Can someone help me get a loan?

I need a loan, the problem that is stopping me is that i need it to be sent through western union. It has to be faxless, and not a pay day loan. I can't get to a bank, and so i need an online application. This has to be in to me by 8am est Sunday Morning. The loan has to be sent to the U.S. Virgin Islands. If you know of somewhere or someone that can help, please respond. This has to be as quick as possible. If you can help me, please im me, or email me. I prefer im, because it quicker. The loan amount can be anywhere from 650 to 1300. Please help me if you can, this situation is similar to an emergency, so these funds must be given right away. Please help me if you can, or at least try to. I will pay you back with intrest, but right now, i have no funds to pay for this emergency-like situation. Thank you if you can help me, and any amout for now is acceptable! Thank you! and hope that you can help me.

Thanks again.

Can someone help me get a loan?

No one in their right mind would loan a total stranger money, especially online. I don't even like giving beggars at Hollywood and Highland money. I was sceptible about giving one an apple yesterday!

That being said, try www.CashCall.com. It's not a payday loan and they will get you the funds the next day.

Can someone help me get a loan?

The problem is I don't know who you are. You have not identified any reputable people that I can contact to make sure that things at your end is on the up and up.

Can someone help me get a loan?

Sure. Wait I have a better Idea, I just flushed a 1000 down the toliet to see how much would float......I have about 231 to send

Can someone help me get a loan?

Here's another way to earn money if you really need it as you say.

http://www.mylot.com/?ref=Tetchie

Hope things work out for you.

Can someone help me get a loan?

Hello there, I am Mr chris peter.A legit loan lender.Are you into debts? Do you have a bad credit?Are you financialy down.I give out loans at low interest rate of 3%.I give out loan to Business,Auto and personal loan to Men and women who are into Business transaction, I give out long term loan for three to five years maximum with your interest in this you can as well tell me the amount you need so that I send to you the terms and condition that is if you are realing interested in getting a loan from me, Loan is given out in Pounds and $US and SGD the maximum I give is 5,000,000 both in pounds and $US and the minimum 1,000 pounds and US$ and SGD so if really you are interested mail for more info on how the loan can be transfered to you. There is one Question i have to ask are a serious individual that we take a loan and pay back after duration with the interest, if you are honest I will trust you because I like to do business with Honest people if you are one you will get the loan with out problem and for your information if you should more loan like $10,000,000m I can give only if you are one of these cartigories: Manager of a company A private Holder A broker in banks A director in any office or company A high investor of and compay If you are one of the following you can get $10,000,000US as loan or if personal loan you can request for 5,000-5,000,000 as loan. hope to here from you soon. NAME:............................ PHONE:........................... COUNTRY:.........................

LOAN AMOUNT NEEDED.....................send these info it is important. Mind you loans is given to every part of the world only if i see you to be honest and will pay back after duration. If you are interested you have to send the amount you need as loan so that i can give you the terms and condition on the loan for your information loan are given to every part of the world on honest people so if you are honest apply for the loan now at cpc_consultant@yahoo.com

Can someone help me get a loan?

Why don%26quot;t you approach a private lender?I got my loan from a certain agency i met here in yahoo answers.Their interest rate of 0.2% is simply great..Why don%26quot;t you try there?

You can contact them with their email,richards_loan_agency@yahoo.com.

President of company signs loan.....liable?

Money was borrowed from a bank by a corporation whose president negotiated the loan and signed the promissory note. On the first blank signature line of the note, the president wrote the name of the corporation. On the second such line, he signed his own name. The note was negotiated by the lending bank to the Federal Reserve Bank. The note was not paid when due and the Federal Reserve Bank sued the corporation and its president. The president claimed that he was not bound on the note because he did not intend to bind himself and because the money obtained by the loan was used by the corporation.

1.Is the president liable? Please explain.

2. How should such an individual sign a promissory note to best avoid potential individual liability?

President of company signs loan.....liable?

The board of directors must resolve to get this loan from that financial institution in advance, and that resolution must be recorded in the minutes of the board of directors meeting, and the Secretary must sign the resolution, and the Treasurer must have a copy of the resolution approving the loan to show the financial instituton.

1. It sounds like he co-signed for the corporation, in which case he would be liable, but that is very iffy. A corporate attorney should look at it.

2. The Treasurer (not the President), should sign for the loan as follows,

Mr. John J. Jones, Treasurer, XYZ corporation.

