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Student Loan Interest and Repayment
I am trying to build a model in Excel to work out my current student loan position and would be grateful for some help on the following. INTEREST CALCULATION I cannot quite model this properly - is the interest calculated on a daily basis and then compounded e.g. if you owe £10,000 daily interest rate is 0.005% = 50p. So…
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Short term loan
I need to borrow about £2,000 as part payment towards a car. I'll be able to repay the full amount inDecember when I'll receive a lump sum of money. I'm gathering money together from a variety of sources, (old car and savings) but still need this £2,000. I had thought of doing this through a credit card, ie, drawing the…
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Fortis Lease
hi all. we had an agreement with fortis lease in connection with hire purchase on a car. in august last year we purchased a new car and and because we had paid more than was required we wrote to fortis to state we wanted to hand back the car which is our right to do. we cancelled the direct debit to them. now we have paid…
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dwp loan!
hi guys, i received a letter last week with regards to a dwp loan i had whilst unemployed. fair enough you think, but not really as i have been with my present employer for 7 years now and this is the first time they have written to me, i have been told by my employer that because they have not contacted me before a…
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~~ My Loan ~~
I don't have credit good enough to get my loan from a bank, so I'm seeking alternate methods of funding. Tell me what you think. The loan is for a membership site I'm opening. I went and got 250 people to pre-order a membership for $100 (One time offer, life long membership with VIP and benefits) That is $25,000 in sales…
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my CDL and the training center appears to have gone into liquidation
Hello. sorry to start like this on my first post. I started a 2 year course with https://www.connectivitytraining.com last June. I had not been able to attend as many weeks courses as i had planned due to other annoyances at work and home coming out the woodwork and getting in the way. Anyway cut to now and it seems that…
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rebuild credit rating
hi guys , im trying to rebuild my credit rating as my score is very low at the moment and i hear having a small can help, who is the best supplier to go to for a guy with a low credit rating? thanks
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secured loan charges
HI was just wondering if anyone has claimed unfair charges on secured loans and mortgages as i have both G E MONEY/NATIONWIDE these charges happened 2yrs ago while i was fighting for life after by-pass op and hubby had to take time from work to look after me Some not all charges would never occured without the help from…
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Outstanding Car loan & needing new car
Here is my question, we have a car at the moment which needs £1000's of work on it and have been advised by garage to get rid ASAP. We are still due £2500 on this car loan and are now needing to borrow more from original lender Northern Rock or get another loan from somewhere else pay them and get another car for about…
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Double Glazing Nightmare for Elderly Parents
H, i'll try to make this as clear as poss. Thanks in advance for any help/suggestions. My parents who are both now retired had some double glazing fitted in 1998. The loan was through First Direct, with a loan amount of 6848.00 plus 102.72 administration fee. The interest rate was 20%apr. The monthly payment was £160.79…
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Where To Go From Here?
Hi, I really need to get a loan for a car but i've been turned down by Black Horse. Anyone have any suggestions of where I could try next? I know it's not a great situation if Black Horse are turning you down! I've heard that Welcome Finance will gove a loan to just about anyone but i've heard so many bad things about them…
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Please help me before I give up!!!
Hey everyone, I am not really new to the idea of Affiliate Marketing but I have yet to make 1 Dollar. My latest venture involved registering a domain name and redirecting the domain name to my affiliate link. advertising of course, is my biggest problem. I have advertised all over the web. Some free, some paid for. I am…
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Consolidation Loan and Re-Mortgage Question
Myself and my partner have been struggling more and more each month to survive with the debt we have. I am currently looking in taking out a secured consolodation loan over 15 yrs to reduce our outgoings, so we can live a bit better each month. I was wondering if this will effect us when we come to re-mortgage next yr. We…
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Returning a car on HP
Hi, (Apologies if this is the wrong part of the forum) We have a car that we plan to return under the clause in the contract (is this a standard clause?) that says we can do so 2.5years into the agreement without penalty. Under this clause it also says 'if the car has been looked after' - which is a very vague term! The…
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Reclaiming PPI
I took out a loan with HSBC and it wasn't until a couple of years later my personal financial summary stated that I have taken out insurance. I believed this insurance to mis sold as I was self-employed and I had enough income/savings to pay off the loan. I went to speak to them and they agreed to cancel the PPI but not…
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Please help!!!! Newly self employed and in need of a loan.
Hi i'm hoping somebody can help. My husband has recently become self employed, four months, although the majority of his work is still through his old employers with whom he was working for over 10 years. We are having some building work done on our house and now need a loan, however we are really struggling to find anyone…
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Cancelling PPI before the 30 days are up?
Hi Guys I am at the beginning of my secured loan with Black Horse (documents not yet signed), so still in the 1 weeks grace from the initial meeting at one of their offices. I have the proposed credit agreement on a loan for 28,500 @ 11.4% APR over 10 years. This gives me a monthly payment of £390. In addition to this the…
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Reclaim Loan Charges?
Hi I'm currently reclaiming charges for personal bank accounts AND attempting credit cards too. I wondered whether the same law applies to personal loans? I've tried one company I have a personal loan with and they have said the fees charged (such as late payment charges) are in accordance with their standard terms and…
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New Car Loan question
Hi All, Wonder if you can help/advice. I am currently 19 and earning 15k a year. I recently accepted a loan with Halifax to pay off all my credit cards and store cards just to have them in one payment, which i'm paying off over 2 years. Total loan amount £3950 I am now looking to buy a second hand car but wanted to know…
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Lending Money -
Hi Is there any websites where you can download free legal forms? Save cost of going to a solicitor? I am lending a friend some money to help him buy a house, but wish him to sign a pormissory note, where by upon demand he has to pay it back. I need this assurity as no one knows what will happen in the future. He is happy…