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early repayment charges
HI GUys I wondered if you could help me with the following problem I currently am facing. I took out a secured loand of £34 k 7 months ago(I know secured wasnt the best thiong to do but at that amount and my credit score it seemed the only way to do it as I desperatley needed the money). ANyway, the loan is with GE Money…
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help regarding car loan apr/fixed rate
hi i am confused at the various figures offered for car loan for 10.4 k apr of 7.9% by the dealer flat rate of 2.99% mentionned in the posts here 4.99% fixed on my mortgage which i can get them to put this sum on which is the best way is there a simple formula to do the comparisons please help
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Confused re:PPI....
Hi there.. I've been reading with great interest all sorts on this forum! One thing that has grabbed my attention is the subject of PPI. Hubby and I feel we are in a tangled web and want to take control back of our finances... We were stupid. We know that now but we still don't know the correct way to go about sorting…
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Refesh My Memory!!
Hi Everybody....as the title of this thread makes clear, i need my memory refreshing. a few weeks ago i heard Martin on the Jeremy Vine show talking about loans. If i remember right i am sure he said there was a way of applying for a loan but the application will not go down on you credit history? Does anyone remember…
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Reasons to cancel & Not to cancel PPI...
I would be very interest to read peoples reasonings on this. Obviously one reason to cancel is to save the money for elsewhere! A reason not to cancel may be that your job isn't very stable? Hope to hear from you all! Cathy xxxxxx
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low cost loan for home renovation?
I remember reading a brief mention somewhere - I think it may have been something written by Martin either here or in the MoneySaving Diet - that it is possible to get a low-cost, even interest-free loan to help with the costs of home renovation, particularly when the aim is to make the home more energy efficient. Does…
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Graduate loan vs. Overdrafts.
I graduated last summer with semi-monstrous debts (in addition to my student loan), which are all interest-free at the moment. I umming and arring whether to take out a loan to cover my repayments as it may be cheaper in the long run. My current situation is: Overdrafts: Natwest Graduate - £2,000 (0% interest until June…
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Moneysupermarket.com
Utilizing Equifax "Our smart search will show you the cheapest loans based on your individual credit score! (No record or ‘footprint’ will be left on your credit history)" Am not sure exactly how they can get your credit file and not leave a footprint?? But are they saying they can more or less find a lender or lenders who…
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How to cancel PPI
Hi, I'm new here so here goes. I want to cancel the PPI on a loan I've had with A/L for two years so far. Whats the best way of doing this, do any of you have a template letter I could have a look at. Many Thanks
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Help Pls: Bank Loan for Business - Best Rate/what To Look For Etc
Hi All, I run my own business and am in need of a cash injection. Looking to borrow circa 15-20k secured against my house to put into my sole trader business. Can anyone with experience advise of the where to look for the best loan rate on the market at the moment, anything i need to be warry of when weighing up one loan…
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Loan for Girlfriend's Deposit
Hi, girlfriend was refused on 1st time mortgage (100% LTV). She has not been refused credit before, or missed payments. She owes £3750 to credit cards. She had some others which she was not using, which she closed. Does this look better, as she has less credit available now? Or worse, as she is close to using the maximum…
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loans 5.7% (Moneyback bank)
A&L have just launched a new online only division called 'Moneyback Bank'. They can be found at www.moneybackbank.co.uk. Offering loans at a typical 5.9% APR for amounts between £1-25k with repayment terms of 1-7yrs. As far as I can see nobody else offering as low a deal. Plus, if you take their payment protection you can…
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Loans gone mad
I decided to give Marks and Spencer a call as I've had a loan in the past with them. I ring, she tells me the APR will be 6.6%. Great news. So I go through all the stuff, £6,000 loan, 3years - blah blah. Get to the end, Great news sir, you've been approved but at a slightly higher rate. Define higher rate, 11.89% APR…
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Help needed on an unsecured £2000 loan
Hi there, MY partner wants to take out a £2000 fixed unsecured personal loan for 18 months, but we just don't know how to start to look through all the different companies for the best deal, we've just been trawling through. is there anyone who can tell us where is best to look for this kind of loan? thanks in advance for…
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Secured Loan - which one??
can anyone recommend a secured loan where the loan company won't increase the APR if I choose not to take out the payment insurance
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Loan secured on a car
I want to buy a new car for £15k. However, the PCP finance it comes with is at 11.5%, which is obviously not good. They want to sell me the car so I'm sure they will reduce that to about 10%. I wont be able to get a personal loan. Although I'm not self employed, many lenders class me as being so (as I work for 3 companies…
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Payment breaks?
I may be being alittle optimistic here, but does anyone know if it is possible to take payment breaks from loans? The reason I am asking is that I am due to go on maternity leave in two months and any short term reduction in our monthly outgoings would help us to increase the amount of time I get to spent at home unpaid…
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Loam or Morgage?
Married Partnership age 65 + 70yrs. Run a small business from home, we have no morgage. The house is worth £120,000, we need an extension, we are running out of space. We have two grown up children we would like to leave them the house. We need £25,000, Is it better to remorgage or take a loan offered to us at 5.6% apr…
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Loans - please help
Hi there, I'm looking for a loan up to £10k for a friend. He has no CCJs, no mortgage, one CC (just got) and is self-employed. Are there any places that are more likely to take him on than others? I'm guessing repayment would be over a 5-year period. Can anyone make any suggestions? Thanks! :-Joe
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Lending money to buy a house
My daughter is currently buying a house & we are lending her the money to get on the property ladder. In reality we might never see the money again & we hope that we are not that desperate to need it. Because of various friends & work colleagues who have done similar things in the past & come unstuck we decided we would…