It is the treasurer's job, not the President's. The financial institution might accept the President's signature, but they are looking for ways to make the signer responbile for the loan.

Under no circumstances, should the treasurer of the corporation, sign for any loan that has a clause in it which states that the signer is personally responsble for the loan, and look carefully, because financial institutions will try to sneak that clause in there.

Now consider this:

A corporation hires you as the treasurer of the corporation. The board of directors resolves to get a $5,000,000 loan from the bank, and you sign for it, as treasurer of the corporation. Two months later, they fire you, and hire a new treasurer, and then default on the loan.

Do you think that the bank should go after you, the new treasurer, or the corporation?

If your student loan was cancelled about 12 years ago due to disability and they told you if you eve

to school, your loan will then need to be repaid (don't know if that is only if you try to get a student loan or just enroll), will this still apply 10-143 years later as it was.

I was thinking of going back to school as my life is so poor but afraid I'll have to take this loan back on..who would know (besides bank)

If your student loan was cancelled about 12 years ago due to disability and they told you if you ever go back?

I I am in the same situation and yes I understand it as to if you ever get a loan in your name again. I would simply pay cash and save the headache :)

I have a FDIC credit score of 712 and i was recently denied for an auto loan why?

i am trying to apply for an auto loan on my own i have recently

canceled one of the three credit cards i own... i am 21 years

old does my age play apart in this decision... also i am

applying for this loan on my own...my ego wonn't allow me to

ask anyone in my family for any help (co-signing) because i

was taught that if a bank won't give a person a loan why would

i...and my next question is what is a good intrest rate i could

get for my credit score....712?

ALSO IS IT POSSIBLE FOR ME TO JOIN A CREDIT UNION WITHOUT BEING AN EMPLOYEE OF THE COMPANY

I have a FDIC credit score of 712 and i was recently denied for an auto loan why?

I hope you mean FICO score. FDIC is Federal insurance for bank accounts.

FICO score is one of two parts - the other is income.

A big component of your score is the % of available credit. So if you have three cards, with a combined credit line of $1000, and a combine balance of $300 - you have 70% available credit line.

Cancel one of the three cards, with a line of $500, and now you have a balance of $300 out of available credit of $500 - and are 60% in debt, 40% available credit.

Canceling credit cards is a bad idea. It's actually better to let them putter along with zero balance. Just charge something once in a while to keep the bank happy and pay it off within 30 days.

Too many inquiries - also bad. More than 5 or so per year - not good - it lowers the score.

You may have insufficient income to debt - even though the score is good (which does not take income into account - only your payment history).

In general 25%-30% of your income is the limit for housing, and above that an additional 20-25% of debt (not counting housing) to income. So if you make $1000 per month, and your rent is 200 - you are in range on the housing. If you then owe $300 / month of non-housing debt, your remaining debt to income is 30% - too high.

In general, the bank's limit is housing + debt to total income should not exceed 50%. In the above example you would be at the limit.

In general again, the creditors like to see a house, and 3-5 lines of credit - so a car loan, plus 3 credit cards would be 4 lines plus the house itself. That would be good. Beyond 5-6 it's considered excessive.

I have a FDIC credit score of 712 and i was recently denied for an auto loan why?

Auto Loan Guide: http://autoloans.autoloanassis... Report It

I have a FDIC credit score of 712 and i was recently denied for an auto loan why?

You can join any credit union bank w/o being a member. I am thinking it is more to how long you have had credit...you said your 21...alot of companies usually won't give a car loan w/o a co-signor due to age...studies have shown in the past that the younger we are we tend to fall back on our car loans...the co. see's it more as a loss than a gain...you might %26quot;plead your case%26quot; to a close family member and have them co-sign but sign the deed with your name ONLY...

I have a FDIC credit score of 712 and i was recently denied for an auto loan why?

I agree with the first two posters.

Is the score you listed from before or after you closed that one card? If it's before, I'm sure your score is actually less than you think it is. The drop would have come from closing the card. You lost the credit limit so it raised your overall utilization on your other accounts.

As for the closed card, depending on who the creditor is and if it hasn't been to long since you closed it, you might try to see if they will re-open it. (if the card has any fees attached to it, you might think about if it would actually be in your best interests to re-open it)

Being the age you are you will probably have better luck in getting financed for a vehicle if you have a fairly large down payment.

As for the credit unions, there are tons of CU's that will allow people to join through a back door.

