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Car allowance loan
Hello All, Here is a questi
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Need some proper advice
Hi i am having a bank with abbey from last 6 months and holding current account putting 1000 pounds by cash but from last 2 months my Salary is coming in to account as i know some bank they claim that your salary must come into your account rather then you paying in cash ..... if you want to take any advantage on that…
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Someone's taken out a loan using my address!!!!!!
Letter through door from HFC addressed to someone using our address confirming that credit facility of £1200 has been arranged Person does not live at this address but HFC bank are refusing to confirm in writing to ourselves that person will be removed from their records as living at this address because we are not the…
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£20k loan - with one applicant on benefits?
I've posted a thread in the mortgage section but it is loan/mortgage related so I thought I'd post it here too. Full thread - long! http://forums.moneysavingexpert.com/showthread.html?p=3786210#post3786210 Basically my mum has a £20k interest only mortgage at 7% variable. Myself and my brother are considering taking a loan…
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PPI With first plus
Hello Can anyone help me? After loan after loan and monthly outgoings going through the roof, my girlfriend expecting, we decided to consolodate our existing outgoings, resulting in a £45,000 loan from first plus. We were informed that we needed payment protection, and it was put to us that it was free for 1 month, then we…
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Flex-Loans - Still available?
I used to have a cahoot loan *spit* and although the interest was a little higher I liked the fact I could over pay every month. Also the interest was calculated daily not front loaded so I evenly payed off the capital. Now cahoot have dispanded, are their any other similar products with reasonable rates around? I know…
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Northern Rock Or ????????????
Was think about applying to NR for a loan of £22000 over 10 years. This will be to consolidate all my debt into one loan ie pay off all cc etc and close them down. The reason i pick NR is that i can make repayments over 10 years. I would prefer to do it without PPI but i think i will need to take the employment cover to…
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help needed for toyota finance !
sorry for the long rant!!please can somebody offer any kind of advice that may be useful. 3 years ago my dad purchased a car on finance from toyota he paid a deposit of around £3000 and from then on we piad 360.87 each month. halfway through the agreement my dad was the victim of identity fraud on his bank account -that is…
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Returning a car to Ford
Hi all i stared this somewhere else on the fourm but think it belongs here; (heven knows how you move it??) http://forums.moneysavingexpert.com/showthread.html?t=327920 Hi all, My friend (And I do me my friend) just purchased a 2002 Ford Fiesta 1.4 zetec for £5000 from Ford and because his credit rating is so bad he is…
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Enforceable loan agreement?
Bit of a technical question this one..... A friend of mine has been deceived by his former partner and ended up signing to a bank loan agreement in joint names. The bank are now persuing him as his ex had gone personally bankrupt. I know he should have read what he was signing - but that is the past. The question is, he…
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Lloyds TSB unsecured loan PPI
Has anyone actually managed to get their PPI back/ or got it cancelled from Lloyds? I'm going to try and I wanted to know if anyone's had any success?
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please help....paragon finance loan
i need some advise please... i took a loan out with paragon finance in 1996 for £10.000 over 5 years, now iwas paying the full monthly payment of around £360 a month for about the first 12 months or so then i was made redundant and so arranged with them to pay redused payments of about £130 pm. ihave been paying this…
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What is so bad about a secured loan?
We need to borrow approximately £40k for a house extension. Our choices are add more to current mortgage or a secured loan. The site says that secured loansd are "evil" why? Clydesdale (our current lender) will offer us 5.79% fixed over 5 years CapitalOne Homeowner Secured Loan 5.9% APR TIA Pat Long
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Here is a nice one......
Is anyone in a position to offer me some real hard advice on tackling the problem below? Need to get it sorted but it is not cut and dry by any means! Basically i will be a little cagey as i have been advised not to post fully on public forums due to the potential size of my claim but if anyone has any experience in the…
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Loan repayments to Father?
My Father has loaned me £42,000. We have agreed an interest rate of 5%. How do I work out the monthly interest payments? Thanks in advance. Andrew
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Loan advice sought
Hi Wonder if I can borrow some seeds of knowledge from u more clued up guys than myself here. I went into my bank today to basically test the water with regards to a loan, wanting to see how much I could get, how much it would cost etc. Now without them running the actual credit check, she put thru the figures of £4000…
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Scrimp and save OR loan??
Hi, I have been receiving email updates for a while - but this is the first time I have taken the plunge in the forums, so please be gentle!!:eek: We are having an extension built in 3 months time - it is going to cost quite a bit of money!! We are very close to having saved enough - BUT paying for it will involve wiping…
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Lightbulb moment!!!
Hi all, i have just had my lightbulb moment and am very pleased! Its taken a while but having realised owe just short of 4K to a very greedy bank it shook me into action. I have now become a fully fledged credit card tart! Just wanted to say that all the support everyone gives on here is nothing short of amazing :beer:…
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Provi... etc...etchics
Hi all I own a finance company similar to provident. Although I make a very good living out of this, I would like to ask people on this forum about the ethics of this business. I have a varying type of client; from those who blatantly don't wan't to work to those who are working on a low salary and are struggling to make…
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Debt management
:confused: HELP or ADVICE appreciatedBANKS LOSING MONEY [/B]thru IVA,s. I heard on the Radio yesterday, Banking Spokeperson meeting with Debt advisors to get around the IVA schemes etc. She said with regard to Bank Loans to speak to the lender for help in first instance. Is this a way for the lenders to get of loosing…