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2.6m % interest rate
No, it's not a spelling mistake, rather the heading of an article in my local paper today!! :eek: Thought it might be an interesting read for fellow MSErs Excerpt A LOAN with a staggering but perfectly legal interest rate of more than 2.6 million % APR was offered to a desperate York woman struggling to stay afloat, The…
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need loan-help
Hi Im polish. Ive been living in uk for over 3 years. Im with Lloyds TSB. I need arround 15k loan to buy my dream car and pay off c.card balance - around 4k.(i had a lovely time of spending it:) ) ive been registered on electoral roll over a month ago. I missed 1 very recently dd payment = mobile phone bill. ive been with…
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does it matter
are secured loans easier to get than unsecured loans? or does it matter
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Yes Loans
has anyone taken a loan out with them if so, did you pay the 49.50 fee and if so how long did it take to get the money. love to know whgat you think of them .
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please help
would like to know about second mortgages i got behind due to redundancy ge money took me to court to repossess my home they dident succeed but the judge told me too try claim back all the 40 pound administrations fees they had on pluss 88 pound debt councilling we never asked for which template letter do iuse thankyou
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Disputing loan charges
Sorry if this is posted before but can anyone tell me where I stand. Ive managed to run up £850 in late payment and for letters over a 3 year loan, theyre charged at £25 per time which is ridiculous. I'm self employed so often cashflow gets a bit misstimed and things end up late. Wasnt till I asked to work out the…
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Yes Car Credit & PPI
Hello Forum Guru's. A few years ago, in a desperate measure, I foolishly took out a Car Loan with 'YES' Car credit. (was less than six years ago) The money was loaned to me by Welcome Finance. Although I have lost the actual credit agreement, I am 'reasonably' sure I paid Insurance, which was way over the top. 'YES' car…
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Credit rating advice needed!!!
I checked my credit score about a month ago. It was good. Even though i was not on the electoral roll. I was still refused a credit card and loans. Yes i made a few applications and missed 2 payments for an overdraft. But now back on track. Just checked my rating again... it is the lowest of the low! Even though i am now…
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Short term loan options?
Hi there. I am wondering what the options are for a short term loan (over about 3 months). The situation is I have a lump sum due to me in approx March (maturing savings scheme) but may need to borrow about £3k in the meantime. The lump sum will definately be enough to clear this and more. One option I guess is a Credit…
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Has my loan been accepted?
I recently applied for a secured loan from my existing lender. They ran through a telephone check of amount etc, then sent me a credit agreement, legal charge and various other docs for completion. The accompanying letter told me that they had provisionally accepted my application. My wife and I completed the forms and…
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Can you reapply?
Hi all. Basically I was turned down for a loan of £2000 by my bank as they said there were 2 things that were coming up on my credit report. I looked in to this and found that one was for my current mobile phone bill, had paid the bill the day before but the detail just hadnt been updated. The other was for my previous…
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hp on car
Could anybody give me some advice, we have a car that we got on hp with blackhorse through carcraft 3years ago, we are having difficulty paying the agreed monthly amount, the car was 7000 but through hp rose to 16000, so we owe 4000 on it. What happens if we cannot pay any more payments, will they take the car back or can…
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No Insurance Cover...redundancy
Evening all, being made redundant, took out a loan back in march 2007 for a few thousand and am struggling to see how or where i can get the money to pay it on a monthly basis? i didnt take out the insurance cover and so am stuffed. can people advise me on where to go next... thanks in advance..
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Advice on where to get a loan please?
Hello - I would like to apply for a loan online (approx £3,000) and am wondering whether anyone can point me in the right direction. The problem is that I don't own my own house (I'm living with my partner but don't have my name on his rent book) - I earn approx £450 per month. Many thanks, kate
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Can the bank do this, and is a F+F an option?
My GF has a graduate loan from one of the main banks (the same one as her current account is with). She has no money in her current account, it's at it's overdraft limit (mainly due to charges), and no income. For the last couple of months her loan payment (standing order) has bounced due to lack of funds. The bank have…
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Volkswagon finance - can you pay extra lump sums??
hi does any one on here know if you can pay extra lump sums off volkswagon car finance during the course of the finance term so it finishes earlier or do they penalise for this (ie early repayment charges etc) i have ordered a new car which has not arrived yet, so have not got all the finance papers from the garage yet…
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How Unsecured are unsecured loans?
I ask this question because I have an unsecured loan and a few credit cards. These were mostly were used to finance a business startup. At the moment repayments aren't a problem but I did wonder what would happen if I was unable to pay these. Supposing this business failed, I have a full time job which means I can pay the…
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Electoral roll and credit agencies
Quick question... My girlfriend is from the states, lived here nearly 10 years and has recently gained British Citizenship. She has a credit card, never defaulted... but has been refused for loans. We think this is because she is not on the electoral roll. She has just sent off her form to be put on electoral roll. How…
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Help to get a loan please
Hi, I am looking for an unsecured loan of 6k. I have a rubbish credit history. Just wondered if anyone could recommend anywhere for me to go? Thanks in advance, Laura.:snow_laug
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can I get another loan
I currently have 2 loan payments running, one with Tesco for 12k and the other for 9k with Bank of Scotland (got this one for my sister) anyway, I now need a car loan of 10k don`t know how to go about this can anyone help me out.. Many thanks