 Please Please please help!? |
| Hi there, can you please help. I live in the UK. I need a loan asap and I have a very bad credit rating. Can anyone help, I have looked around and I cant find any. Please can you help me find a loan ... |
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 How to pay off credit card? |
| How can i pay some off my Virgin credit card, when i havent recieved any letters(bill) yet with the slip at the bottom?... |
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 What is the best credit card to get when you have no credit history? |
Capital One? or AmEx?
Additional Details
What builds up your credit fast?... |
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 How to get better credit rating? |
| I've never had any credit cards, CCJ's etc., and know that I would probably improve things greatly by getting a credit card, but I don't have time. I need a loan now, so is there ANY ... |
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 Please help my wife has credit card debt problems? |
| My wife has a 13,000 debt in credit card bills. About 5 years ago i helped her pay off a 12,500 debt due to the same thing. Now im in Iraq working my *** off and i have found out that she has been ... |
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 I have many credit cards and want to destroy all but 2.? |
| My credit score is in the high 700s. How will closing the cards effect my score and for how long? The 2 cards I am going to keep are my two oldest cards.... |
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 Does anyone consider 45,000 a year poor? |
I was talking to someone one time and they though anything under 50 grand a year was doing bad. I think it's fine! Certainly not wealthy.....but middle class.
Additional Details
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 Getting a Credit Card? |
| Wheres a good place to get a credit card if you have no credit and no credit score ??ANY SITES??? Or do you know another way to build up your ... |
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 Do I have bad credit at the age of 16? |
Okay, when I was 14-15
My brothers used my social security number and I blv my name aswell to get cable, cellphones and stuff. Since they had bad credit.
And they did get those ... |
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 Will they replace a $100 khols gift card if it was thrown in the fire? |
| I got a $100 gift card from Kohls for Christmas and my mother accedentally threw it into the fire. My brother and sister also got them however they still have theirs and my question is, can we void ... |
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 Does anyone else find loan adverts really annoying eg picture? |
if I want a loan the awful ad's wont make me get a loan through them.
I'm less likely to go to Picture loans or the one with carol vorderman. I think they should spend less on ... |
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 How much interest can credit cards legally charge? |
| I am a new york state resident with a credit card that just sent me a bill with an APR of 32.24%. I am in good credit standing (make all my payments), but am carrying too much debt relative to income.... |
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 Should I cancel my Discover card? |
| I've had a Discover card for about 10 or 15 years. Back then it was one of the few cards I could get. I HATE the company. They are constantly calling me with lame offers and mailing me those ... |
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 Do we really need credit cards? |
| I'm still a minor , and I'm just curious , Dealing with credit cards ( from what i've read ) Seem's rather difficult and annoying , So do we really need credit cards now a days?<... |
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 What is the best way to go about financing a car when my credit is very average? |
| I don't want to put alot of money down and would like reasonable payments. Can I get pre-approved by my bank of 20 years? What is the best way to go about this?... |
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ev c | If you return your car to the bank do you still have to continue making payment? |
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dougzinboston
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Even though your reposession was a "voluntary reposession", depending how much you owe on the loan now, you may still be liable for some payments.
The bank will resell (typically through auction) the car and if they don't sell the vehicle for the full outstanding balance of the loan (plus fees), you will be held legally liable for the remaining balance. |
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strawberry
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Yes and if you don't it will ruin your credit for many years. Since you're going to have to pay it anyway, I would keep the car. |
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bayareart1
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as in a voluntary repo? you can stop making the payments but they will sue you for whats owed |
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beez
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Yes. The bank will sell it and you're still responsible for the balance. |
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bkbarile
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if the car is not what the note on the car is worth then yea, the bank is not going to take a loss on the car |
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heatherlynn820
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Yes, and the same payment until it's paid off. They may offer you a settlement. if you pay in a lump sum. |
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stan c
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Selling the car yourself is the best way. However, if it's not enough to pay off the note, you'll have to get a friend or relative to pay the difference because they will not release the title when there is a short payoff. |
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pcpy
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Yes, there is really no advantage in returning your car. Your credit is ruined for up to 3 years after the loan is all paid off. The bank will sell it to an auction company where it will bring in pennies on the dollar to put toward your loan and the bank's collection agency will continue to hound you until they collect the money or you drop out of sight.
This is one reason that the "credit score" is such a crock anymore. If you default in good faith (things sometimes happen) and make every effort to responsibly take care of your debts while I, on the other hand, just say to hel* with it, drive my car until they end up stealing it and then cut a deal with them to pay 50 cents on the dollar to pay of the loan. My loan will get paid off faster and my credit will be restored earlier. By being so harsh the credit agencies are screwing themselves. Keep the car, it's not illegal, and go have some fun fun fun until daddy takes your T-bird away! |
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STEVEN F
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They will sell the car wholesale. That means for about 1/3 of what you'd get selling it yourself. You will still owe the difference between your loan balance and the proceeds after they charge you for the cost of selling the car. |
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tripsnpig
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don't return the car to the bank. Try and sell the car privately for as much as you can get for it. Then give that money to the bank. My guess is that you will still owe them like 2 thou or so. |
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?
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If you can't make the payments on your car, call the bank and be honest with them, tell them that you need to talk about a possible arrangement that will allow for interest only payments for a few months until you get ahead, but if you take it back to the bacnk they will most likely sell the car for market value and charge you the difference, so you have to pay or wreck yout credit |
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zeppelingroupie
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Not unless you're trying to get it back... |
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