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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…
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loans
hey guys newbie here, hope you can help. i i take out a loan over 5 years and repayments are say £190 p/m . over 10 yrs repayments are £108 p/m i intend to pay the loan up quickly anywaysay after 3-4 months, both loans have "no redemption penalty", i cannot figure out where the catch is obviously i am gonna take the loan…
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Loan for self employed bod
hello all, just an enquiry really, my boyfriend is seperated from his wife, she is now living in there old house and paying the mortgage etc. He used to have all of his wages payed into her account because the bill ect were in her name, it was easier that way. Now they have split up and he is not living at the house…
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Stuck. Need Help quickly!!!
Are finally starting to see a bit of light at the end of the debt tunnel, tho things are still a bit tight. Credit rating is BAD, but are working hard at rebuilding. BUT, car has now been has now been condemmed and will not make it through the MOT in 3 weeks time. I work nights and cannot get public transport home when I…
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Need Money to Build
We own our house and are about to build a new bungalow in the garden. What is the best way to borrow money to finance this. Will it be better to get a mortgage on the house and then pay it back when we sell? All our plans are passed by the council and we have about 17.000 to begin the groundwork but we need about 40.000…
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Insurance - Being accepted after sickness claim
A friend of mine had a car loan and due to long term sickness relyed on the 'sickness cover' (the official term escapes me at the moment) to cover the last 12 months of the loans repayments.... He has now returned to work (over 12 months ago) and is looking to get a new loan to purchase a car. Will there be any…
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Changing payment plan
Hello I would like to thank all posters on this site as I have been given some great advise that has really helped me. Could anyone give me some advise as to changing my payment plans? When contacting my creditors I was frightened into agreeing to a plan that I could ill afford. I would like to reduce this now as I am…
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IVA questions
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