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building a good credit ? the companys that .......
The Companys that say they can help build your Credit ............ hi all i`m a new to this Forum, well this is my little bit of info that mite help others I have been with Welcome Finance for 2 years (not the best of loan companys to go with) they have a very high rate of pay back (APR ) and they also say that they can…
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Charging Order
Hi, Hope someone can give me some much needed advice. After a very bad business decision in choosing a wrong Business Partner and after a very long & expensive Court Case I have unfortunately had a Chaging Order on my home for £10k. I have an instalment arrangement and make monthly payments on a regular basis. Would this…
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does overdraft affect credit rating
does being overdrawn all the time affect your ability to get a loan. also does missing catalogue payments affect it too.
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DEBT REPAYMENT ADVICE NEEDED!
Over the last few years I managed to really make a mess of my financial affairs and ended up in debt. Around 12 to 18 months ago I ended up goind to a Debt Management company, who helped get things sorted (initially) and I ended up making reqular payments to them who in turn were paying towards the debts. Unfortuntely,…
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Cashing in on my endowment to get out of debt
I posted this under mortgages, but figured it might be more applicable here. Apolgies for the repeat. through weddings/holidays and general frivolous overspending I'm in quite a bit of debt that I need to sort out. Selling the car, cancelling everything and working to a budget. My endowment policy is worth £8500 if I cash…
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Consolidation Loan Help Please
Hello everyone Im new here ;D Can I start off by saying what an amzing website this is! Thank you to Matin for setting it up and giving everyone so much invaluable info for free!! Anyway, to me, well im in a bit of a mess financially - okay a lot of a mess. I assume you want details without my giving too much unecessary…
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Need to decide
Hi There, I have quite a lot of debt and I have managed to get a re-mortgage. I have a problem because I can only get 65% of the value of my house. This leaves me slightly short of the funds I need to clear my debts. One of the debts is the Inland Revenue and I must clear this one no matter what. The other debt is owed to…
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Debt Advice
We are becoming in need of some sensible and preferably unbiased advice regarding our debts.Some 3 years ago with the help of our bank, we took out a foriegn mortgage to buy a retirement property in France.The plan is/was to use it as a holiday let until retirement and so we set up a loan to refurbish it.The costs were…
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LOAN FOR HOUSE?
hi. i dont know if anyone read my other msg today. but i want a house urgently as i'm sick of moving and renting. is it a good idea for me and my partner to get a loan for a house? we dont have any savings as were paying off the car. we wanna move asap and i'v seen houses for about 72000. any ideas????
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advice on my debts please
i would like some advice on weather you can go to prison for your debts,and which ones if you ca i have had on going trouble with paying my tv licence fine through the courts and also my council tax. so can you go to prison if you do not pay them?. any advice gratefully recieved
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Loans to Credit Cards?
Hi there, Im after some advice on what to do about my mishmash of credit cards and my car loan please. Currently I have: 1x Texaco credit card fixed at 3.2% (I think it is?) for the life of the balance. 1x Egg card which 0% for 6 months has ran out. and 1x Cahoot flexible loan at 8.8% for my car. Now...because they're all…
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bank charges
:o I have banked with First Direct for the last 6 years and have never gone overdrawn. A few months ago we came into some money and I freely admit I took my eye off the ball. I forgot to transfer some money into the First Direct account, and went over the overdraft limit for 14 days. As soon as we realised I had made a…
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A small, increasing debt - best plan?
Hi. I have a free graduate overdraft of about £1,250 which is ending this month. For the next three months I anticipate my debt increasing by £20-£40 each week, as I am doing some unpaid work experience and my part time job does not cover the bills. This will lead to a total additional debt of £240-£480. I was going to…
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Keeping the boat afloat
Our family own a motor boat, a modest sized sea going cruiser. Not a great money making project I know, but we have always had a boat and she is our third boat in 20 years of marriage. Our children have been brought up in a boating family. Our boat was built in 1986 and is the last known survivor of a once proud boatyard…
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How to Transfer Loan to Credit Card ?
Dear All, I am a student graduating this summer and I was hoping for some advice on how to handle my student loan. I currently owe £15000 to the bank payable at an interest of 1%+BLR. 1. My first question is, how do I calculate my interest rate. Taking 0.055*15000*12 doesn't seem to give me my interest per month. As the…
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Pay off which debt first?
Hi guys - some advice please... I have an Abbey loan with approx 6,900 left to pay - paying 240 per month - interest set when loan started - 6.5% which is added to the total - so would I save by paying this off first or not? Settlement amount is not much less than outstanding amount... Also have credit card with approx…
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Opinion on best unsecured loan?
Looking to borrow £6000 - £6250 as a unsecured loan with no insurance protection, looking for a fixed apr and no early repayment penalties and even the option to overpay if funds allow...any opinions would be greatly appreciated
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Card and loan payment protector
:o Can anyone help, what is is best to do?? I had been unemployed for a little while, so claimed on the above subject, and all was going well..........untill i regained unemployment after 8 months of being a lazy !!!!!!, then the job i had next didn't work out and ended up losing it and put a claim in again for the payment…
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HELPING EACHOTHER HELPING OURSELVES! EASY, L
** No Pyramid schemes please - Edited by Mod2 **
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offsetting loans
I currently have a £7000 loan with https://www.if.com and am 18 months into the loan and its nearly paid off due to overpayments etc when i could afford it, i off set the loan with £3500 savings on an apr of 8.3%, i am about to renew loan to get a new car and want to borrow £6250 but note https://www.if.com for offsetting…