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Found 14 results

  1. Can anyone provide a copy of the software or is someone willing to perform the calculation and provide the output ?
  2. Hi there, I have recently sold a property which was mortgaged on the well known Together product. I financial advisor advised that I delink and retain the surplus as a deposit towards the purchase of a new property (currently renting at present due to relocation). The apr on the unsecured element has jumped to over 12%. While this was not unexpected, this is a huge amount, and with the remaining term of 25 years, I will be paying in excess of £100k on an original £30k unsecured element. To me, there must be a case of mis-selling here. I know there ha
  3. I have started having a sort through old paperwork from the last 20 years, imagine my surprise about the gems one finds. My first loan was with Barclays in 1996 for £1795.44 and PPI was added, I was self employed at the time. The next loan was with Barclays in 1997 for £7273.40 and used to pay the previous balance off.... PPI added....I was still self employed Then had an egg loan in 2000 for £5831 which was used to pay off the previous balance( PPI added). The next egg loan was in 2002 for £15241.66 which was used to pay off the previous balance( PPI added). PPI settlement
  4. Hello, Sorry I know this has been covered numerous times before. I took a Cahoot FlexiLoan out in 2003 at I believe approximately 5.9% or 7.9% which then rocketed yup to 23%. I also believe that I was sold PPI with this loan. I took an initial loan out of 2500 and made my payments until 2010. I then received a letter from Moorcroft Group in 2012 collecting of this loan with interest at £4686. I have now paid the full amount off and feel that it was unfair and that ultimately due to the interest hike I was forced into Financial hardship. I defaulted in Octo
  5. First thing i have no financial problems with Vanquis. I pay my card off in full each month so pay no APR I understand the Vanquis Credit Card is designed for people with a less than a perfect credit hstory and are a major asset in positive markers with the credit agencies. To Off-Set that risk they charge 59.9% APR for which i have no objection. (Well i do, pay it or no card) When i went to their "Gold Status" for being a good boy they put my credit limit up to £2250 and further to £3000 I was assured the APR will go down to reflect my good relationship with Vanquis. I have jus
  6. hi, i've got a couple of things on buy now pay later with very. in the past i've paid them off before the interest kicks in and the others should be no different, though i do have a big one at £500 due next month. i received a letter today advising the apr will be going upto 49.9% and will apply to purchases not yet due for payment. is it contractually fair that they can increase the apr on something i bought 11 months ago when the apr was lower? thanks, kris
  7. I currently have 3 credit card debts which have been defaulted and are now with DCA's and have been paying them off to varying degrees for 5 ish years. I'm in the position where I can offer reasonable full and final settlements, so decided to send CCA requests to them all to hopefully help me with the negotiation. None of them replied within the 30 days so I stopped paying. I'm not trying to avoid paying, just negotiate a reasonable figure. I've had a response back from DLC re an MBNA card I took out in November 2002 ( I have 2 with them). This card is showing on my
  8. Mrs ICY took out a so called Flexxi loan in 2006, such a horrible system they use, knowing you will never pay the damn thing off, its just another account on your online account credited with £5000 you pay £200 a month back (they take £75 for themselves every month from this) the problem is the moneys always there and its always being used, it is such an expensive loan to use but because of the £200 going out to repay it really leaves us short it a trap. it was taken out in branch, when she went in they just asked if all circumstances were the same (she had been a cust
  9. I'm new to this site and came across it whilst trying to see what else I could do about what I see as extreme unfairness from HSBC. I have been their client for the last 9 1/2 years. I had also had an account at a young age with the old Midland bank. Through online banking I saw they were doing this amazing personal loan at 3.9% APR. Since I have a credit card with them which I must admit I am paying a very high rate (increased from 18.9% to 21.1% or around that - unsure of amounts) I thought I'd take a loan and clear off the card plus take a holiday since their low APR is for loans from
  10. Can anyone help? I have some large credit card debts on about 5 cards. I have sent a standard letter asking for a copy of the CCA and had replies back but some seem a bit dodgy. I'm no expert sp I joined the forum to see if there is any help here for me. Do I tell them that I dont think they have complied with what I asked for and put the account in dispute and pay the £10 for the SAR? Are they legally entitled to chase me for payments while the account is in dispute? I can post documents if anyone wants to have a look. Cheers
  11. Lenders have hit out at proposals in the European mortgage directive that will force lenders to provide an extra APR outlining the worst case scenario for borrowers. Under the proposals, every variable mortgage or fixed-rate deal under five years will need to include an APR that shows how the mortgage could have been affected based on interest rates over the previous five years. The aim is to make consumers better aware of the risks associated from interest rate fluctuations. The Financial Conduct Authority is expected to consult on the details of the change when the directive comes into
  12. Dear All. I hope someone can advise and help , I've had a credit card with the Co-operative a Platinum credit card fixed for 5 years at 9.9% no problem there. Then at end of term reverted to 12.9% fine now a few months later its going up to 14.9% as I hope some of you will understand I questioned this and phoned them asking why the so recent increase. The chap said Mmm well its because its automated I said well why , he went of to speak to a manager he came back saying its to do with your spending pattern and possibly credit reference. I've been with them 20 years or so have ot
  13. Hi all, I am seeking some advice about my rights regarding an hire purchase agreement with BCT. I have an HP agreement with BCT which began 01/08/07 and will end on 30/08/2012. I have never missed a payment but forsee financial problems on the horizon. My question is this; If I was to voluntarily surrender the vehicle and BCT sold the vehicle would I then be liable for the oustanding balance. Any advice on this matter, regarding HP law, would be gratley appreciated.
  14. Hi, I've copied & pasted all my transactions into a spreadsheet. However I'm now stuck with trying to find out past APRs for overdrafts. According to their website, the current EAR (which I assume is the same as APR) has been 19.89% since 2nd August 2010. The previous EAR is stated as 19.24% from 28th April 2008. I have downloaded the spreadsheet (CompoundSheet_v1.8.xls - not sure if that is the up-to-date version?) to calculate what the bank owes me. However I can't figure out which percentage to use. There is a field at the top of the sheet for the APR, however it seems that it
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