-
Paying back Student Loan?
Hiya, Im a bit miffed as has not been a student now for 3 years and still havent had any student loan deductions, I have had 4 jobs since leaving uni, first one £17,000 for 6 months, then 2 jobs at £15,000 for 2 years and have just started a new one on £18,000. As mentioned I havent had any deductions made or been…
-
loan insurance
i have taken out a homeowners loan, but i would like to shop around for protected insurance, like you can for holiday insurance. can anyone driect me to a company that do loan insurance, or do you have to take out insurance with the company you got the loan from.
-
Just been approved a loan but need advice
I've been approved for a loan from Moneyback. £8000 over 4.5 years. Managed to body swerve their payment protection but the rate they are offering is 9.5%. So obviously thats a bit more than the "typical" 6.3% they advertise on their website. In practical terms it works out about £11 a month dearer than at 6.3% so am I…
-
Career Development Loan
i WANTED TO ASK YOU ABOUT CAREER DEVELOPMENT LOANS. I AM A PROFF ACTOR AND I TOOK ONE OUT IN 1998 TO FUND A PLACE AT DRAMA SCHOOL IN LONDON. IT WAS FOR A TOTAL OF £8000 WHICH I STARTED PAYING AFTER MY TRAINING. i HAD TO PAY 200 POUNDS A MONTH AFTER I COMLETED MY TRAINING. OBVIOULSY BEING A FRESH OUT OF DRAMA SCHOOL ACTOR I…
-
Northern Rock
I applied for a northern rock secured loan over 2 weeks ago now. They did credit checks, the underwriters did their thing, they DESKTOP valued my house, and then got 3 months payslips and statements. Now I hate to whinge, but i keep getting told different things on the phone. Last thursday a bloke said its done and…
-
APR on a loan with Insurance
Hi Everyone This is my first post so forgive me If I'm posting this in the wrong area. I'm trying to work out whether I would be better off transfering my loan for one with a lower APR. I'm only just taking control of my finances and to be honest I get that stressed and upset when looking at them that I can't seem to see…
-
Buy Now Pay Later!
:eek: Hi this is the first time i have posted here, but i really really REALLY need some help! I bought a HD tele on a buy now pay later scheme. Due to my fathers unexpected death, the final settlement payment was late by 3weeks. I had to travel to Canada and arrange the funeral, as well as get over this unexpected…
-
Can I (and should I) cancel this Loan?
We desperately need new windows, and on Friday night we signed up with a double glazing firm to supply them. The salesman was good, and persuaded us to take finance too (We don’t have all the money anyway), and made out that we would pay less for the Windows if we took their finance (which turned out to be by GE Capital).…
-
First Plus - about to take a loan out
I applied to my mortgage lender for an advance against my house mortgage for £10k. Unfirtunately they declined my request as I had missed a payment (unknowingly) nearly 2 years ago. Through moneysupermarket, I found first plus and they have accepted me for a loan and are riging me this afternoon with APR, repayments etc.…
-
Loan dilemma - advice needed please!!
Hello I've been a bit of a MSE lurker for a few months and decided it was about time I took the posting plunge as we could really do with some advice before DH obliterates his shining credit rating! Here goes: DH recently applied for a loan of £12k over 5 years with A&L, well given our other commitments we simply wouldn't…
-
Best unsecured loans for my credit rating?
Hi there, I have an Equifax credit rating of 404, supposedly good, and I was wondering where i'm most lost likely to get a decent unsecured loan from? Between us, my wife and I have credit card / loan debt of about £18k. This is manageable as we have reasonably good salaries, but I know we'd save a packet, and pay it off…
-
Student loans!
Do you have to have a good credit rating to get a student loan? thanks!
-
promissory note
Hello all, I am selling a car to a close family friend but don't want to end up in Judge Joe Brown and Judy. So, I wrote up a promissory note outling the terms of the agreement. The person paid all but 2500. I paid off my loan to the bank and now hold the title. So, I called DMV to see how I can put a lien on the car. They…
-
Getting out of a secured loan
Can anyone help i have a picture secured loan which is for £36,000. I thought i had taken it over over 15 years which when i spoke to the loan advisor we discussed. Anyway looked at the agreement last night to see if i could over pay and the loan in very very small print is over 25 years:mad: - at £391 on monthly…
-
Can I Get Quick Cash From Equity In House
Hi all yet another newbie who has absolutely no idea how mortgages and loans work so here is my pickle........My Girlfriend has a mortgage with northern rock which she got on a fixed rate about 2/3 months ago for 2 years at about 6.9% I think, she also has a 15,000 loan and still owes probably the same amount still and has…
-
advice on already agreed car finance
hi there im hoping someone can help me. my husband found a car he wanted at a local dealers.he payed the deposit(£1750) i think.in cash.and filled all the paperwork out etc for the car finance and gave them any documents they needed.everything was agreed,this was thursday of last week.they said he could collect the car…
-
Searches On Credit File, How Long?
Hi all, I have just got my credit file from Experian. :money: I have in the past year since 07/08/2006, had 13 Credit searches, 3 of which are from halifax which i have only applied once and they are within 3 days of one another and another company who i dont know have done a personal loan search of £505 over 42 months and…
-
No Credit History - What Now ?
Howdy guys :) Newbie here. I have just got my free online credit check with Experian this morning and it shows I have no history whatsoever. I have spent a few years outta work and havent done anything for a while, but theres just nothing on there, a few credit searches from a few years ago but thats all. Can someone give…
-
HFC false loan what can we do?
Hi there, and thanks for reading this thread , all help or comments much appreciated. about 7 yrs ago we took out a loan with Hfc bank for about £8000, which we still have the original loan agreement for. This should have settled 2 yrs ago, but when we rang (2 yrs ago) to find out how much was left to pay as we wanted to…
-
High Interest Loan
Hi all. First of all I would like to say thanks to Martin for such a great site, when bored in work I have spent hours reading every way to save money and have taken a lot of it on board. So, my predicament. Basically I started an IT training course last year with Computeach, I wanted to quit not long after as my…