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384k Debt Pardon
Thank you M'lad ;) Lucky or what ! Okay the interest was extortionate i.e. £6k to £384k is extortion, but they should at the least have to repay the original debt of £6k I think this sends out the wrong message, it may make people in debt think if they leave sortign out their debt for a decade or so, it will get written…
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advice needed please can you help
hi, im 27 and ive got £10,000 debt on credit cards, £5000 from college 2 years ago and £5000 from doing up my flat in the past year, the thing is, its a council flat and now i want to buy it, the problems i have are, i have a bad credit rating due to a family member getting credit on my name( dont go there..gggrr) and i…
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Debt Management
Having just got married, I find that my gorgeous wife has a few debts. The credit card ones are being sorted but, she is still paying a debt mangement Company `Chiltern`. Is there any way of moving this money else where to pay it off quicker?
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Gemstone anyone heard of it ??
Hi There, been offered a loan by a company called Gemstone. Has anyone used or heard of it and are they any good??
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Consequence of loan upon a mortgage
Hi I am about to take out an unsecured personal loan over 3 years for a car. Im wondering will this effect me applying for a martgage or the amount of mortgage I can receive as Im thinking of buying a house in the next year. Thanks
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Bankruptcy - consequences?
Hi, I'm currently about £24,000 in debt to various credit card and loan companies... all unsecured. I have no assests worth selling really... I'm starting to have problems keeping up with repayments - I've been repaying up until now from my wages, but then I run out of money by the middle of the month and have ended up…
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Black horse
Im thinking of buying a motorbike on black horse finance for £1300 through my local showroom. Has anybody used them before and I want to pay off the loan in a shorter time period possibly only 2 months so will they charge me the remaining interest on the loan, because the man in the showroom said I could but I dont think…
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good idea/bad idea?
I have 2 credit cards and an overdraft (totalling about £4800 all in all). I never use the cards to buy stuff and am trying to pay them off. Whilst on holiday though, i used my egg card for a couple of wee things (about £30 worth of stuff) and it sent it over the limit, so now my credit rating's gubbed. I was planning on…
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MIS-SELLING of loan???
Hiya, just wondered what the criteria for mis-selling was? I took out an unsecured personal loan 3 years ago now, simply to pay off my credit cards. A stupid move, I know, but I was desperate at the time, and completely unable to budget and/or manage my finances. Anyway, I wasn't working as my son wasn't at school then,…
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Two alternatives? which one ?? Please help !!
Hi All ! I've already posted on another forum regarding my application for a credit card so that i can avail of a 0% balance transfer. Unfortunately, I was rejected, both by Egg and Lloyds Advance. SO I sent an application to Experia to ask for a credit report. My question is : I only have 1 credit card with Barclaycard. I…
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Post Office Loans
Has anyone got a loan from the Post Office? They seem to have fixed rates rather than typical rates and so it should be a case of knowing what rate you will get before you apply. The best rate is currently 6.4%.
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changing my car finance help
Hi guys can anyone give me some good advice. I have a car on Hp finance with ford .I pay £161 month (Ive paid one year already and i have another 4 years to pay. 17%. I rang them today for a settlement figure which came to £6137. Is there any better deals i could change over to like get a loan somewhere else at a lower…
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Egg Loan Overpayments
I owe about £16K on an Egg Loan, but because business is improving I'm thinking now would be a good time to throw some more money at this debt. My question is would it be worth me doing a few one off overpayments into my Egg Loan? Or would I get stung with this rule of 78 stuff? Thanks, Mark
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Financing a car purchase from friend?
A friend of my sister-in-law is selling her N-reg car to finance the purchase of her wedding dress as her and her fiance don't need 2 cars. She's offered it to us for just £1200 with a MOT (passed it on Friday), new exhaust, tyres, a CD player and Tax until May. She paid £2000 for it just over a year ago. We like the car…
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Am I doing the right thing with my debt
Hi to you all. I hope some of you will have a minute to look at this and maybe suggest the best course of action for me to take. I am 25 and, up until 2 years ago I was completely debt free. Then I met a girl who in 6 months cost me nearly £6,000. during this period I also needed a new car so rather than buy a banger that…
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Yes Loans UK - any reviews
Hi We have applied for a loan with Yesloansuk, and would appear to have been accepted. I'm a little unsure about them, as it's all been a bit quick, Has anyone got any good/bad stories about them?
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WHAT CAN I DO?
I thought a loan I had had for seven (yes seven!!) years had finished in September so I cancelled my d.d to them. They had since wirtten saying a. the loan doesnt finish til next year and b. I have to pay loads of cash in late/missed payment fees. I asked for a copy of my original loan agreement and terms/conditions. They…
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Not a bad debt, just after better terms.
Hi peeps. Just a quick on really re: credit cards. I know there is a credit card forum but this is a combi question :) I have £2300 on an Egg card at the moment (the only credit card I have) and I dont pay the balance off every month, just slightly more than the minimum. I have had it for several years. I dont spend on…
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I am starting at the right place!
hi, After sitting down with my partner to sort out both of our debt i just want to get any advice on the best way to pay it off. In total we have Me 975 and 350 on overdrafts with HSBC and ABBEY, these are both 0% with 1000 limits reducing to 500 next AUG. 6155 car loan to parents so 0% 6200ish student loan taking 30 per…
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Sterling Green Debts Manangment
has anyone know about Sterling Green Debts Manangment if so can you give me some feed back on them please. many thanks
