-
How on earth can I get a loan ...
ok so heres the deal, am living the in the UK just over a year now, I have one default on my credit file which I am about to dispute ( as I never got a warning .. just a letter from the debt collectors.. stupi people ! anyway that was all paid ) .. that was in June. I have also open up my bank accounts, credit card etc etc…
-
Loan for Recent-Graduate with Debt??
Hello, Maybe this should be in the student moneysaving thread, im unsure. My situation is that i want to go travelling & fast, before i have to settle down in a graduate job. I just finished Uni in July and decided to take a gap year before starting a serious job. I wanted to go travelling, leaving in January and returning…
-
I think im inelligable for ANY loan help
Ok heres the score Im not on the electoral role I have moved around alot due to being in the military I am currently living overseas as a permanent UK cizizen on a BFPO (british forces post offices) postcode I have a poor but improving credit history. No property to secure the loan against No UK address to use apart from…
-
Difficulties in consolidation of existing secured loan. Help appreciated.
My girlfriend currently has a property with a current value of £95,000. Her mortgage is £77,000 , a secured loan was taken out through a sub-prime lender which to settle would be £18,000, leaving no equity in the property. She has recently spoken with numerous secured lenders of which no-one can seem to help due to Loan to…
-
A question re Consumer Credit Agreements
Can any one of you knowledgable brokers tell me exactly when the limit on CCA loans was raised from £15,000 to £25,000 ? I thought it was around 1993 but I could do with a definitive answer. thanks in advance Peter
-
Car allowance loan
Hello All, Here is a questi
-
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…
-
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…
-
£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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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…
-
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?
-
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…
-
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
-
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…
-
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