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Loan Advice Required - Please Help!!!!!
Hi, I recently applied for 3 different types of credit one being a credit card with RBS which I successfully got with a credit limit of over £2k which is my first ever credit card. I also applied for a mortgage with my partner but due to his poor credit rating was refused. Additionally I applied for an unsecured loan of…
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Career development loan
Hiya I don't know if I'm in the right place here but I wondered if anyone could give me some advice. My other half applied for a career development loan which came through in 2004, this was to do a driving instructors course. He paid a deposit of around £800 as the loan only covered 80% of the course cost. He is now paying…
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Quick Question
Is a default the same as a CCJ?
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Egg Loans - 30 LETTERS AND COUNTING
I have made arrangements with a debt company to come to agreements with 3 creditors I owe money to, one of which is Egg Loans. To begin with they sent me an official default notice. In the space of a month they have sent me THIRTY more. What started off as a bit of a joke with 5 or 6 has now infuriated me to the point…
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1st Loan - Advice Please! :)
Hi, I'm an 18 year old musician and I'm thinking about getting a 10k loan to pay to get an album of my music recorded and promoted. I've never had a loan or credit card before, I don't have a credit history. Also as a musician my income is not entirely regular, obviously I only get paid when I can get the paid gigs, I've…
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finance charges/bank charges ?
Hi this is my first attempt at this so if this has been asked before I apologize. I took out a car loan about 4 yrs ago and it is @90% paid off, I recieved a letter yesterday saying that I am £263 in arrears with arrears charges of £952 I have heard a lot on the radio and seen on this website that a lot of people are…
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Lloyds offered me a loan!!
Already have a £4000 loan, started last august,(down to £3000, something)paying £102 a month, owe £3000 on their credit card, manager offered me, a new loan of £10,000, but at monthly repayments of abt £366!! I thought this was so high!! Is it?
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Uncle Buck APR 2339.30%!!!!!
I kid you not, this is advertised on ITV 4 every ad break last night. I first thought it was a joke. How can they get away with it. The ad is scandalous, 'get a loan til pay day so you can have the things you really need like clothes or a holiday'.What? Martin, if you have not already exposed them, please do. Check out the…
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borrow now or May 1st
I need to borrow £25000 to finance the difference between the house I'm selling and the one l'm buying. Dont have a mortgage, dont want one. Credit rating is ok, and l might go back to Tesco Finance as l have borrowed from them in the past which wasn't too painfull. Question is should l wait until May 1st until l applyor…
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Loan
My husband died 2 years ago and my solicitor is still dealing with the estate. My husband took out an insured loan in his name for use with a small business which he ran with a fellow director who has also since died. The loan company tell my solicitor that the insurance on the loan is invalid because my husband did not…
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Advice needed please!
We applied to Advantage Loans for a loan of 11k after seeing their site on the internet a few days ago. They wrote and told us we had been accepted by their company. To proceed we had to send them a fee for £49.50 which we did. We really thought it was an arrangement fee for the loan. How stupid are we:rolleyes: A few days…
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HSBC Loan
I have an HSBC managed loan with £6353. I am currently paying it off at £200 per month which should leave me with 32 monthly repayments left. However due to the fact that they charge me on average £70 interest a month it will actually take me 48 months to pay it off. Has anyone managed to successfully get off a managed…
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4.9% credit card or 6.2% personal loan
Will a no transfer fee, life of balance credit card (M&S) @4.9% be cheaper to pay off £5500 over a four year term @£130 per month than a personal loan at 6.2% over the same four year term, or is there some catch?:confused:
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Wrong Name on Credit Agreement
HI, I'm a newbie to the site :rolleyes: but have followed Martins advice for a long while since hearing him on BBC radio2:T . I have already reclaimed over £700.00 from my bank using the templates on this great site:D . I am now in a bit of a quandry :confused: as I have a loan with lloyds but the name on the agreement is…
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loan
I might have posted this already...new and confused.!! My husband died 2 years ago and his estate is still being dealt with by our solicitor! Evidently my husband took out a loan several yaers ago and this was insured at the time.It seems now that the loan company are saying that the insurance is invalid as my husband did…
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Bank of Scotland's 6% Loan
Just a quick note to tell of my experience tonight. I'm in the process of getting a new car so the recommendation in the latest MoneySaving email of a 6% loan from Bank of Scotland was perfectly timed. I filled out the on-line application, at the end of which I was informed to call them. This I did and was told that my…
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Secured loans
Hi all. Just looking for a quick piece of advice. I recently got a 100% mortage for a property ive been in for about 4 months. Is it possible for me to get a secured loan on it if i have a 100% mortgage? Also..........if you take out a secured loan........does it mean you can seel your house and buy another one during the…
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paragon redemption
hi all, i hope someone can help im a bit confused, i recently asked for a redemtion staement from paragon as my oh is about to inherit enough to hopefully clear it, the breakdown on the statement is as follows: Current balance as at 12 july £53,851.37 interest due on 20th June £388.99 Add interest from last payment due to…
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Credit Solutions Need help
Evening Everyone I did have a loan and it has defaulted and landed in the hands of a company called Credit Solutions. The amount outstanding is £3700. They have demanded full payment immediately. If i had the money I would pay them, I called today to make arrangements to pay them a monthly sum, this was laughed off and…
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Secured Lending- Warning
Hi All A word of warning -If you already have a secured loan with payment protection and are contacted by the company offering more money for no increase in terms please do not get caught out. I used to work (For 5 months) for a secured loan company and the company would telephone the customer after a year to ask them if…