 Has anyone been unsuccessful in claiming back their bank charges? (UK)? |
| I know a couple people who have got it all back- including one person who was refunded over £2000! I want to go for it but am paranoid about losing the small claims court fees if I don't win, ... |
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 Pay off house early or invest in the market? |
I have a 15 year mortgage which will be paid off when I am 65.
I can pay extra each month to pay it off in 10 years or should i take that money and invest in the market?
My interest rate is ... |
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 What kind of charity do you contribute to? |
No matter how big or small.
Personally, I feed the less fortunate every 3rd Thursday of the month. I donate 5% of my paycheck to different charities. I try to do what I can. I hope someone ... |
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 Is it hard to live with an annual income of 30000$ in USA? |
| I am an engineering student in Europe and i am planning to live in USA. Do you think i can live comfortably with this income? (Assuming that i have nothing in my hand at the beginning)... |
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Hello,
I am am 17, and I would like to get a few credit cards. Not to buy things, but to grow my business.
I do Search Engine Marketing, and I need all the money I can get to ... |
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| As a wife and mum I rarely buy something unless it is needed. So once a year (as I have no social life or annual holiday abroad or locally) for my birthday, I buy myself something that I want - not ... |
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| How do bankrupcy laws work really like chapter 7 and 13? Can they erase student laon debt? How long does it stay on your cerdit report for I heard like 10 years which would not be good. Any help ... |
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 I recently got scammed on a loan, and I need to get one fast! I have poor credit and I don't have a cosigner. |
| I've come to the end of my loan and I will loose my car in 4 days if I don't pay 1400! Please help me. I cannot affort to get ripped off like I did. Payday loans have failed me therefore I ... |
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 Whats the legality of signing for card payments when you are incapacitated (drunk?)? |
Question Details: my friend was out at the weekend, woke up in the morning and found that he had made payment of over £1700 in a club, which he does not recollect at all.
He phoned the club, ... |
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leah_may_h | Can someone tell me if they know anyone who can refiance a home when there is no equity in it? |
I am facing in this coming May a "dramanic" increase in my interest rate and need to refiance but do not have much equity in my house because of a house equity line of credit I have out. |
 |
 
wizjp
|
Try starting with your current lender. |
|
Nine
|
No - the whole point of refinancing is that it has to be against something which still has value. If the value of your home is already tied up against an existing line of credit then a refinancer will not touch it with a barge pole. You are simply digging yourself deeper and deeper into debt. Which is how the world has suddenly got itself into this mess. Everyone's borrowing but nobody is paying back. |
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Hoptoad City
|
the only way you will be able to refinance with no equity is if you have cash to put down as a down payment. |
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C
 |
NO! no legal finance institution would qualify you for any loan that you don't have equity on the existing house. Beware of any scam. I know for a fact the government came out with some sort of solution. That you have to apply before you became default in your payment. Or within certain days of non-payment.
A lot of big co that deal with home loan is in financial problem. Like the big name of Countrywide.
Call your mortgage company and explain to them your situation and ask for their advise. Remember you are not the only one in this situation. Beware of any scam. Anything sounds too good is NOT GOOD |
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Steve R
|
If you have 100% loan-to-value, you will not be able to refinance. Banks won't take this risk anymore. |
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Rick K
 |
check with appraiser might be worth paying 1 to find out how much equity you do have and yes you can refi without alot of equity the justification would be to get out of adjustable into a fixed rate depending on factors like credit,income etc |
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sporregar
 |
You need to have 20% equity in the home or be able to come up with that amount of money in hand when you re-fi.
I'd contact the lender you have now and see if they can do something for you because you already have an established relationship with them.
You can also check around at other lenders and see what they can do for you. |
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jjcrap27
|
Nobody does that now!! Before you end up in a worse situation contact the lenders who hold your notes and see what they'll do for you...start with the home eq because their in a lower position if you default and have more to lose... they may be willing to alter the terms... if that doesn't work, then conatct your legislative reps and start complaining... but before you consider a BK - cash-out your credit cards to the max and then contact a BK attorney before they're reported late the first time |
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kgsgolf
|
Look into Govt. assistance programs, while interest rates have dropped, lending rules have tightened.
You may be able to keep your current mortgage at your current rates, banks really do not want to foreclose.
It is unlikely you will be able to re-finance at a lower rate but try. |
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Tiffanie
|
You can if you have had the house long enough. If you owe less 10,000 then your buying balance. An certain areas qualify for government programs for you house depending on were you live. Call County Wide, I have 2 houses and they helped me very much. Just talk to them worst they can do is tell you Know. |
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janico105
 |
yes you can, we've done it |
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