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Serious Help needed - I've been a fool !
How i wish i had visited this place earlier. I'm currently trying to get an unsecured loan in the amount of £4000 to consolidate all my credit cards over the period of 12 months. As my credit rating is a little spurious, i tried to get a loan through my workplace (High street bank) to begin with, but was declined. I opted…
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New Loan Help!
Hi Guys, Looking to borrow £10,500 have a pretty good credit history with just 1 credit card with about 3k on and a £123k mortgage with no history of missing payments etc. Im looking to get 2-3months payment holiday before the loan as well as a bit of a necessity.... Ive seen that ASDA do a 3month payment holiday but the…
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Tenant Loans
Are there any companies that aren't rip off merchants? I got approved for Yes loans, but seeing not a single good thing about them and hearing about their admin fee I don't think I'll be wasting my money on that. I need a tenant loan of £2000-3000 which I plan to pay off within 2-3 years. Has anyone seen any that aren't…
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Car Ropesession
Please can you help, I was due to have finished paying off my car on the 30/3/2007, I missed the last 3 months payment by default because I cancelled my Direct Debit and forgot to reinstate it. I only realised when someone made contact by phone to let me know, they wanted £1200 from me or my car by the following day. I had…
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Unsecured loans
Hi everybody First time poster long time listner here, anyway i was wondering if any of you lot could give me a bit of advice? I am currently trying to get a loan as i have a few debts i would like to pay off (nothing serious, more to friends who i've owed money to for ages) and also i'd like to be able to get myself a…
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Variable or fixed graduate loan?
I'm going back to uni in september to do a two year law course and have just been to the bank to sort out my loan to do so. I'm borrowing £11k over two years, which is fine, but at the question, do you want variable or fixed my response is basically 'uh?' i have no idea! the fixed rate is currently 7.65% and variable 7.5%…
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best loan to get?
[COLOR="Magenta"]hi all can anyone please advise on the best loans right now....i do unfortunately have bad credit from previous debts which i am currently paying back through Wellbeing Services (brilliant finace dealers!!!) but i would like to get totally clear and find a loan company with a low APR and as we live in…
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£20K CC debit into NR Loan?
Hi guys and gals, First post - need to get a major grip on my finances so any help very much appreciated. Basically, I have about £20K in three maxed out credit cards, plus £17K in a Sainsburys secured loan. Ouch, I know. Still, you've got to start somewhere, right? :rolleyes: My wife and I are expecting our first child in…
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PLEASE Help! Car Finance???
Hi all, Right, I have recently wanted to purchase a new car! I went to a garage that were doing the perfect car for me @ £6495! I decided that I wanted this car and we agreed that they would give me £1500 Part Ex for my old car, I would pay £500 deposit and would have £4495 balance left on finance over 4yrs with a £195…
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Last resort - took a loan out! Help please.
Went into the bank at lunch, to pay in some cheques. Guy did all that and looked at the screen and asked if I had a moment to talk to someone about the interest I was paying... Spoke to a really helpful person who pointed out the interest I was paying on my credit card debts (approx £7k at between 13 and 18%) and the…
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Approved for loan!! (I think)
Hi Money Savers I had a call from my bank Natwest today about a enquiry about a loan I made a couple of weeks ago. Think I agreed for the man to ring me in 2 weeks time once my credit report had my ex taken off it. Anyway told him that there's no way I would pass the credit check as have missed payments recently (worked it…
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Yes loans
I'm shopping around for a car loan and was turned down by Black Horse for some reason or other,then had the magical phonecall from Yes loans (mind you,this was after a text message every day from them!) Apparantly they just wanted a few more details from me to confirm the loan. Asked if they were brokers and she said they…
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PPI on Egg loan
Hi guys, I have a question that I hope someone knows the arnser. I have had a loan with egg since 2003, I have been paying ppi on that since day one. I called up today to see how much it would reduce my mounthly payment if I took that off. They said £5! to my amazment. So I left it at that, However I have now read…
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Need secured loan- Havent completed
Hi, Desperately need advice! Wont be completing until August but i need a consolidation loan of 53k or else, wont be able to afford my mortgage. The few companies I have made enquiries with have said that i need at least 3-6 months of history. Is there any way to get round this and still be able to get a good rate? Thank…
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Approved for loan!! (I think)
Please ignore posted thread twice and don't know how to get rid - please see other thread!!
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Reduced payments
Need a little advice here... At the moment I'm on a reduced payment agreement with my loan. My loan is with my bank, so the debit comes out of my current account with them. I've renewed this agreement a couple of times (every 6 months) because I can't afford to pay the full amount per month at the moment. Last time I…
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Info re 'Admin Fee' for loans
Hi, there was a post on this back in Aug 06 but feel it is worth mentioning again to try and save people some money. A lot of loan companies will charge an 'admin fee' typically £40 - £50 for a loan. What this fee actually is is a brokerage fee which means that the company that you think will give you the money are…
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welcome finance
Having taken a car from the above company in Jan im paying back 209.00 per month for a car that i feel the paayment is far too high. Having had some Financial problems in the past i contacted this company and were accepted. Having started employment in a new job i gave them my current salary slips of three months. To my…
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Northern Rock Late payment
I've had a loan with Northern Rock for a couple of years, every month on the 26th payment is taken from my bank account by direct debit. By today (29th) payment still hadn't been taken but as I didn't have enough funds in my account to cover the payment I phoned them this evening to pay using a debit card from another…
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Yes Car Credit
Hi there. I am new to the forum but am looking for a bit of advice please on a specific matter. Basically I like thousands of others have been ripped off by Yes Car Credit in more ways than I really want to bore you with at the moment. The thing is I felt that something needed to be done about this company and the…