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Is lloyds tsb telling me the truth
I have a loan with lloyds tsb i also bank with them ,i have had the loan for 2 years it is over 5 years .I have got a letter this morning saying they need to speke with me urgently so i have rang them and they said they need to review my loan to make sure i am on the best deal. I know TSB very well they get you in to a…
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Barclays online pre-approved offers error message
Hi there, I've been on this forum for a long time but only got around to register now so this if my first post.. Hello! :T When I logged into my Barclays online internet account about a week ago or so I had pre-approved loans for up to £25k at a low 6.9%. Last Thursday I went online to get a loan for £8k to pay of some…
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Excessive interest charges for paying my loan off early?!!!!
PLEASE HELP... i've recently paid off my car loan which i had with HSBC. I paid this off early and they did give me the small amount of money back for the insurance which i'd paid to cover my loan if i was ever off work...however, for paying my loan early, they've still charged me a huge amount of interest for the full…
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Working soon, need loan to tide me over
Hi, I'm starting a job in mid-September but need some money to fill in the gap before then. As I'm technically unemployed my bank refused me a loan even though I'll be earning decent money and have all proof necessary that I'll be earning soon (contract etc.) Does anyone know where I should go to overcome this problem? Any…
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low apr credit card to pay off loan?
Hi, just wondering if it's possible to pay off a loan with one of those low % apr for the life of the balance credit cards? Or would it need to be a purchases one?
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Juggling Various Debts
Hey all, this is my first post so i would be glad of some help and advice. I have accrued approx £17,000 worth of various debts and i was wondering how to manage them to make it easiest on myself. I have the following: 61 repayments of £248 left on a loan (settlement figure £12,400 i think) £2,300 balance on my M&S card,…
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Advice on large temporary borrowing
Owing to a set of circumstances I have to pay a large sum of money but am awaiting the sale of a property. This basically means I need a loan of just over £200,000 for a short period of time (maybe up to 3-4 months). Does anybody have any suggestions on how best to handle this? Bridging loan, overdraft or any other ideas…
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&more Online
Anyone having problems trying to access their M&S &MORE credit card account online? Thanks Tonome
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Front loaded interest
i recently paid off an old loan.when i got the settlement figure it didnt come anywhere near my calculations for the amount of months i had paid. i was then told that it was a front loaded loan which means i paid all interset on the loan for first 3 years approx. the girl also said that this practace was ditched 3 months…
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Car Loan Advice, Please
Hello all, A bit of advice needed please. I purchased a second hand car 2 & 1/2 years ago from a local dealer. At the moment I owe 3 times more on it than what its worth, had a quick look on Parkers. I am halfway thru the repayments now. Not in arrears. I know that with cars on HP you can return the vehicle halfway thru…
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Personal Loan Protector Expired
In Jan 2001 I took out a loan over 10 years but in 2002 I became ill and was eventually retired from work on the grounds of ill health. My loan payments were covered by the Personal Loan Protection payments but these will be running out in Feb 2008. As I will not be returning to work the PLP will no longer cover me for any…
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Extending my loan term
Hey, I've got in a bit of moneyproblems lately so I have written a letter to my 3 lenders asking them to extend the loan term so that my payments are halved. I realize it will take longer to repay the loan but it's either that or IVA.... The unsecured loans are with NatWest, Barclays and Egg and they have £7800, £9100 and…
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loan for a car
1st post so hope this makes sense! I'm thinking of buying a car but instead of using the generous 12/13% apr offered by the car company, i want to borrow at a cheaper rate (obv). I'm only gonna borrow 5k but want to know if there's any loan companies where you can make over payments but without the penalties?? i want to…
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need a personal loan
Hi chaps, My credit is quite crap & i have been rebuilding it for about a year now, catalogue, contract phone bill, councill tax, rent etc... all paid every month on time. Thought this would have made some difference but its not. I can only seem to get hold of £300 from provident:mad: this is driving me nuts. Does anyone…
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Car Finance or Personal Loan
Hey guys, A little help needed. Got a car on finance about 2 and a half years ago. At the time we bought it my Brother asked about the termination terms and was shown a box on the initial contract, i.e. pay more than half the amount borrowed and hand it back. We are now checking the Capital Bank contract and can't find the…
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Advice Needed
Hi, i'm new to this forum. I have been trying ro get a personal loan to py off all by debts adding up to £11,000. I have been refused from 3 different loan companies, Halifax, Barclays and Mint almost 4 months ago. I have checked my credit score on experian and I have a good score although I have missed a credit card…
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I have money in my account...Is it mine!?
I hope this is the right place to post. I went to the bank the other day and discovered an extra £270 in there, which obviously is a rather nice thing but not if you have no idea where it came from. So I've been investigating it, rather than spending it. It's from RBS Credit Protection Insurance. I have home insurance but…
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Barclays Loans
:mad: :mad: My other half wanted to increase his loan with Barclays and they are offering 16% :mad: :mad:
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Bankrupt but not!!??
Hello all, I look on this site and forums for constant advice but this is my first post. Applied for a couple of loans last week and was declined. I went on both Equifax and Experian and printed off both reports for me and my wife. Everything was fine. I applied again with my bank ( RBS ) but while paying a cheque in, I…
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Welcome Finance
Just had an email from these guys advertising. Can anyone advise me on their rates as 59.5% for an unsecured loan appears to be a little high? www.welcome.co.uk Thanks