The early settlement fee on your personal and graduate loan are not likley to be more than one months interest (Check). I would transfer these two loans to a crdit card with a low life of balance rate. Say Marks & Spencer &MORE. You can pay as much as you like off each month, as long as you are paying over the minimum 3%. You may not be able ...

I found the answer to my own question. http://www.direct.gov.uk/en/MoneyTaxAndBenefits/Taxes/TaxOnSavingsAndInvestments/DG_4015739 > Tax is charged on your interest at a rate of 20% as standard > If you are a 22% tax payer, you don't need to do anything. > If you are a 0% tax payer, it is your own responsibility to fill out the forms at your ...

I am not a higher rate tax payer. My wages are small. But, the same account also receives dividend payments from my ltd company. So, it probably looks as if I am actually earning over the HRT limit to the bank.

You seem to have a good acurate estimate of what you owe. This is good You're left with £400 a month after you have paid you debts. Is this enough to pay for your rent/ food/ travel/ electric? Do you own your own home? I think you'll be able to get a loan for £20k fairly easily if you do. If you don't own property, you're not likley to get a ...

You should be able to change your price plan to something more suitable. Phone up your custmoer services and tell them you want to change you price plan. You cannot change from Orange to another provider yet. You'll have to see out your 12/18 month contract.

None of the packages you have listed are truely unlimited. they all have a Fair Use Policy that limits your use. Have you considered Vodafone?. I've not heard anything bad about them yet (they have a fair use policy as well) http://online.vodafone.co.uk/dispatch/Portal/appmanager/vodafone/wrp?_nfpb=true&_pageLabel=template11&pageID=VA_0012 I ...

How do the banks know whether or not to apply the Higher Rate of Tax (HRT) to your savings accounts? Do they ask you? Ask Revenues and Customs? I’m thinking of putting a monthly amount into a HSBC regular saver instead of my ISA (at Yorkshire BS). I’m thinking that the regular saver account will pay me a higher rate of interest even after the ...

you can go after credit card companies as well (and Loans)

Do you have accidental damage cover? If yes, and the roof was ''accidentally'' damaged you would be covered.

do you have payment protection insurance on the loan? If so, you need to cancel it first and then get them to recalculate the settlement figure. I had the same thing with Barclays, they sorted everything out (it was the payment protection insurance) after I questioned the settlement figure.