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Overpay mortgage or personal loan?
Hi guys This is my first post so please be nice! I am in a position where I can start making overpayments towards my debt. The biggest and the one with the highest interest rate is my mortgage. I also have a personal loan but the interest rate is about 0.5% lower. Usually it would be a no brainer and I'd pay off chunks of…
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Scammers alert: loans
I had applied for a loan from low rate loans for a sum of £700, they then called from India and said I would need to pay £87 which is 1 month upfront as my credit score is bad and they want to know that I can afford to pay it so I did. Then another person called saying he was the manager and asked me to pay another £149…
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nance
we were stupid to sign as guarantor for son we have had to pay for two years as he left his family we pay nearly £ 500 a month we have no other debt and mortgage free but husband has to carryon working can we change to free credit card
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Need to tell Bank about mental health problems and am v scared (loan-related)
Hi, OK. I'm thanking my lucky stars that this forum is anonymous. Basically, when I moved from my last town to this one, I was getting so many phone calls from the bank that I just could not handle speaking to them and hearing their questions about when I would be able to get my business loan payments up to date. I had no…
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Loan to pay off Debt
My husband and I have taken on a a large amount of debt due to home improvements / renovation project that we are currently drowning in and really need some help on the best way we can pay this off. We have 5 credit cards all currently maxed which comes to approx £15k. I have been moving them around on 0% balance transfer…
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Failure to repay lender under agreed terms
Hi, A couple of months ago, I borrowed £1400 from a lender in the USA through the Reddit borrow sub (reddit.com/r/borrow), with the agreement of paying back £1680 in two instalments. I was hit by unforeseen financial difficulties after moving into my new house, shortly before my first agreed instalment date, and therefore…
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Car Loan
Hi guys, This is my first post here and would really appreciate some guidance. I am purchasing my car at the end of the PCP agreement that i have had for 2 years, but i currently do not have the cash to pay the 'Balloon Payment'. Therefore i have kindly borrowed money from a relative to cover the cost of this. Now, i have…
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Moneybarn car loan
Hi, In march 2016 i borrowed £9500 from moneybarn for a 2008 MERCEDES CLS. I paid £320 a month until december 2016 when i lost my job unexpectadly. I had paid £2880 in total I told moneybarn what had happened and that i would hopefully be back working soon as i am a highly skilled engineer. Moneybarn werent really…
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loan successful
" I'm pleased to tell you that your application for £8000 at 15.9% APR has been successful." But my application was for a loan at 3.1%. lol they lie, and just mess up your credit file with pointless searches. something needs to be done about the loan industry, and this is one of the better company's. :(
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Student Loans 1995-1999
Hello I know this topic has been extensively discussed before and also elsewhere on line but I can't find any information relevant to my specific problem here! I have 4 students loans taken out when I was at university from 1995 to 1999. The loans were originally with the Student Loan Company but were transferred to a…
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loan to pay off credit cards HELP
i have approx £20k of credit card debts. minimum payments are £665 per months and i know going to take forever to pay them off :-( most are apr off abput 21%-23% i have been offered a personal loan in principal of £20k apr is 14.6% and monthly payments will £382 over 7 years . I really cannot see me every paying the cards…
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Best way of buying a car?
This isn't going to be happening until next year but I'd like to start planning. We currently have a lease car that goes back to the lease company in April. We don't want another lease car so would like to purchase one. Looking at getting something about 3 years old and keeping it as long as possible. Budget is around £150…
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Lost loan on credit record
Hello, Abstract: I took out a loan in 2004 with Alliance and Leicester. They bacame part of Santander and when I called Santander to clear the balance after some issues paying in 2009 they had no record of my loan. Never heard a peep from them. Isn't on my experian credit report but is on my noodle credit report. Should I…
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Mis Sold Gap Insurance
I am in the process of buying a second hand car. Due to my job, Private Hire Driver (Taxi), I have been told by the dealer that I cannot have Gap Insurance. Although 6 Years ago (60 plate MPV) I bought a brand new vehicle from a Taxi/Private Hire Vehicle Supplier, and was told I required Gap Insurance. Has the rules…
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Who says age don't affect a loan
I'm thinking of getting a new car. A month I used the Eligibility Calculator on this site and found the my bank was one of the ones I was likely to get a loan from. I then decided to put it off till after a pre planned holiday. Today after the holiday I checked the calculator again. My bank was now down around 10th or…
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I own my property outright but want to get a loan against it
Helllo all, Not sure if this is in the right place but if it's not can someone move it to the right place thank you. So my question is this I own my home outright mortgage has been paid off in full I want to get a secured loan of around £20,000 my property is valued at £100,000 I'm retired but getting more than enough…
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Final Flight Training loan - First Timer
Hello everyone, This is my first post here and I've just come here for a bit of advice. I've recently finished all of my commercial flight training for my commercial pilots licence. I now work for an airline, and am on a programme that eventually leads to a flying position where I don't have to pay a penny. However, they…
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Bridging loan?
This is my first post on here. Let me preface it by saying that yes, I am a fool. However, I hope this thread may still lead to me finding the useful advice I dont deserve. I am in the fortunate position of owning my flat outright. Zero mortgage. Its valued at approx £80,000. I owe £8,000 in overdraft and credit card debt…
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Argos Card Interest question
I was wondering if someone could advise me about the interest I'm being charged on my Argos card account? I didn't pay a few things on time so they went onto normal credit, my first question is, when this happens does the interest get put on the amount owed straight away? I thought it did..... If yes, does anyone know why…
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118 118 loan
Hi there, I took out a loan in May 2017 with 118 money for £4,153 (31%APR) This was a two year loan, however I am able to pay it off now. I have made two payments of £232. On calling 118 yesterday I was told the Early Settlement figure would be 4000.66 ??? I am confused that I have paid £464 and yet only paid 153 in two…
