-
getting loans at 21yrs old
Please help before i tear my hair out!! I have just bought a car at £12000 on finance for 5 years. I took out the finance to get the car in a rush because it was already in the showroom but the finance is 15.3% apr. My idea now is to take out apersonal loan (that is around 6.8%apr) to settle the finance and pay off over…
-
loan and overdraft, is it worth consolidating onto
I owe i think £863 on a loan from lloyds tsb ( from an original loan of £3500 over 42 months. I also have an overdraft of £1600 also with lloyds tsb which i find i have to increase every month because i keep going overdrawn. i earn anout £1100, per month. Is it worth getting a 0% cc and transferring these 2 balances to…
-
Abbey doing 5.8% on loans
Just spotted that Abbey are offering loans at 5.8% if the amount is over £5k and you apply online. Looks pretty competitive but I'm assuming they still use 'rule of 78'.
-
where to from here???
as a single person i had an excellent credit score and had for many years (was easy to check as worked in bank). met partner year ago who had debts coming out of his ears!!! in the region of £40k. helped to sort him out and he had just one left that he had had frozen ages ago, interese frozen too, his loan was taken out 4…
-
Buying new car
My hubby is thinking of buying a new car using his existing one as a trade-in and we are thinking about finance for the rest £8000 approx. The thing is normally we would shop around for the best APR (0% not offered by SAAB they're offering 4.3% flat rate ???)but having read about using credit cards with excellent life of…
-
debt consolidation
hi, b/f needs extra cash as he is useless at money and is paying a fortune out on cards and loans. have turned him into a bit of a card tart, but really he needs more than this, about £20k to clear off his debts :( has a 3 yr capped rate with northern rock, he is 2 yrs in. fancies remortgaging to clear his debt, but I…
-
Need to borrow £3,000
Hi, I'm new to all this. Ive just bought my first house. Ive never borrow any money etc. Just my student loan. However i have money saved up to renovate my new house, bathroom, kitchen etc. However i need to get the windows replaced asap for dbl glazed ones. This will cost just under £3k. So id like to get some sort of…
-
Cahoot loan. Move it to a CC or leave it?
Hi I've got a cahoot fixed rate loat at 5.9%. I'm thinking of paying it off with a 0% CC. Has any one done this? What cards allow this? Do you think it is worth it? The loan has about £3500 left on it and has 2.5 years left. Paying about £124 pcm. Any sugestions?
-
cancel PPI with A & L
Hi all, I'd like to know if it's possible to cancel the PPI (personal protection Insurance) I currently pay with Alliance & Leicester.......I have a £5000 loan and have been paying £139 per month for the past year or so....(48 month loan) If I cancel the PPI I will save £19 per month....I really could do with this saving…
-
A Debt Prob- I'm so confused
Hi I hope you guys can help, I'm a little confused here- sooo much info :-/ I have an overdraft of £1500 and credit card debt of £2000. I have crohn's disease and have been unable to work, hence the reason these debts have built up. I have been getting support from my parents of about £600 a month which just about pays all…
-
Need advice on debts
I am overdrawn by £3800. I can't pay it off each month. The nearest I get to being in the black is being £2000 overdrawn. I know I could Balance Transfer this debt but then that would give me an additional monthly outgoing - I earn almost exactly what I pay out,sometimes I earn less. and extra £100-120 would start the…
-
Natwest Card Plus Help!
Hi I am 15 years of age and I have a natwest card plus account. Upon signing up for the card plus account is said I can not get overdrawn or go into debt. But today I received a letter saying my bank account has been forwarded to the debt management team because I owe them 232 quid. Are they allowed to make me pay it…
-
7.7% loan/nothing to pay for 6m - good?
I'm not in debt crisis but am after some opinions and suggestions, please. I can currently (just) meet all my commitments but will soon have a boost in my income of at least £500 per month due to going onto standby at work. My wife works part-time and earns a little money but wants to give up the job and concentrate on her…
-
Need Loan Cash in 24 hours
Sorry if this question has already been posted. I crashed my car last week and now need a new one. Looking at moneysupermarket and calling a few of the companies. They all have to send paperwork to you to sign and then post back again. Are there any companies that can fax the forms they can then be signed and faxed back. I…
-
Debt agency or loan
I have just got married. My wife got into some debt problems before I met her and enlisted the help of a debt agency. She owes £8800. She is paying £100 per month of which the debt agency take £10 per month. My question is : I have the cash to pay some of it off and to pay the rest with a loan. However the agency…
-
help with your debt
I have taken my nephew to his bank today to discuss his debts and even though we rang for an appointment, prepared spread sheets with income and outgoings, even though we had researched all the help we could we were met by a wall of indifference. We have spent the afternoon on our respective phones, side by side calling…
-
Going to try this - has anyone else
Moderator comment:- Post content removed. We do not approve of pyramid schemes or chain letters.
-
where best to start?
hi everyone, i'm sure this is probably the same as a lot of others on here but havening recently finished uni i seem to have a lot of debt spread about and i'm not sure which to start paying first. although i am quite lucky in that none of it is particularly high interest. Basically i have about 6000 student loan, 7000…
-
how long can you be chased for your debts
anybody got any ideas?? I married young as you didn't live together then, brought a house and unfortunately the marriage broke down so I left leaving ex-husband in the home only to find out several years later he had it repossed and being naive my name was still on the mortgage, so now approx 15 years later I have recieved…
-
SERIOUS Equifax Report Problems
I received my report this morning and was SHOCKED by what was on it!! Firstly, 2 CIFAS flags by someone I do not know and has not lived with me. I have since filed two Notices of Dispute with Equifax Secondly, the number of searches!! I applied for broadband with NTL and they searched my file 3 times in 6 days. Is this…