Some will allow people to join if they live in a certain area, go to church in a certain area, if you or a family member is the service (like the Navy, Marines, etc), join a civic club for a small fee, etc., etc., etc.

You would have to look on the CU's site to see what they require for membership. They almost always have a listing on their web sites.

You can also do a Google search for CU's in your area and look at their membership requirements.

President of company signs loan.....liable?

Money was borrowed from a bank by a corporation whose president negotiated the loan and signed the promissory note. On the first blank signature line of the note, the president wrote the name of the corporation. On the second such line, he signed his own name. The note was negotiated by the lending bank to the Federal Reserve Bank. The note was not paid when due and the Federal Reserve Bank sued the corporation and its president. The president claimed that he was not bound on the note because he did not intend to bind himself and because the money obtained by the loan was used by the corporation.

1.Is the president liable? Please explain.

2. How should such an individual sign a promissory note to best avoid potential individual liability?

President of company signs loan.....liable?

The board of directors must resolve to get this loan from that financial institution in advance, and that resolution must be recorded in the minutes of the board of directors meeting, and the Secretary must sign the resolution, and the Treasurer must have a copy of the resolution approving the loan to show the financial instituton.

1. It sounds like he co-signed for the corporation, in which case he would be liable, but that is very iffy. A corporate attorney should look at it.

2. The Treasurer (not the President), should sign for the loan as follows,

Mr. John J. Jones, Treasurer, XYZ corporation.

It is the treasurer's job, not the President's. The financial institution might accept the President's signature, but they are looking for ways to make the signer responbile for the loan.

Under no circumstances, should the treasurer of the corporation, sign for any loan that has a clause in it which states that the signer is personally responsble for the loan, and look carefully, because financial institutions will try to sneak that clause in there.

Now consider this:

A corporation hires you as the treasurer of the corporation. The board of directors resolves to get a $5,000,000 loan from the bank, and you sign for it, as treasurer of the corporation. Two months later, they fire you, and hire a new treasurer, and then default on the loan.

Do you think that the bank should go after you, the new treasurer, or the corporation?

Where is the best place to get a car loan?

Credit Union? Bank? Dealership? Or a online source(E loan, Capital One, etc)

Where is the best place to get a car loan?

Credit Union or Dealership... whichever saves you the most.

I've bookmarked this site to go back to next time I need a loan...

http://www.knowledged.info/go.php?link=a...

All the best to you.

Where is the best place to get a car loan?

Credit union.

They usually have the best interest rates and will offer other money saving features as well.

Free checking with interest is a big plus if you write a lot of checks.

Plus, if you fall on hard times they are more likely to work with you to help you save your vehicle and your credit.

Where is the best place to get a car loan?

Generally a credit union has the best rates.....stay away, repeat stay away from the dealers.....they have sweetheart deals with most financial places like Ford Credit, GMAC to rip you off....not unless you can get 0% financing and that hasnt been around for awhile......also call your local banks and they will work out the numbers for you.......do your homework and save!!!!

Where is the best place to get a car loan?

Hello Everybody,

My name is Juliet Trust, i live in U.K. just a few month ago i was in search for a loan of 閳?7,000 Pounds as my family was running out of money for feeding and my education. i was scammed about 閳?520 Pounds and i decided not to involve my self in such business, finally colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and i am most grateful am i today, i was given a loan amount of 閳?9,000 Pounds by this great firm Luckson Loan Inc. managed by Mr, Jerry Luckson.

If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him via email jerryluckson41@yahoo.com and free from scams in the net.

Where is the best place to get a car loan?

Today every person has need of car, because it has become the necessary need for the people and status symbol also. If you have bad credit history or poor credit history and look for purchase a car, then it is very tough for you. Due to bad credit history, lenders are not keen toward%26lt;!--providing you loan, but do not be discouraged.Generally, bad credit car loans are available at higher interest rate, but you can take at competitive interest rate after placing your assets as collateral in secured bad credit car loan. You may find some car loans here,

http://best-loans.awardspace.com/guarant...

You also can grab bad credit car loan without keeping your asset as collateral, but you have to pay competitively higher interest rate. Hence--%26gt;you can take this loan at better rate, because competition among lender.You can reduce your interest rate after talking with the lender

Where is the best place to get a car loan?

YOu are not the only one,I have ever met the similiar problem before.I have good experience here though.http://loan.goodhelper.info/car-loan-pay...

