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Wrong %APR - dispute with Bank
Hi everyone I am presently in correspondence with my bank about the 12.9%APR they quoted (and I agreed, at the time, without checking its correctness) for a Personal Loan. I've been repaying on that basis for 1.5 years. Now, looking back at old leaflets they issued, I've seen that for a loan of that amount at that time,…
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Loan Agreement or Promissory Note?
About to lend some interest free money to daughter to help with house purchase. Obviously we need something in writing, so I told her one of the conditions was, she could draft the agreement ;D She has come up with a Promissory Note, which seems to say all we want/need it to, but I wondered what technical…
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Amazing Debt Offer
I graduated as a mature student last summer with my degree. As one would expect, I had run up some debts including a reasonably sized credit card bill. The debt had been passed to a collection agency who wrote me an amazing letter the other day. Pay one quarter of the bill in one hit, and we'll forget the rest! The letter…
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£5000 cash needed - best option?
Doing some major house improvements just now and as always the folding stuff has run out. I reckon I need £5000 more - cash - to finish the job. Spoke to my bank today and they are happy to give me further advance on my mortgage. I am on a 2 year fixed mortgage at 3.9% until june 2005 - so well pleased with that. They are…
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Deep in Debt
Hello. I would be grateful if someone could give me some advice please. I am 22,500 in debt. I owe 14,000 to Bank of Scotland & pay 242.00 monthly I owe 6,000 to other loan company repaying 108.00 monthly. (both loans unsecured/no payment protection. My credit card is owed 2.500 and I am trying to pay it off, but keep…
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My Grandad is in debt help me help him
Hello All :) I was wondering if anybody could point me in the right direction. My nan has not long passed away and my grandad now on his own has debts of. Loan £11,000 Barclay Card £1300 He no longer has any Credit cards, he lives in a council house with his rent paid and claims a goverment pension. He Pays £40 per month…
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Unsecure debts.
I read somewhere in this site that the courts do not have the power place a charge on your house to cover an unsecured credit card debt. What about vehicle leasing? I was in a business partnership with a friend running a haulage company, stupid I know butwhat can I say. Anyway, we had two 40 ton trailers on lease purchase…
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RULE 78 : Which lenders use it?
I'm looking for a loan, But do not want it to be top heavy with interest....as i wish to pay it off early....So how do i find out who is doing rule 78 and who is not ???
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Depression of Debt @ 24.
Hello Everyone..... Ive always been in debt, but always kept in control [to a degree] of everything. I work for a bank [you think Id know better] and therefore I am aware of the problems of missing any payments and having defaults and CCJ's, so I pay all my bills via direct debit, and have never missed a single one. Like I…
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Help with clearing your debts....
Hi all ;D Not sure that this is the right place to post this but here goes anyway ::) I have been gradually clearing my debts over the past twelve months. I don't owe as much as some on this site :o but much more than others :-[. I have found debt settling quite boring really as the money goes out of the account never to…
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Loan advice - borrow more for better rate??
I'm on the verge of taking a loan I require for various consolidations etc. Question is do I take a loan for the amount I need, £6000? OR take a loan for £12000 to get a better rate? If I take £12000, I will repay the excess £6000 after the first month and then have the £6000 I need at the cheaper rate (saves 2%.) i…
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Advice on Loan Insurance
Hi, Need a bit of advice on loan insurance. I have just been accepted for a £25,000 loan with Northern Rock at 6.9% over 10 years, which will clear all my current debts!! I decided to opt out of their PPI as it worked out to around £130 per month !!!! Rip-off!! My question is should I take loan protection insurance from a…
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This will probably be a new one on everyone...
I'd be eternally grateful for any help or advice at all. I'm at the point where I can't see a way out and don't know where to turn or what to do. I realised at the end of July that my cards were being used excessively for gambling on Betfair. They jumped from being used for groceries occassionally to having almost £16,000…
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To save or to pay off my debts ?
Hi People Point me in the right direction please. I am self employed for just 2 years and find it difficult to get competitive loans/mortgages. *I am buying a property £200k with a self cert mortgage on an INTEREST only basis @ 6%. *I have a £15K overdraft @ approx 7% from my business manager to help pay a deposit on this…
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VERY short term loan
My parents need to borrow £16000 (sixteen thousand pounds) but only until 5th November when a policy matures and they can pay it off. No one seems to want to offer unless charging astronimical amounts of fees/interest. Can anyone help with ideas???? ;D
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IN DEBT + SUICIDAL
??? :'(HI I AM IN DEBT TO THE VALUE OF £15000 MY HUSBAND DOES'T KNOW. HE LOST HIS JOB YESTERDAY AND IS OBLIVIOUS TO WHAT IS HAPPENING. I HAVE TWO LOANS, STORE AND CREDIT CARDS SOME OF WHICH ARE IN ARREARS. I DO NOT KNOW HOW TO APPROACH THE COMPANIES,I CAN'T PHONE BECAUSE I HAVE A HEARING PROBLEM AND I DON'T KNOW HOW TO…
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advise anyone on a £7000 debt
hi i owe £7000 for a loan i took out couple of years ago i went to c a b and sent of a financial statement to them to say i have not much money coming in esp now my wife has had twins 5 weeks ago they havent written back yet bey someone came to our door and left a card when we where out so i phoned him i never gave out any…
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Northern Rock offer me 6.9%
have recently applied for a loan with Northern Rock which I was expecting the 5.8% rate, though I received the application today through the post and have been given 6.9%! I have had three loans in my life and succesfully paid them off, in addition to this I had my pc on 0% finance 9 months which 14 days ago I paid off…
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pay loan or other debts
This is my first time so hopefully I will get it right!! I have a secured loan for £20k,I got this as we were struggling with payments for various things I had to go to our bank/mortgage lender(halifax)as we do not have a great credit score. With the money I intended to pay off credit card debts and also a loan that we had…