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In Debt with USA trust Fund
I am in debt in the UK, but have recently come into a small inheretence (in a USA Trustfund) that would clear my debts. The problem is is that the company will only issue a cheque or bank transfer in dollars. Should I pay of all my debt, and how do I get a good exchange on my money? ??? If I did get a good exchange should…
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Combined Mortgage and overdraft Facility
I have an an account that is effectivly my mortgage and current account. The current overdraft limit is approximately £40k, my salary is credited to this account on the last friday of each month. I have standing orders & D/Debits coming out of this account throughout the month. Can you please advise me the best way to…
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Looking for an offset loan
Hi All I'm looking for an loan I can offset with my savings. Have talked to if.com who have stopped doing the product in the last month due to customer feedback (of course nobody asked me !). I am not looking for a CAM (current account mortgage) product as my mortgage is staying where it is. Any pointers welcome. Many…
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Refused loan
I currently have an outstanding loan balance with HSBC of £7400 with an overdfaft facility of £1500 and a credit card debt of approx £1850 with the same bank. I am transferring this credit card balance to Halifax where I will get an interest free period for 9 months, by which time I will pay off the lions share. However I…
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Getting out of a PPI deal - would this work?
Question for anyone knowledgeable in the ways of purchase protection insurance policies. If you found your circumstances changed such that you were ineligible to claim under the policy, would that entitle you to demand its cancellation, on the grounds that the company intended to breach its contract? An example would be if…
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Secured Loan help request!
Hiya, Does anyone know how long you need to have had your mortgage before you can get a secured loan? :-/ Cheers in advance to anyone who can help x
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Payplan - have u used them or heard about them?!
Hey! I am thinking about using Payplan.com to get my finances sorted out. Has anybody used them or have anything good/bad to say about them? Many thanks in advance, James :D
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Graduate Loan... can I use it to my advantage?
Hi I'm new here so please go easy on me. :-/ I graduated 3 years ago and this is the last year I can get my graduate loan. I've been reluctant to get it because I don't want to feel I'm in any more debt than I already am... so I was wondering if there was a way I could put my loan into a savings account with a high…
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Loans and liability? Help!
My husband has applied for a secured loan, behind my back, saying we have split up (I have found the paperwork) he has also lied about the amount he earns. I am not impressed!! What will happen if we divorce or he dies? Will I be liable?
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Buying into Resorts
2 years ago, we accepted an invitation to a resort in which after the 90 minute tour, we got carried away and paid down $295 to buy into this. We signed a contract & were given benefits such as travel vouchers, hotel stays at no charge or good discounts. We had 7 days to change our minds. We got caught up in this, but…
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bridging loan company, how do i check if reputable
I am going to have a bridging loan of 400,000 and a mortgage of 170,000. bridging loan period 1 month 2 bridging loan companies have contacted me but I am know having a few concerns as to how reputable they are. one mortgage adviser can provide both through 2 different companies . mortgage with Capital Home Loans Ltd who…
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Trying to be different - Advice needed !
Ok guys it's time to get a few things off your chest ! I currently work as a mortgage advisor and will very shortly be starting life as an estate agent as well. No I know that in general both of these roles have quite a negative public image and I want to do my best to change it. So if you can spare the time I would like…
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12 k in debt, loan declined, advice please..
Firstly hi to all, great site. OK, my problem is that I am 12k in debt. This is spread over 3 credit cards and an overdraft. I have actually been reducing the amount by changing cards frequently etc but as I always only pay the minimum amount its taking a long time. I decided to try for a Northern Rock loan....but was…
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anything better?
I am looking for an unsecured personal loan. Has anyone came across anything better than the rate northern rock provides, 5.6%
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debts debts debts!!
hi, I have just moved in to my new place and I've started to realise that paying the bills are difficult, especially when i have loads of debt as well as my girlfriend having loads of debt too. I'm only 22 and i have realised that I have overspent in my earlier years! I was thinking of taking out a loan to cover the lot,…
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Drop in salary, and i was doing so well!
Hi Guys, I'm gutted. I was doing so well with reducing my debt. It was around 8.5k on c/c's at the beginning of the year and is now down to 6.5k. I was hoping to keep on paying 500 per month and have it cleared by the end of next year. A big problem has now come my way. I have been getting a promotion in the summer months…
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caplital repayments on loans
is it true that if you wish to pay a loan off early, you can make a capital repayment for most of the balance, and then when you settle, you only get charged interest on the amount outstanding and not the full loan amount?
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ARE YOU WORRYING ABOUT DEBT
Read what dear Auntie says. [ftp]http://news.bbc.co.uk/1/hi/business/3910491.stm[/ftp] Once on the site use this button to navigate
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What if a bank can't prove the amount owed?
My wife had a long outstanding debt with Nat West (going back to the late 80's). We were paying an amount monthly for a while but stopped due to circumstances and as a result of various student and post-student house moves, have no statements. Nat West have tried to use various agencies and methods over the years to try…
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Flexible loan
I am thinking of buying a used/nearly new car, and spending about £15,000. I want to get the money via a flexible loan (eg. Cahoot) and then pay it off with a life-of-balance credit card(s). So I need a flexible loan, or at least a loan with no early repayment penalties. Who except Cahoot gives such loans at what interest…