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  • I need a bit of help with my personal finance situation

    hello, i currently have high levels of debt which i want to clear off but i need advice from anyone who is in my situation or have been through it. i have 2 loans and 2 heavy credit cards at the moment. hsbc- 156 pm barclaycard loans 292pm credit card 65pm credit card 40pm i would say in total i have about 21k in debt according to ...
    Posted to Loans (Forum) by Miss_red on May 16, 2009
  • Re: Gmac Car Finance

    batzy he&#39;s just proved my point for me. go onto that website and then click onto appendix 2, that link will take through to an example copy of what i said before. this is what i was on about, providing all payments up to date and u have paid half, u should have the right for a voluntary termination. TERMINATION: YOUR RIGHTS You have a ...
    Posted to Car finance (Forum) by Miss_red on March 4, 2009
  • Re: Gmac Car Finance

    batzy its up to u who u believe. u will see for yourself, look in your credit agreement and look under the terms voluntary termination, that section will tell you what you must meet to agree this arrangement with them, looks like you have been paying for the car for a while so just check, theres no harm in checking as those documents are legally ...
    Posted to Car finance (Forum) by Miss_red on March 2, 2009
  • Re: Gmac Car Finance

    im pretty sure most lenders by law have to use voluntary termination, it will state in the documents that providing such and such amount has been paid and the car is in full working order and you have kept the payments up to date you can return the vehicle and you pay no more, i have had a look at a couple of agreements, black horse finance do it ...
    Posted to Car finance (Forum) by Miss_red on March 1, 2009
  • Re: Free Mobiles 4U

    i would say never believe what they say, its all a scam, first they say come with us and we will settle the bill but then you have to pay it first? and then they denie it cause now you have a contract with 3 they dont care no more, this is why i never trust deals like cash back etc etc which is very common in contracts, learn from ur lesson i ...
    Posted to Mobile phones (Forum) by Miss_red on February 25, 2009
  • Re: remortgage advise!!!!

    im confused? you say ur mortgage is 103, and you bought this house 22k more expensive because it needs a complete modernisation? im sorry but am i getting the wrong end of the sticks, cause that looks like what you have written down
    Posted to Mortgages (Forum) by Miss_red on February 25, 2009
  • Re: So confused, please help

    very simple. there are only 2 types of internet routes 1. cable 2. through the telephone exchange which telephone line now the only people which offer cable is virgin media i believe, the connection is usually very efficient as its not done through the old fashion telephone line, it runs through a fibre optic cable, usually small village ...
    Posted to Broadband (Forum) by Miss_red on February 25, 2009
  • Re: Please Please help.....Stressed ftb

    im not expert but here is my opinion, u both are doing really well on saving. you reached 10% why not go a bit more, it will def help you in the long run! also as the current market slump i dont think u be in a favourable state to get a mortgage yet as you dont know if the market will drop a further more % then ur just losing your deposit. and ...
    Posted to Mortgages (Forum) by Miss_red on February 25, 2009
  • Re: 2 cars

    try admiral.com they are amazing, you can insure up to 4 cars with them, i did at 1 point, 2 of em was mine, 1 is brothers and the other 1 is dads. the mores you insure the more discount you get!!! do the quote online and im sure they will be the cheapest. just to say they are part of diamond, bell, gladiator, elephant hope this helps!
    Posted to Car insurance (Forum) by Miss_red on February 23, 2009
  • Re: Gmac Car Finance

    hi there as i used to underwrite some policies in car finance i know a little, you should grab your documents out and have a look to see if the agreements show any information about voluntary termination, basicly what that is providing the agreement is half way through, and you have been good with your payments then you can return the car to them ...
    Posted to Car finance (Forum) by Miss_red on February 23, 2009
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