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Irish, living in UK should i switch my grad loan over
i have a grad loan in euro for 14000 euro i have to transfer funds across each month(nitemare) my int rate is 6.4% should i move it across will i lose lots on the exchange??? help please :j
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Feel like we're stuck
Hubby has a quite a bit off debt on 3 credit cards which we are gradually but surely paying off. After noticing the moneybackloan on here, I though that we excellent for us and so did hubby, so we applied. After we applied we got an email to say they would notify us in 24 hours, a few minutes later, we received another…
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Secured loan or not ???
We are looking for a new car as what we have at the moment is no way going to be big enough after a new addition :j in June, we have had not luck getting finance through a garage or an unsicured loan (apart from one at 24.5% :mad: and they could not give us enough). The only option left seems to be a secured loan but I…
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Electoral Role help please!
I cannot find the answer anywhere else so could someone please help. I have never been on the Electoral role and recently moved and put my name on the Electoral role. I have double checked with the council and I am now definitely on it and have been since Nov 05. However when I tried to upgrade my bank account last week…
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Paying Student Loans when Abroad?
Hi guys! I wondered if any of u money saving experts could help me! I have a student loan of £9k - ahhhh. But next month I am emigrating to Australia. I wondered if any of you knew if I am legally required to pay it off if I am outside the UK / EU. Is there a loop hole which means if I am outside the UK so many years I…
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Too afraid to take out a loan!!
Hi all I have been looking to take out a loan for around £7500 for home improvements and to buy a better car as theres no way we'd be able to save that amount at the moment and we need these now.The repayments come to around £150 per month over 5 years but... I keep thinking what if somewhere down the line I fall into…
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making sense of debt
Hi it seems my partner has managed to run up several thousands of pounds (about 8) worth of debt including a credit card, two bank accounts which are overdrawn to the limit and an outstanding loan. she cant afford to keep trying to manage all four as it leaves her little or no money to live on during the month and this…
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Getting a loan with a Fair rating
hi, this is my first time on any chat forum, so forgive me if im going about it in the wrong way, or im in the wrong place. Ive been down the road of getting a loan to pay off the dreaded credit cards, then run them all up again. i have learnt my lesson, and promise to cut the damb things up, however due to a few late…
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understanding debt consolidation
i am having trouble underrstanding the term debt consolidation. is it when we consolidate many loans into a single loan? is the new loan on a higher interest rate than the rest?
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Paying off loans
I rang my loan company last week for a settlement figure to cut my outgoings. I now have that money in my bank account; the problem is when I rang to settle today I was given a different settlement figure, £1800 more than last week! I obviously queried this but they say they have no record of me ringing last week- I now…
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Any good? loan offer
I have been offered a secure £5000 loan at £110 per month for 60 months . is this about average? can comments please
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Canceling PPI Lloyds
:rolleyes: hi everyone me and my partner are pretty new to this so apoligies if this is posted evrwhere we have a loan with lloyds tsb and have just had the payments lowered as we were struggling as we are both temporally unemployed i wrote to the complaints dept a month ago saying i wanted the ppi cancelled as it is no…
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Personal Loans - What do they check?
Hello - first time poster here so please be gentle if I ask anything daft! We're right in the middle of getting a loan to pay off some credit cards because it will be cheaper this way - we've had the amount and rate agreed in principle and now we have to send in proof of income. Thing is my partner is in the process of…
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Help please
I have been able to put off paying back educational loans until now and i will not be able to meet the minimum repayments once they are all added up. I have a proffessional studies loan with HSBC for 20K. The minimum repayment is going to be about £215 per month for the next 11years. I also have loans with the Student…
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Underhanded behaviour from a bank!!
Please can anyone help with this one - I am absolutely fuming! My girlfriend has a newly taken out bank loan with Lloyds, which consolidated her debts. At the time of setting this loan up, she was offerred a rate of 6.9% which made the loan attractive. She also took out payment protection, but was informed at the time that…
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pay loan off early?
hi guys, i have a loan with abbey. i took it out in january 2004. it was for £5000. there is no PPi on it. i have just recieved a settlement figure with them for £4400. my question is, during the course of this year i will be able to make extra payments on my loan, but probably not be able to pay off in full for 12 months.…
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Black horse finance (any experiance)
Hi About 6 months ago i applied for a loan with black horse, i needed £3500. Because my credit rating is not that good all they could do was give me £1500. They did say that after 6 months i could give them a ring and they would consider increasing the loan. Has anyone had any experiance with them and do you think they…
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Paying of loan
:eek: Three years ago I took out a six year loan. I now am able to pay it off in full, however when I requested a settlement figure I discovered I have to pay the whole Six years interest. Is there any way around this?
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Flexible loan
I wish to borrow £1,000. Having just started my own business, I now face an uncertainty about my income in the following months. Is there a kind of flexible loan which accepts varied monthly repayments? Any advice will be much appreciated. Cheers.
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Second Charge on Property or remortgage - need advice
HI We have a property with 3 loans on it which is rented out at £625.00 per month. The property loans come to £125,000 and it is worth £205,000 approx. We have equity in it worth £80,000 upon which we want to release £25,000 to buy another property with guaranteed rental income (this is via a lease and is definite) which…