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Paying off ald load!!
Has anyone any advice on the following: back in 2000 i had a car on HP which i gave back to the finance company at what i thought was half way in order to have paid the loan off, this was not the case and 3 years later it crept back up and i was in fact 5 payments off the half way point! At the time i was unable to pay in…
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RBS Loan
Basically applied for a few loans without any luck, i dont see why i have any problems as my credit rating is 790 and 1 late payment in the past 3 years. So i applied at my bank (RBS) who have agreed to the loan in principle. What are the chances of them making a you turn on there decision?
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Insurance for loans
I'm looking to take out a loan for between £5000-6500 depending what car I buy. The payment protection insurance can easily add £30 onto the loan each month. Are there 3rd party insurances to cover me for sickness, accident, unemployment etc that I could take out that would be cheaper? Thanks
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We want to get on the property Ladder - need advise re: loan!
Hi, Myself & my fiance have loans between us of £16,000 which will be cleared in around 3 years. We have had the loans over the past 4 years (we have learnt our lesson!) and we have been renting a property for the past 3 years. I am self employed and my fiance is on a fairly good wage, however our loan payment each month…
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Same old story - bad credit - Loan needed!
Hi guys...help/advice needed. I have bed credit, not entirely my fault - split with OH 5 years ago, he was suppossed to pay ome joint finances we had, he did do for a while then didnt! As i result i have 4 defaults on my file, they are all 3years 8months old, they were all applied at the same time, within 28 days of each…
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Short term loan advice.
I'd like to take a short term loan for £2000 which will be paid back in full by middle of July when I get my annual bonus paid into my account. The reason I cant wait for July and then pay for my purchase then in cash is due to the offer will not be available then. Barclays have offered me a 'Pre-Approved' offer @15.9% APR…
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Disability benefits, where can I get a loan?
I'm single and disabled in receipt of various benefits and need a loan. When I was working I would have had no problem as my credit history is good. I've called a few loan companies to try and get an unsecured loan of £15,000 to consolidate my credit card debts. Without making an actual credit search, I have been offered…
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paying my loan of quicker - less interest??
Hello all. I would like to take a loan out soon and i wondered if i pay it off earlier will i pay back less interest,. OR do they charge you the full amount of interest aggreed at the start. thanks.
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You agree with Martin Lewis?
Martin in today's newsletter says: Cheap Loans Disappearing. Act Quickly if you need to borrow The Bank of England raised interest rates [...] As the rate you get now is fixed for the life of the loan, if you're going to need to borrow, now's likely to be the best time.How do you feel about his comment "now's likely to be…
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GE Capital fined over PPI
http://www.fsa.gov.uk/pages/Library/Communication/PR/2007/015.shtml saw this on another site and thought it interesting:j
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cancelling ppi
hi, this may sound stupid but can you just cancel your ppi? My husband took out a loan which ends in february and we were just wondering because we could really do with the money that cancelling would give us, thanks
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Help! Hubby Mis-sold PP, GAP ect on car loan
Hi Wondering if anyone can help Hubby took a £2200 car loan out with Welcome Finance thru a car dealer. He took the loan out for 2 years (after being told that he could not take the loan out for 12 months) - or so he thought!!!!! (repayments were £160 per month) At the end of the 2 years (March) we applied for a mortgage…
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PPI claim Example letter - Where do i find one?
Hi there Can someone direct me towards the example letter that I may send to the finance company to claim back miss sold PPI please? Also is there anything I can do about breakdown cover insurance that was sold and warranty cover that we are being told cannot be cancelled 2 years down the line?
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Settled debt but still being chased!
Hi all.. I settled a previous debt in full back in March 2005, having paid a fixed monthly amount of £75 for a number of years to CABOT financial. I completed the payment with a debit card payment of £165. Approximately 6months ago the dreaded Mackenzie Hall contacted me stating i still owed over £1000 to Cabot and they…
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Young persons' loan.
I'm sure many people like me are in the same boat.. Wanting a car (£3500) and the insurance (£1700), aswell as MOT, TAX and other neccesities, taking the total to £6000 needed in cash. Problem being I, and many others, are 18/19/20, and won't qualify for many loans that specify a criteria of having to be 21+. Put simply..…
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Looking for a loan that allows overpayment???
Hiya Does anyone know which companies offer unsecured loans which allow you to overpay? I am looking for a £15k loan over 4 years but would like the possibility to overpay as should be able to clear it in 3 years? Any ideas??? Thanks
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Loan Direct Debit date change?? Need help!
My brother took out a £5000 loan with his bank, Natwest in October 2006 Recently his payment date has changed from the 21st to the 26th of each month, he has had to amend most dates concerning his direct debits which came out of his account on the 22nd.(mortgage, water etc.) All were accommodating with the exception of…
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changing monthly payment date
Hi all Have a loan with Natwest, and probably need to change my repayment date due to a change of job/payday. Has anyone ever had to do this - is it easy to do? Thanks
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A couple of loan/credit rating enquiries!!
I recently purchased an experian and an equifax credit report as i am contemplating buying a car. It is showing as 'fair' on both of them, i am pretty much right in the middle of the sliding scales. I have a few credit accounts, no missed payments, quite small balances on all, so all should be good. The only negative part…
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looking for a loan
hi everyone just got my experian credit report today and it was scored 852, which is classed as fair. how many lenders will give me a decent loan on this info and which ones use experian only. furthemore does anyone know how reliable these scores are and how long will it take me to push the number to 880+ which is classed…