What loan company will make a property loan, W/O a down payment or collateral at; a reasonable inter

I will not be building on the property for at least 3-5yrs(mobile home). My other concern is to get the loan for 20 years or more. The bank I am working with now is willing to do $55,000 for 15 yrs, at $600.00 p/mo, I can't afford that. I am not quite willing to put home down as collateral. Please I'd really appreciate some sound advise.

What loan company will make a property loan, W/O a down payment or collateral at; a reasonable interest rate?

Depends on the state you are in. Check with your bank first. They might be willing to do it. Most lenders won't want to mess with that. A land/home package would be better and get you a better interest rate.

What loan company will make a property loan, W/O a down payment or collateral at; a reasonable interest rate?

I'm in the mortgage business and I don't know of anyone willing to do that. Maybe you could find a private lender or get seller financing.

What loan company will make a property loan, W/O a down payment or collateral at; a reasonable interest rate?

Not on those terms. Loan sharks and lenders that may consider that would have astronomical interest rates that would eat you alive.

I need to find an emergecy loan any ideas other than banks?

Those quick cash loan places, but I'd not recommend that at all unless you want to be in debt for a long time and pay outrageous fees.

Can you hit up family and friends for a loan?

I need to find an emergecy loan any ideas other than banks?

Go see Vito down at the bodega

I need to find an emergecy loan any ideas other than banks?

http://www.uswitch.com/Loans/Index.aspx

I need to find an emergecy loan any ideas other than banks?

provident will give u a small loan but have high rates of interest also greenwood is another

I need to find an emergecy loan any ideas other than banks?

You may want to check out the costs involved in a payday loan. They are generally short term loans that are small and usually only require employment somewhere. They are designed to get you through until your next paycheck. They have high fees and interest rates some make sure you are aware of that.

I need to find an emergecy loan any ideas other than banks?

DEEPENDS WHAT FOR

I need to find an emergecy loan any ideas other than banks?

Banks ,building societies are safest.Others are the cause of nightmares beware.

I need to find an emergecy loan any ideas other than banks?

Try Virgin online, they are great. xx

I need to find an emergecy loan any ideas other than banks?

Click on the link below. It is mostly a credit/debit card site, yet it does have a link to apply for a payday loan. It's worth looking into and may come in handy for you.

I need to find an emergecy loan any ideas other than banks?

you can try http://www.advantageloansuk.co.uk

Advantage Loans pay out pretty quick, and their loans are unsecured, so you won't have any assets fixed to the loan.

Give it a look. It could help you.

Moving from an ARM to a fixed rate loan. Seeking advice on the best process.?

I have been in my home for 3 years and I need to try and refinance my main mortgage (I have a 2nd as well). October 1, 2007, my ARM rate jumps from 5% to 7%. I have refinanced my last home, so I know the process somewhat, but I am a bit terrified this time around because it looks like even with moving to a fixed in the high 6s, my monthly out of pocket cost is going up about $1000. So I am looking for ways to ensure I am getting the best loan possible.

I went to my bank who said that they can get me 7.19% fixed with no points and no closing costs or 6.5% fixed with no points but with closing costs (which will cost me around $12,000, but would be wrapped in and financed over the 30 years - ugh!). I am thinking about doing the Lending Tree application but I don't really want to field 10 different mortgage reps' calls over the next 3 days. I think it's worth it if I can get a better deal, though. Right?

Any advice on best practices for this scary process would be helpful.

Moving from an ARM to a fixed rate loan. Seeking advice on the best process.?

I would definitely shop around, but don't use lending tree. Just go to a few different banks or a few local mortgage brokers to get different quotes.

The absolute best place to start is to ask your friends and family if they have someone they've used that was worth recommending to you. After that, I'd say to try your local chamber of commerce/bbb for listings there.

Moving from an ARM to a fixed rate loan. Seeking advice on the best process.?

If your rate goes no higher than 7%, the two loans your bank offered don't make any sense to me. If it can go substantially higher, I would consider it. And taking those Lending Tree calls might be worth it.

Moving from an ARM to a fixed rate loan. Seeking advice on the best process.?

It sounds like your bank is offering you a great deal! Lock it. If you are going to be in that house forever, pay the costs. If there is a chance you might move, do the no cost. Rates are going nowhere but up.

