000. His solicitor has contacted me and offered £6,000. He says if I don't accept, then the debtor will declare himself bankrupt. If he did go bankrupt, would the property be sold,…
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Do I have prove use of loan?
If I apply for a loan and state that it for a car would I need to prove that I'd purchased a car with the money? Thanks
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Career development loan
Has anybody ever taken out a career development loan? I'm starting my postgraduate study and wondered if this is going to be a viable option. The only attractive feature is that they delay repayment until the course ends Your thoughts? Many thanks
