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Employer Loan / CC Query
Hey guys, So I've got a 0% employer travel loan for £2988 being added to my August wage which I'll be paying off in equal parts over 10 months from September. I've also got a credit card with a £0 balance and £5500 available credit, with 0% purchases for 27 months.... Is it breaching any conditions anywhere to pay the…
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loan payments
hi. I've a loan that ran alongside my mortgage. since selling my home I now still have the mortgage BUT the payments are not going out of my account but are still being made. have contacted both sides and BM solutions say payments are being made and santander doesn't have the Direct Debit set up. what do I do. it's been 2…
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Need a loan, can't get a loan
I am a single, 27 and have a salary of just below 30k and rent a property. I should have a good credit rating from always paying bills on time and paying more than than the minimum for my credit card. During university I unfortunately had to rely on a credit card and now I wan't to pay that, with my student over draft, off…
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Help v12 finance
I really need some advice please. So here goes..., I purchased a bike from Evans using v12 finance 10 days ago. Went through the finance spica took etc and chose three years at £57 a month with a £199.90 deposit. All went through and got an email after being referred asking me to electronically sign the agreement which was…
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Car Finance - There must be a better way?!
So, here's my situation... I drive a lot for my job so I get given an 'allowance' by work which is basically a bit of extra money on top of my wages each month. In a previous job I had a company car until I moved jobs and had to buy my own - with nothing to part ex and no deposit. That car went into negative equity quite…
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Not Sure Where To Post. 18 And Looking at Peugeot Just Add Fuel. Will I Get Accepted?
Hello, I'm a newbie here and really wanted to get some advice. I'm looking at the new 1.0 108 as my first car. It's around £255 a month on the Just Add Fuel offer with a £500 deposit. I can definitely do this and I'm rearing to go. I haven't taken my test yet and therefore cannot go to the dealer and check this out just…
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Help needed - loan settlement query
Hi I'm after some advice. I have a loan with Idem (was picture) which I took out July 2006. It was for £21500 and over 13 years. I received my annual statement which showed I have 3 years remaining and an outstanding balance of £9153.35 with the APR of 9.592% As this loan is secured on my home I really want to get this…
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loans after retirement
Hi guys a bit of advice please, we have just recently retired, after selling our business, after paying off our two mortgages, and other commitments we have some cash left, but her in doors fancy's a kitchen, so I need to borrow about 6-£7,000 my Experian score is 895 , as I said both retired now my wife is 66,i am 67,our…
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Loan Settlement confusion
Hi I'm after some advice. I have a loan with Idem (was picture) which I took out July 2006. It was for £21500 and over 13 years. I received my annual statement which showed I have 3 years remaining and an outstanding balance of £9153.35 with the APR of 9.592% As this loan is secured on my home I really want to get this…
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Norton Finance
Why would they be such enthusiastic lenders according to their website?
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Help Finance referred
I have just applied for finance and got referred in the decision at the end. I know I have a poor credit score as I have checked on this website in the MSE credit score checker. However I do plan to pay off another finance I have with them. Should I ring them would this matter? As if it will still be declined I will use…
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Loans with bad credit history
Can anyone recommend where I can get a loan from with my bad credit history please? thanks
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How to shop around for loans?
Hello, new board! Not ventured in here before - the hubby and I need (want!) our first personal loan. Unless any lenders offer joint name loans, we'll do it in hubby's name as he earns more than me. Looking to borrow ~£20k over five years. Been quoted 3.3% by HSBC on their Premier Personal Loans. We've got good salaries…
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Two car finance deals, seems like a rip off!
Hi all My parents (OAP's) are looking for a new car. The are not sure about doing PCP or HP, they know how the deals work, so went to two different garages to look at two separate cars. The are trading in a car worth around £5000. I would appreciate if some folks can look over these figures and confirm both are a rip off.…
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Unhappy with loan early repayment figure
Hello everyone. I have a query regarding an early repayment figure provided to me by Tesco Bank. Loan amount £11000 repaid over 60 months with a 3 month payment holiday at the beginning. 4% apr Opening balance of £12243.60 including interest. Early repayment fee of £47.76 (2 months interest) First repayment made of £243.60…
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NatWest Loan Issue Doesn't Make Sense to Me
Hello all I took out a loan for debt consolidation for £10,000. A couple of months later I called NatWest and asked to increase my borrowing to settle remaining debts. I was told I could not increase the existing loan to £15,000 but they offered a second loan. This second loan having a higher rate of interest. I thought…
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Argos card
Anyone know if Argos still can charge a fee for paying off a fixed term interest free offer early? e.g paying off a balance after 9 months instead of 12, on a 12 months interest free item. I had read in the terms and conditions that they 'might' charge a fee if you settle the balance on an item before the interest free…
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Unusual situation : is it possible to have a loan while on a dmp?
Hello I'm trying to sell my flat, which is presently on the market . I have a dmp, with Payplan . In 2018, the six year period ends. I won't give an s o a , simply because once my home is sold, the equity will clear my debts and I will be debt free for once. The problem I have ( apart from being very skint) , is that I…
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Loan Calculator - Lloyds
Hi I'm after some guidance. I have a loan with £9000 remaining at 9.7%. Five years left. We desperately need some home improvements and am looking to top up my loan to £19000. Seeing the bank on Monday. Naturally I have been doing my homework: I've got all our credit reports (this is a joint application) and we both have…
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Student loan - topping up fees
We are having to fund a shortfall in our daughter's college fees over the next three years. She is changing courses and going to a private institution, who insist she starts from year one again. For this reason she is getting very little help with regards to course fees etc. With this in mind we have found an online offer…
