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Payplan advice on R2 programme 2/7/04
Hi Martin, I was listening to your programme on Radio 2 yesterday when the last caller phoned in saying she had big debt problems and was going with Payplan. Payplan is actually one of the free agencies like the CCCS who help people in debt and I know a lot of people on the motley fool dealing with debt board that use…
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Best way to pay off bank loan in Cyprus
I use to live in Cyprus and owe the bank £2500 Cypriot £s by the time I change my money from sterling into Cyprus £s then comission fees Im never going to pay off the loan any ideas would be gratefully received
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Some Advice, please.
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Barclaycard loan
When I complained to Barclaycard about their mis-leading marketing, they replied that 'A typical APR is the one at which the majority of loans, by number, arising from the advertisement that are expected to be made'. To me this means that it is a completely arbitrary figure, even an indefinable one, and as such should not…
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Problems With Citifinancial - help needed!
Hello folks, Please see below text of my letter to CitiFinancial which will explain the long story. Do I have any rights over this? They've sat on my account so they can sting me for interest and I'm not having it. Any help or advice would be greatly appreciated - I don't have the extra money to cover my new settlement…
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statute barring - how does it work?
1998 - applied for Homeowner loan to current building society. Received the money later that year to pay off business debts. A verbal agreement was reached to pay the money back over the remaining term of the mortgage at the standard mortgage rate. Since then no further correspondence from building society re. repaying the…
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£40,000 in debt, please some advice
We dont know what to do, £40,000 in debt mostly from consolodating loans etc. Barclays just kept on helping us pay off the cards. Child very ill for years, took trip to Disneyland on credit cards. Pay cuts at work,just kept on spending! Put house up for sale, to pay off debts and buy one cheaper, just found out house is…
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Enforcing Sale of Property
Five years ago I made an unwise decision to enter into a Business Partnership with an untrustworthy Partner. To cut a long story short after a lengthy Court Case I now have a Judgement against me for £9.5k. It was agreed with the Courts that I would pay monthly instlaments, which are quiet low at the moment. Ive always…
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Need £1000 Loan - Non-Home-Owner
Hi there, I need a loan for £1000 obviously with the lowest possible Interest rate - payable say over 2 years or 24-30 months. I have a 'bad' credit rating (2 defaults no CCj's) which has affected me getting Credit in the past. (can't have a switch card, on Solo :( ). I'm only 24 and do not have my own home. I have a…
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How do you find the best APR ?
I'm looking into getting a small personal loan but because I rent and therefore don't have a mortgage and I also don't have any credit cards my "credit rating" is'nt the best ! So how can I find a personal loan with a low APR ? As I understand it, each time I inquire with a bank about a loan I find that I'm not getting…
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Help
Anyone ever heard of Cobolt Finance or similar sounding? Do they buy debts
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Can someone help?!
I wonder if anyone can give me some advice.... On leaving university four years ago I started my own business (sole trader) and a high street bank lent me 15k (partly a graduate loan and partly a small business loan) to set up the business. Within a year my business could not survive the monthly repayments and I had to…
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3 Yr Interest Free Credit from DFS
Dear All, I have just bought a 3 and a 2 seater sofa, and filled and signed a 0% credit agreement, 1st year free with debt beong paid off in year 2 and 3 by equal instalments. I also paid for a 5 yr anti-stain warranty but when I read the small print (yes after the signing ... doh!) its not worth the paper its written.…
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How can I lower loan debt?
My partner has taken over sole responsibility for 3 loans that are secured against the house. They total about £20,000 + and repayments are interest only. Is there a way to minimise this debt, e.g. by using 0% cards, etc? Any ideas would be gratefully rec'd.
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Protected Trust Deed (Scotland)
Hi everyone, I have been progressing through a Fincancial Adviser called David & Co of Elgin Scotland (https://www.david-and.co.uk) and I am a bit unsure if I am being ripped off! They have taken some details (incomings, outgoings etc) and have agreed I can go ahead with a protected trust deed. They have now invoiced me…
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Minimum payments and rising debt
If you pay the minimum payment on your credit card - and your credit card is NOT on a 0% deal - your debt could be rising. This may especially be true if you are also paying for Payment Protection Insurance. Full article at http://business.timesonline.co.uk/article/0,,8214-1172661,00.html
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Credit Management and Debt Consolidation
Check out this site. It has informative articles and important links on how to read and obtain your credit report, how to refinance your home, where to obtain the best rates and how to manage and consolidate debts. http://www.wowdoc.com/pages/4/index.htm
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6.4% APR loan even with a poor credit rating ....
Finally been okayed for a Alliance and Leicester personal loan at 6.4% APR (their lowest rate for loans over £7,500; its gone up from 5.9% APR which was a shame). I had originally been given a rate of 10.9% however I rang them up and queried it and the guy said if I opened a Premier Current Account they could redo my loan…
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Any advice?, what should I choose?
Hello there :) I currently owe around 13k on : Overdraft : £3500 Credit cards : £9500. Now, I am at a point where it's getting a bit silly, and I need to start to prioritise and pay off these debts. I have the £6500 spread over 5 credit cards, owing between £1000 and £4500 on various cards. The £4500 has 0% for a further 6…
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How to find an I.F.A
Hi, I have posted on the "anything else" board if this is the wrong place, but can anyone help me find an Independent Financial Advisor with expat experience. I do not have assets, just income/debt and I want to find someone to take a look at our personal finances, our income and help us work forward in the best way to…