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PCP deposit
Would like to take out a car on PCP from VW. Can anyone advise if i can use my 0% credit card for the deposit?
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Giving advice & Any advice from anyone would be grateful.
I’ll start by saying yes we signed for this loan but did we truly understand what we signed into, no we were desperate to keep a roof over our young children's heads. We took a £47,000 interest rate loan out OVER 16 years ago, paying back about £425 a month, we have paid back around £80,000, I contacted said company about…
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Borrowing against partner’s property?
have googled extensively on this and there is very little on it but it must be ‘a thing’ surely? is it possible to use a partners property to guarantee a loan? We live together and the house is in her name, she is not interested in taking on additional debt herself (and lending it to me) so this would be the alternative-…
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Car Finance
My friend has car finance on a car that is in the garage and needs anywhere between £2000 (to get it roadworthy enough to sell) and £4500 to get all the problems fixed. She can’t really afford either of these options . Does anyone have any suggestions for how she can come out of this with something more than a car left…
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Should I pay back my student loan?
So this is an interesting one guys and I interested to hear your opinions. I'm just trying to work out if I can save money by paying off my student loan as due to a pay increase this month and coupled with the student loan interest rate increasing next month (from 1.5% to 6.3%) for the first time I'm actually considering…
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Loan after a death
Hello, my beautiful wife passed away in October 23rd and I’m currently going thru all our stuff, it’s very hard, she has a loan with Zopa which has 2 and a half years left to run. do I have to keep on paying it? we had about £1700 in the bank in our joint account, I think she owed about 4 or 5k what is the situation…
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Is paying off my student loans at this point a bad idea?
I feel it would be good financial sense to pay off my loans, but have heard that sometimes there is no point and you can't get your money back so don't want to make a mistake. Reading all the info on this site, everything tells me I should pay them off, because I'm earning the worst amount for repayments £52,167 and will…
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should I replay my loan in full earlier?
Sorry if this will seem silly, I am not an experiment borrower I took a ball loan of £2000 in November /2021 to buy a new laptop and phone as both died in the same week and I did not have any spare cash in that month to buy straight out (not even second hand refurbished devices) - I also like the apple stuff and have used…
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car purchase
Hi Am thinking of getting a new car but need some advice car costs around £19k if take PCP monthly is 300.84 over 49 months would be able to get a loan from my bank and would it be cheaper ? any idea what repayments would be ?
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Checking yr account
Hello out there I’m looking to get a loan to put all my credit cards into one payment is it normal on apps from the App Store for the lender to ask you to let them look through yr account by you signing in and then checking transactions etc
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Please help me understand my car finance
So in January 2022 I took out cad finance to buy a car. It was only needed short term and I intended to pay it off relatively quickly. The finance was for £10,695 and I paid £12,000 deposit. The finance company front loaded the interest onto the agreement so the paperwork from them has my starting balance as £16,399.60. I…
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Elderbridge - Urgent help for vulnerable person
Hello everyone, I am writing and asking for help as I am at a complete loss at where to start or how to proceed. My nan who is a vulnerable adult who is approaching 75 asked me to check on her finances as I noticed something didn't seem right, she is working long hours and the money was going nowhere and I wanted to…
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Car Finance
Hi All, not sure if this is the right place to post this. I am just after advice while the investigation is ongoing. So I took out a car finance from a dealer 2021 for Mercedes Benz (paid deposit and been paying monthly to Motonovo). I then paid the final balance for the car this year June 2022. On Sunday I went to Land…
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Clearing debt
So I've now started working more hours and want to consolidate my credit cards as I'm expecting the letters in the door any moment to say the interest rate is going UP. I've been declined for a personal loan and the only way I can see getting a loan to sort the debt all into 1 place is by getting a secured loan. I'm not in…
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Applying for a loan with self-employed income
I’m applying for a personal loan, so obviously as part of this they ask my income. The problem is it feels like the questions are set up for employed people but I’m self employed (director of my own ltd company). When it says ‘income before tax’ if I put £49k, that assumes a take-home of about £36k but because I’ve already…
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What bank details to lenders need to be able to take money from your account?
I took out a loan but have since got a new card and my old card has been blocked... I'm not sure which bank account details to e-mail to the lenders letting them about this. Thanks.
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‘Highly likely loan’ Natwest
Natwest (who i bank and have a joint mortgage with) have advised that i am ‘highly likely’ to be offered a loan of £20k over 5 years subject to checks. I have just done the soft check for 15k over 4 years but have been declined. This will be used for home improvements. Is there a way i can see what i could be accepted for…
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Loan Repayment
Took a loan out for £11,000 with at a rate of 2.9% making the total repayable £11,842.10 Monthly repayments are - £197.37 - payment due 1st I've got the money to pay off the final settlement figure of around £9,500 Just looking for some advice on what is the best course of action?
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New car loan
Good afternoon, Me and my other half are looking to buy our first decent car, we’ve been using older cars for a while, and even through they serve there purpose well, this years MOT costs about 40% of both cars value, and generally my feeling is they’ll only get worse or go bang. I never really borrowed a large amount, nor…
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Secured loan
Hi and hope you can help. Is it possible to have an English secured loan on a Spanish property that is owned outright? It’s for debt consolidation. TIA