-
Northern Rock Loan
Hi! I applied for a Northern Rock Loan for 5k last week, being tempted by the 6.2% Typical APR.... Reason for the loan is for a new car, I have some ludicrously expensive outstanding finance on my old car which I will pay off (3k) and luckily my car doesn't seem to have lost a huge amount of value so I can sell it and get…
-
Can I get a loan that I can overpay on?
Hi, Can someone with any experience of this kind of thing help me out here. I want to get a loan for a new car. I have a good credit history so would expect to get a rate of about 6.2% Can i get a loan that will allow me to over pay when ever I want or to pay the whole lot off if I have a good month without any penalties.…
-
Northern Rock application - help asap!!!!
I am filling in the form now - my loan is to consolidate my debts - so do i need to fill in all my credit cards etc cos i am planning to use to loan to pay them off???? help please!
-
Pay Day Loans - Info please
Hi Guys, Can anyone please let me know who offers the best 'pay day' loans - I looking for a company where I can just complete over the net (no faxing forms etc etc) - No Hassle. I don't have a cheque book but do have a debit card. Thanks in advance.
-
Another Welcome Car Finance Mess
Hi all, this is with regard to my brothers car so the figures wont be 100% precise but see if anyone can help. Bought car in 2001 for approx £3500 HP. has paid about £6000 in total, but started to default last year. Asked them for a reduction in the monthly payments but apparently they fobbed him off with some excuse about…
-
Citi Finance Please Help
Hi all This is my first post on this forum so sorry if it's in the wrong place, i need help with a problem i have with Citi Finance so here is goes I sent an S.A.R - (Subject Access Request) request off to Citi Finance and sent it recorded delivery. I then: Received a letter on March 7th with my £10 cheque returned daying…
-
Welcome Finance Help!!
Hi All, Has anyone had any experiences with these people. My OH has a balance of around £1200 with them and we are looking to negotiate a settlement figure. What is the best way to go about this and what should I offer?
-
Payment Breaks
Could anyone tell me if banks allow customers to take payment breaks on personal loans? I managed to take one when I had a loan through a finance company some time ago, but I wasn't sure if banks allow them as well. I could do with taking a break for a couple of months to sort out one or two financial problems I'm having…
-
Advice Urgently needed
Hi, Advice urgently needed: I need to get a car loan (£23,000 over 5 years). I earn a decent salary and was using car and mileage allowance to pay for it. The problem I have is I have only ever kept up to-date with Equifax and I am sure that the reason I was turned down by BMW Finance was because they consulted Experian,…
-
Loans & credit searches
had excellent credit rating until i was late on a credit card a couple of times & I applied to upgrade my natwest bank account(who did a credit search) my rating has dropped from 999 to 715 (poor) I need to apply for a loan of £20k, any suggestions as surely each time they search my credit rating with plummet
-
Telephone calls from Capital Finance
I have recently had two phone calls from an Indian call centre claiming to be from Capital Finance. One call went dead immediately I asked for the source of my ex-directory information under UK data protection law. The second call I was put onto a supervisor and when I asked her for the source of my information she stated…
-
Possible way to get a Free Loan?
This process I describe below is entirely theoretical - I have not actually tried to do it! Many people make use of the interest-free period (purchases/balance transfer) on credit cards to, effectively, get a 'free loan'. But, what if you don't have a balance to transfer or you want to use a 'loan' in such a way that…
-
Demanding full payment when my car has been repossessed;First Resonse Finance Ltd
Are they allowed to do this. I bought a car through First Response Finance. I got ill and couldn't make the repayments. They took my car away but still want full payment. Is this allowed?
-
Car Loan
Hi I was wondering if anyone can help me out. I've currently got a car loan from a finance company and i'm paying 47.9% insterest!!! I didnt realise until today how much it was! I dont have a very good credit rating hence i went with first response so i could get my car, fingers crossed im selling it tonight, but i have…
-
Who is best for a loan?
I'm looking for a loan for about £15000. My credit score with experian is 875 I own my house outright no mortgage house value = £100000+ What would be the best loan for me to apply for and who would be the best company to apply to? Thanks, Lin
-
Two Months Interest on Closing HSBC loan account
Hi, I have just asked to close my personal loan account early with the HSBC but they want to charge me two months extra interest to close the account. It's a redemption fee they said I agreed to when I took out the loan online. Can I claim these charges back ?
-
long term loan on low salary
I only earn £14k and due to various problems have amassed 10k of debt on cc's. i would really like to consolidate this in a loan but don't know if I will have problems due to my lower salary. Any advice?
-
Mother with £15k on credit cards
Hi hope someone can help, My mother has £ 15k on credit cards paying £370 per month minimum payment. She has limited income her pension and needs to reduce her payments. I was thinking a loan would be best but it`s very hard to get a loan for a pensioner for £15k over 10 years, can anyone suggest whats best to…
-
Loan attached to Mortgage - what now Ive moved out?
Hi, Myself and my partner bought a house 5/6 months ago. At the time I wanted to sort out my debts to enable it to be easier for me to manage financially. Therefore, on top of our mortgage I took out a further loan that is treated as a personal loan but is linked into the mortgage with the Coventry Building Society. The…
-
full and final offers
Could anyone maybe list the companies they have been successful with in obtaining full and final settelements and the percentages they accepted, it may help the rest of us so we have an idea of how much they are likely to settle for. Each case is different I know, but it may give a bit of courage if we know that XYZ…