Search found 79 matches
Search found 79 matches
Page 1 of 6
- by rollercoasterride
- Sun Apr 18, 2010 1:47 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Shocked!!!
- Replies: 7
- Views: 1446
I can't believe an advert I have just seen on TV! It's for an internet company called "Quick Quid" and they offer loans to people, via the web, with no forms to fill in, with the idea that the loan gets paid on your next payday. APR???? 2356%!!!!!! Even as a short term loan, this is ridiculous! Sure...
- by rollercoasterride
- Thu Jun 04, 2009 12:25 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: 4th Year Re-mortgaging
- Replies: 53
- Views: 3929
I too am confused about this clause. Do I understand it right that if I remortgage, the creditors get any equity, my monthly payments stay the same, yet my mortgage has increased?? Surely this is only putting us back on the rocky path of debt, by increasing our mortgage payments which will still be ...
- by rollercoasterride
- Sat May 16, 2009 8:17 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Secured Loans
- Replies: 37
- Views: 4159
So Jan, do I take it from your last post you never took out any credit to pay off debt, then find yourelf in a vicious circle and having to get more credit? I don't know you or your circumstances, obviously, but you also don't know me & mine so I find it quite offensive of you to make these sweeping...
- by rollercoasterride
- Fri May 15, 2009 10:34 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Secured Loans
- Replies: 37
- Views: 4159
Choice1 i agree with you - it isn't just a case of avoiding the debt, it is, as stated in the original post, maybe reducing the extortionate interest rates charged on these loans. Yes we knew what the rate was when the loan was taken out, but when you're desparate, anything that you think will help ...
- by rollercoasterride
- Fri May 15, 2009 10:20 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Secured Loans
- Replies: 37
- Views: 4159
I too agree with what andy says, but don't you also think there is a bit of hyprocrisy on here re the taking out of loans etc then not paying it back? Is this not what IVA/Bankrupcy is???? Just a thought.
- by rollercoasterride
- Thu May 14, 2009 9:44 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Secured Loans
- Replies: 37
- Views: 4159
Thanks you two for your advise! I know morally it would be wrong, and this is one reason why I asked for some feedback on it. I got slightly suspicious when the flyer that came with it had several spelling mistakes on it - very amateurish!So think I'll give it a miss.
- by rollercoasterride
- Wed May 13, 2009 9:28 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Secured Loans
- Replies: 37
- Views: 4159
I've received a letter today, following on from a phonecall, from a company called Simply Credit Terms, offering to do us a free audit on our secured loan to see if it is unenforceable or not. What they are saying is we may be entitled to refund of excess interest, hidden charges or even a complete ...
- by rollercoasterride
- Sun Apr 12, 2009 2:40 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Annual Review
- Replies: 8
- Views: 1620
Hi - yes we've done I&E and can afford a bit extra each month, but my worry is that they will ask for it backdating to review date i.e 2 months worth of extra payment in one go plus that current months, or worse say we've defaulted cos we didn't pay the extra from the review date.
- by rollercoasterride
- Sun Apr 12, 2009 2:16 pm
- Forum: Ask IVA Forum and Industry experts
- Topic: Annual Review
- Replies: 8
- Views: 1620
Our annual review was due on 14th March (can't believe our first year has passed already!!), but as yet we haven't had anything from our IP. Is this normal? When I rang the IVA company, they said they have up to 2 months to get a report out to us. I'm worried that ifthey deide to increase our paymen...
- by rollercoasterride
- Mon Jul 28, 2008 12:13 pm
- Forum: postings for july
- Topic: Rude People
- Replies: 32
- Views: 3940
LOL!!!! [:D][:D]Is that last post from BE a freudian slip 2nd line down!!!! Is that their way of describing their employees!!!??? Gave me a great laugh for the day!!
- by rollercoasterride
- Sun Jul 13, 2008 8:20 pm
- Forum: postings for july
- Topic: personel question ?
- Replies: 36
- Views: 4049
At the end of the day, how will anybody find out how much you've got saved anyway? Or do you need to provide savings account statements as well?
- by rollercoasterride
- Thu May 01, 2008 1:17 pm
- Forum: postings for july
- Topic: Debt Free Direct
- Replies: 33
- Views: 19251
Sorry to be picky but it's a bug bear of mine - why do people put 'would of' when the correct wording is would have!! Sorry but it really winds me up!![:p]
- by rollercoasterride
- Thu May 01, 2008 1:12 pm
- Forum: postings for may
- Topic: Court Letter...out the blue!
- Replies: 9
- Views: 1619
I had a phone call two days ago from Barclaycard telling me i was 2 months in arrears with my payment. Told then actually I wan't in arrears at all as I was now in IVA. The girl looked at my notes, and said oh yes here it is, IVA accepted 14th March, but it hasn't been agreed!!!???!!! She then said ...
- by rollercoasterride
- Thu May 01, 2008 1:03 pm
- Forum: postings for may
- Topic: Time
- Replies: 12
- Views: 1757
Yeah time is wizzing by!! I'm up to my third payment already! This next 5 years can do what they like now, as I just wanted the time to fly before IVA as I was willing my loans etc to end.[:(] Now I can see light, I'm not bothered how slow time goes - the slower the better as far as I'm concerned, d...
- by rollercoasterride
- Wed Apr 30, 2008 5:48 pm
- Forum: friends corner
- Topic: Favourite Smells!
- Replies: 68
- Views: 6229
The grass outside my workplace was being cut today and I just love the smell of freshly cut grass!! Just wondered what other members favourite smells are? I also love the smell of babies after they've had a bath!!
Search found 79 matches
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