 EBay question? |
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 Where can I apply for a loan even though I have really bad credit.? |
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 Hiding money from my wife? |
My wife has severe spending problems. I am in the military, and she is starting her own daycare, but currently doesn't have an income.
A few months ago, I received $28,000.00 from my ... |
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| Hi, my bank charged me £25 for a standing order that was not sent out. I admit, I did make a mistake entering the date - it should have been 2 days later, but regardless, they charged me £25 for a ... |
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 Can you help me what I should buy from my christmas money? |
I received 600dollars cash during christmas holiday and I still have the cash with me, and maybe you guys can suggest what I should buy.
Thank you.
Additional Details
I have TV ... |
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 10 Points: What are all the living costs I should take in account when buying a house? |
My fiance and I want to buy a house and I am in charge of figuring the cost. I need a list of things that will be a cost to us such as water, heating, garbage.
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 If a loan company goes bankrupt do you have to pay the loan back? |
Additional Details
i was about to send them a check for the amount but i found out they went bankrupt do i have to pay it ... |
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puddy | Payment Protection for loans etc? |
I have just taken out a loan and in order to 'proceed' with the application, they have just rang me to ask some 'personal' questions. These ae basically (I discovered after answering) a way to scaremonger you into taking out payment protection, which I never take out. He may as well have presented me as just about to lose my job, die and/or be involved in an accident and get a terminal illness, all at once. For one minute I nearly wavered and took the protection.
Does anyone else ever feel like they are about to drop dead when they start going on about payment protection? |
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17pdr
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a) Dont tell them who you bank with
b) Dont tell them you have an asset
c) Try to sell the guy/gal on the phone trying to sell you something a religion - that really throws em ! |
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korcula
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As far as I am concerned these payment protection plans are a rip-off - has anyone actually been paid out on them ?
I tried once when I was off work for a long time ill and even with a Doctors note they did not pay
My sister tried to claim when she got made redundant and got no money
A friend of mine tried to claim and she did not get anything either !
They always have some excuses for not paying - this is after spending ages on completing their forms - sending proof and telling them your whole life story
I have not come across anyone yet who has actually benefitted from one of these policies - I am sure there are some who have received monies and are happy to complete all red tape and eventually get a little after paying more that they receive ! |
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the truth has set me free
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Yes. However, I've taken out really low cost with same amount of coverage protection . I researched this before I applied for a loan and when the bank asked me if I wanted their payment protection with of course, all the dire warnings, I simply told them I could get the same cover for a quarter of their price. They were quite gobsmacked! |
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Where's that pesky fraggle?
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Its such a load of bull isn't it?
"I'm not saying this will hapen to you miss x, but for your peace of mind . . . ?"
Why thank you very much for your concern kind sir but I had total peace of mind until you called and freaked me out!
My answer is usually, don't worry, I work for a local authority I get that kind of protection with my job - it usually shuts them up . . . .it's the biggest waste of money ever |
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micksmixxx
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I just throw it back in their face ... that payment protection isn't worth the paper it's printed on.
I took out a loan some years ago with payment protection, but when I became long-term ill they only paid out for a few measly months ... claiming that I had a pre-existing condition which gave them authority to cease payments. I don't doubt that I had a pre-existing condition, but neither should they as it was listed on the application form for the payment protection.
I will never again take a loan with that particular bank. They can try to sucker someone else. After all, they apply pressure just so's they can gain commission, rather than thinking about what it means for you. I suppose they're gambling that there'll never come a time when they'll need to pay out. It's the same as with insurance on virtually anything else too. |
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delete
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I just tell them i don`t want it,if they keep going on then ask for the manager to be put on.This normally solves the problem.These companies are like parasites trying to bleed more money out of you! |
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morwood_leyland
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Curly Sue is right - genuine income protection insurance is not bad value but the PPI stuff is rubbish - it rarely pays out and the seller gets 70% to 90% commission (out of your premium) so you can see what the real price should be! |
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sarah k
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No it makes me more adamant on not having it. Thing is they are only pushing it to get their commission. |
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bottle babe
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Ordinarily i'd say they are a waste of time, however I wish i had done so, when I got ill and could not keep up repayments, i would have had all £5000 circa wiped out.
PPP are therefore not without value. The company just wants to make sure it gets its money back |
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☺ CT (Original)
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Leave well alone. Don't be tempted. I never ever take out any protection whatsoever, be it a cooker, Hifi, etc. |
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