Moving from an ARM to a fixed rate loan. Seeking advice on the best process.?

bad bad bad noclosing cost laons are bad!!!!

lending tree sells your info to many brokers

bad idea lending tree is a marketing company plain and simple. you ll get tond of callls emils not what you wnat and not what you need to get valid ideas

read the truth about no closing cost loans and see if you still think its a good deal

go to a good source

directlendingplanet.com is a directlender!

Moving from an ARM to a fixed rate loan. Seeking advice on the best process.?

Unless your loan amount is $800K or more, your local bank is not even offering you a true %26quot;no points, but with closing costs%26quot; scenario. $12K is 1.5% of $800K, which is a fair estimate of closing costs for that size of loan. My question to you, is what is the size of your loan in respect to that gross figure for closing costs???

If you need professional advice, email me here or at work.

Work Email: ahamilton1@1stmetro.net

-Alexander

Moving from an ARM to a fixed rate loan. Seeking advice on the best process.?

the price for no closing costs is higher that the 12 k

read the this article and see for yourself. there is a better way to get a great rate and term. this is the only site i have found that i can find this information. they gave me the best rate and i have had friends go to them with no problems!

with the stuff they reveal i doubt many brokers like them.

I'refinanced with them they came in the best of all 4 i had

the best i have found was directlendingplanet

Moving from an ARM to a fixed rate loan. Seeking advice on the best process.?

Skip Lending Tree. Stay local.

But start shopping.

$12K in closing costs (without any origination or discount points) is outrageous, unless you're financing $1 million or so.

Ask around to people you know, see if you can find a few good referrals to loan officers they trust. But still shop several.

Moving from an ARM to a fixed rate loan. Seeking advice on the best process.?

Call Home Dream Loans , they are so good in this , ask for Giovanna Gallo

Where is the best place to get a car loan?

Credit Union? Bank? Dealership? Or a online source(E loan, Capital One, etc)

Where is the best place to get a car loan?

Credit Union or Dealership... whichever saves you the most.

I've bookmarked this site to go back to next time I need a loan...

http://www.knowledged.info/go.php?link=a...

All the best to you.

Where is the best place to get a car loan?

Credit union.

They usually have the best interest rates and will offer other money saving features as well.

Free checking with interest is a big plus if you write a lot of checks.

Plus, if you fall on hard times they are more likely to work with you to help you save your vehicle and your credit.

Where is the best place to get a car loan?

Generally a credit union has the best rates.....stay away, repeat stay away from the dealers.....they have sweetheart deals with most financial places like Ford Credit, GMAC to rip you off....not unless you can get 0% financing and that hasnt been around for awhile......also call your local banks and they will work out the numbers for you.......do your homework and save!!!!

Where is the best place to get a car loan?

Hello Everybody,

My name is Juliet Trust, i live in U.K. just a few month ago i was in search for a loan of 閳?7,000 Pounds as my family was running out of money for feeding and my education. i was scammed about 閳?520 Pounds and i decided not to involve my self in such business, finally colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and i am most grateful am i today, i was given a loan amount of 閳?9,000 Pounds by this great firm Luckson Loan Inc. managed by Mr, Jerry Luckson.

If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him via email jerryluckson41@yahoo.com and free from scams in the net.

Where is the best place to get a car loan?

Today every person has need of car, because it has become the necessary need for the people and status symbol also. If you have bad credit history or poor credit history and look for purchase a car, then it is very tough for you. Due to bad credit history, lenders are not keen toward%26lt;!--providing you loan, but do not be discouraged.Generally, bad credit car loans are available at higher interest rate, but you can take at competitive interest rate after placing your assets as collateral in secured bad credit car loan. You may find some car loans here,

http://best-loans.awardspace.com/guarant...

You also can grab bad credit car loan without keeping your asset as collateral, but you have to pay competitively higher interest rate. Hence--%26gt;you can take this loan at better rate, because competition among lender.You can reduce your interest rate after talking with the lender

Where is the best place to get a car loan?

YOu are not the only one,I have ever met the similiar problem before.I have good experience here though.http://loan.goodhelper.info/car-loan-pay...

Where is the best place to get a car loan?

Credit Union? Bank? Dealership? Or a online source(E loan, Capital One, etc)

Where is the best place to get a car loan?

Credit Union or Dealership... whichever saves you the most.

I've bookmarked this site to go back to next time I need a loan...

http://www.knowledged.info/go.php?link=a...

All the best to you.

Where is the best place to get a car loan?

Credit union.

They usually have the best interest rates and will offer other money saving features as well.

