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Forced to sell home- How to pay for repairs on no income before sale
Hi all Looking for advice on some sort of loan, not entirely sure if this is the right forum area. The meat of the issue is this: I have been unemployed since Oct 22, through both physical and mental health issues, that are not relevant to this, except to say that my credit rating is a graveyard of missed payments and some…
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Advice on PCP for car
Hi all, I unfortunately got a CCJ by default. I've appealed to the court using the N244 mechanism and the court granted a stay of the judgment and set a hearing for November this year. The other side were told that I was submitting the N244 and so it was submitted with notice. However, they still proceeded to take the car.…
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Advice on car loan
Hello, I have a car in mind in which I will need to borrow £15,000 with the rest of the money coming from my deposit - £12,000. The car is a September 2023 plate with Manufacture Warranty until September 2026 and has 6,400 miles on it. This is from an Approved Dealership and the car has a reputation of good reliability. I…
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Best way to manage credit cards - consolidate or split?
I have about £9k debt across 3 x credit cards and the 0% APR is expiring. I have 3 other cards with zero balance which I can transfer onto @ 0% for 12 months. Is it better to split the £9k across the 3 cards to keep % rate of usage low or to put all onto 1 card to make 1 payment a month? Trying to build my credit score…
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Pay off car loan with savings vs Saving into Cash ISA
Essentially, I have £6200 outstanding in finance on a 2017 Peugeot 308 GT Line (the car was purchased in June 2023, at £7.5k. I had a quite lovely 2018 Jaguar XE beforehand that essentially spontaneously combusted and had numerous issues so I threw the head up with it and traded it in with outstanding finance hence the…
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Morse Club refund
Does anyone know if we are still getting a payment later on this year? I have tried looking on line but nothing comes up. The portal and website no longer work
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Mars Capital Secured Loan
Ill try shorten this as its a long story secured loan taken out 17 years ago for £35,000 with Advantage , sold to paragon then Mars capital. at one point has had a suspended possession order , when this was granted Paragon sold it to Mars capital..the judge did scold paragon for letting such big arrears add up. My arrears…
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Loan Payment DD Date Change
My cousin has a personal loan he is repaying over a period of 4 years. He has just finished paying the first year and has noticed overdraft charges on his bank account - this has occurred because the bank has changed the date of the DD payment from 15th of the month to 1st of the month! He chose 15th as that is when he has…
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Secured loan
Hi all, Me and my partner are in crushing debt. She has a house as an asset with 50% of the title to the deeds and her nana being the other 50%. we would like to get a secured loan to the 50% of the asset she owns but in order to do so we need her nana to also sign any paperwork to give us her permission. her nana is in a…
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Help son lost job and has 8k debt
Really need some advice on personal loan 4k, credit card 3k, overdraft 1k would he best to go bankrupt or is there any other options recently split with partner mortgage in her name, he is currently staying with me and know will be for sometime sorry I don’t really know what the best solution is. Obviously will go too the…
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Natwest loan low rate for existing customer but wanting to now change bank
Hi, I'll start with an apology that the loan was so long ago, we now can't find the T&Cs but when taken out, it was a loan from natwest for existing customers offered at a "special rate" for my partner. We now want to move bank (to create a joint account now we're buying a house together) and wondered if anyone knew would…
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17 year old debt stopping house selling
My parents are selling their property. My tutor who owned property at the time, is claiming rent arrears from 17 years ago. She instructed the courts at the time, my parents received no information on court proceedings and the case went against their property. It is now blocking the sale of the house. Can a ccj be still…
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Buying a new car - pay in full from savings or 50% loan?
My wife and I are considering buying a car for £8000. We have £18,000 in savings and we generally save £500 per month. My view is pay in full from savings since it's less than 50% of our total savings and we'll save the money back in 16 months. My wife, however, thinks it's a better idea to take a £4000 loan out to keep…
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Zopa loans concerns
Good afternoon. I took out a 15% loan with Zopa and on approval they added 25% to my loan amount and after first payment of approx £350 the loan has gone up by £600. I'm extremely worried about this and now out of hours to contact them. Does anyone have any experience with Zopa loans please? Thank you
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Borrowing for Home Improvements
Hi, Not sure if this should be in loans or mortgages as it's a bit of both. Looking to borrow to complete some home improvements. Some of which will improve the energy efficiency of my house (about £7k). Looking to borrow up to £15k total, but what is the best way to do this? I've had my mortgage with Nationwide for a…
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Self-employed and cannot get car loan. How can I finance a new car?
I'm self-employed and make a fair income £26k/year. My car is falling to bits and I've long passed the point where a replacement car would be cheaper to maintain. I'm not looking to spend much – no more than £4k. I found the perfect car for £3.5k. New clutch, belt, recently serviced, perfect history. The problem is, I…
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loan
Have a loan AA for
5000 pounds plus interest of 486.04 total 5486.04 still owe 2895.41 Asked for settlement figure 2780.35 so rebate of 115.06 interest
dose not seam a lot they said there was a delay of 58 days interest I can also make a payment to reduce the team time, but does
not say if they is the 58 days delay should…
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Length of loan if paying off quickly ?
Hi all, Barclays have been regularly emailing me, advising how much i could borrow - at a decent rate ( 6.1 % ) Have had a current account and mortgage with them long term. I am considering applying, as a short term loan would be useful at this time. Does it make any difference to potential settlement figure ( would pay…
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Car finance - can someone help me work these values out?
Hi - My brother recently bought a new car. I asked him what his deal looks like so I can use it as a benchmark for myself when looking at car finance. I didn't get as far as looking for myself, as I couldn't work out how much he was actually paying. I reckon there are some details missing in the below figures to work this…
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Settlement Figure
Hi I wonder if anyone can help with this settlement figure...we think it is wrong but Volvo keep saying it is correct. Other dealerships we have spoken think it's wrong too! We bought a Volvo on finance for £38,995. We put a £7000 deposit down so the amount of credit was £31,995. Interest was £12,604.58 Total balance…
