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Car allowance but Bad Credit
Tried posting this once and it all went weird so this is a bit condensed sorry. Ive been offered a new job, 8k more a year then Im now on, and it should end most of my money problems. My current job provided a company car, which hit me for tax, but was fairly effortless as far as ownership went. Now, my new employer only…
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HELP!!!!! HSBC/MCS v Lemma's OH
M husband took out a loan with HSBC about 4 years ago. He defaulted on it, it went to MCS and I CCA'd it cos they said there was £20K outstanding. They sent back a perfectly drafted CCA but I was gobsmacked and very angry to see that amost £7.5K of it was a PPI loan against the principal loan. My OH was clear to me in that…
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loan for a car 17.5%
Hi Everyone, I'm wanting to get a car and have just had a quote from my bank (HSBC) for £4000. They've offered me one at 17.5% - this seems high, I've seen figures that say peoples loans are like 8% and rates like that. I've never had a loan before so I don't know if this is actually good. Can anyone advise me? thanks,…
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Early repayment of loan
Hiya my fiancee has a loan that was taken out by her sister in her sisters name and my fiancee pays her sister the amount in a standing order every month. We are wanting to clear the loan before its end date, what we want to know is will the settlement figure be smaller if we pay the loan early! thanks in advance!
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Where do we go now?????
My OH applied for a top-up on our joint loan at Nationwide this week. He was turned down. My car lease contract is up next month and we wish to buy the car - we have a settlement figure. This loan would have made us £250 per month better off as we are losing the lease payment and adding to the existing loan. Several other…
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Buisness banking advice pls help
I started a business last november and from day one business came in ,as so over the months, due to the fact it did i was a bit of a victim of my own success, I went to the ban Re cash Flow in Jan and they approved a secure overdraft and loan facility has i need to pay bills etc.I then never got good avice from the bank…
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loans for CCJ's?
I got a CCJ in 2004 and am now looking for a loan. Any ideas where I might be successful? Cheers
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loan if you have bad credit rating
does any one know of a company that may offer a unsecured loan if you have a bad credit rating... my best friend needs a loan she is unemployed but her hubby has a good job... she has tried a few in the past and been turned down and she does not want to go to shopacheck, provident etc as they are doorstep lenders who…
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Bank acting on behalf of Virgin: Advice please
Hello. I need some good legal advice from the text below: Email I sent: Dear mbna. I received a letter on the 25/07/2007 from mbna thanking me for my recent application I made for an mbna loan. I will point out that I did not apply for an mbna loan, I applied for a Virgin Loan only. If mbna holds any information on me that…
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Can we ask the bank to miss one monthly loan repayment ?
Hi .......my first post....need some advice ...bit of a pickle.......hope you can help... We have a £10,000 loan over 4 years with the ABBEY Nat. Paid 15 monthly payments on time and in full. Next month we have a 'pinch' point coming up. We have paid for a holiday some time ago, but with everything we must pay out for bill…
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Car finance wanted
We would like to raise finance to buy a new car. Any suggestions for somewhere with a low Apr. Also are there many companies that do part exchange? Thanks
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Home Equity Loan
According to the purpose of the loan, you may either opt for a home equity loan or a home equity line of credit. A home equity loan is the amount of lump sum money you get . The interest rate on a home equity loan is more than a 1st-mortgage interest rate.You can make payments on the loan once you get the loan and once you…
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Need Loan Help.
Im needing a loan of any amount, but i want it to be a loan where i dont have to pay nothing for the first 3 month or 6 month or any longer, it doesnt matter how much the loan is. And i have bed credit history, well not really bad but i need a site like this. Anyloan amount. Paynothing for 3-6month / 1year And it doesnt…
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MBNA don't play fair...
In 2003, I took out a loan with the RAC, which actually turned out to be an MBNA loan. In September 2006, when I phoned for a settlement figure, I was given an amount, which I duly sent to them by cheque. In July 2007, I received a letter from MBNA, thanking me for the cheque and telling me that I still owed them £529,…
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Ppi
Hi all, just need some quick advice. I've been trying to find a get a cheaper loan to pay off my Lloyds TSB loan which is currently about £17k @ 12.9% !! However with a credit score of around 650 I don't think I'll have much luck. I'm not interested in taking out PPI, however would I have more chance of being accepted and…
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Help/advice needed
Just had an ex girl friend call me in tears, i'll cut to the chase and save all the padding: She had a loan with a big bank about 8 or more years ago that she had decided to drop by moving away/ in with her new boyfriend (now husband). Not heard anything until today, some debt collection agency has writen her a letter…
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Northern Rock Loan Debt
I have fallen behind with my loan payments to Northern Rock. It is an unsecured loan but they have threatened to take it to court to get it secured against my house. Can they do this, anyone had this happen to them ? many thanks
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Have i been miss sold a loan
Hi im new to this forum and im seeking some advice. In december 2004 i went into my bank to borrow extra on my loan to pay off my credit card. At the time i was told this would not be a problem. The loan was re done and i began making payments. I have sine discovered that i was placed on a managed loan!! (apparentley this…
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student loan repayments before or after tax
i'm going to have to start paying back my student loan in a couple of months, does anyone know if these payments are taken before or after tax has been deducted? thanks in advance
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First Direct Personal Loan Default-HELP
HiI would be very grateful if anyone can help me with this one.I got into terrible debt when I was only 19 and was left homeless as a result.I had a 8,000 personal loan with First Direst and a 1,500 overdraft. When I was made homeless I did not inform the bank that I would be leaving the address as it happened very quickly…