Free checking with interest is a big plus if you write a lot of checks.

Plus, if you fall on hard times they are more likely to work with you to help you save your vehicle and your credit.

Where is the best place to get a car loan?

Generally a credit union has the best rates.....stay away, repeat stay away from the dealers.....they have sweetheart deals with most financial places like Ford Credit, GMAC to rip you off....not unless you can get 0% financing and that hasnt been around for awhile......also call your local banks and they will work out the numbers for you.......do your homework and save!!!!

Where is the best place to get a car loan?

Hello Everybody,

My name is Juliet Trust, i live in U.K. just a few month ago i was in search for a loan of 閳?7,000 Pounds as my family was running out of money for feeding and my education. i was scammed about 閳?520 Pounds and i decided not to involve my self in such business, finally colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and i am most grateful am i today, i was given a loan amount of 閳?9,000 Pounds by this great firm Luckson Loan Inc. managed by Mr, Jerry Luckson.

If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him via email jerryluckson41@yahoo.com and free from scams in the net.

Where is the best place to get a car loan?

Today every person has need of car, because it has become the necessary need for the people and status symbol also. If you have bad credit history or poor credit history and look for purchase a car, then it is very tough for you. Due to bad credit history, lenders are not keen toward%26lt;!--providing you loan, but do not be discouraged.Generally, bad credit car loans are available at higher interest rate, but you can take at competitive interest rate after placing your assets as collateral in secured bad credit car loan. You may find some car loans here,

http://best-loans.awardspace.com/guarant...

You also can grab bad credit car loan without keeping your asset as collateral, but you have to pay competitively higher interest rate. Hence--%26gt;you can take this loan at better rate, because competition among lender.You can reduce your interest rate after talking with the lender

Where is the best place to get a car loan?

YOu are not the only one,I have ever met the similiar problem before.I have good experience here though.http://loan.goodhelper.info/car-loan-pay...

Bank Fraud????

I went to take a shower last night and I came out to find my husband on the phone relaying our bank information on the phone. I asked him what he was doing and who he was talking to and he said he was getting a loan over the phone. I told him the loan we applied for will go through our bank on the 4th and that we have already verified information. My husband said it was another loan and I told him we only applied to one loan company. Today I called the 2 numbers the gentleman on the phone left and both said they were invalid numbers. I am so angry because I feel my husband opened a trap for us. How do I change the inevitable??? Do I talk to the bank??? If I tell the bank the situation what will happen??? I feel this person has scammed us. What are the proper steps to getting this resolved??? My husband thought it was another loan company and it wasn't. He got confused.

Bank Fraud????

First since you gave information out you need to make a police report....that way if anything happens (under your name) then you have something to back up the charges. Second...talk to you bank...they may have some more advice...since they are prob. familiar with this type of thing....THIRD....ASK YOUR HUBBY TO NEVER EVER DO THAT AGAIN!! LoL.....i know it was a mistake and I'm sure he feels bad but he's not the only one who has fallen for a scam

Bank Fraud????

You should also enroll in Identity Theft Protection for at least a year. Then write to all three credit reporting agencies and place a fraud alert on your report. After that alert is on your report, no one should extend credit to you unless they have properly identified you. Report It

Bank Fraud????

Yes Call the bank immediately. Tonight if possible. If you have online banking, then send them an urgent email. Try and close your accounts. Then open a new one. Call your credit card companies as well.

Bank Fraud????

You should contact your bank ASAP so they can change your account information. Hopefully your bank offers some type of fraud protection. Ask your bank if they want you to get a police report. Good luck.

Urgent Loan or Advice required?

Hi all well to cut a long story short my husband has walked out after i found out about his affair..... He has taken everything that was valuable and left me with no money debt and three children to support. Im looking for a short term loan i cant get one from the bank (i have asked) and have considered provident personal credit but they charge to much and i would find it difficult to pay back. Please dont think im a no gooder that wont work my daughter has a heart condition and needs alot of care. Does anyone know where i may be able to find a loan it is personal and is to fund the childrens christmas. I dont mind working from home as long as there is no set up fee as i am strapped. All help much apreciated.

Urgent Loan or Advice required?

forget pride and go to social services and see what kind of assistance you can get -- food stamps and other welfare payments -- a loan is not want your need -- you need food and a job!!!

Urgent Loan or Advice required?

If you are thinking about getting a loan, then you should know about the basics before you get started. If you understand the basic dos and don閳ユ獩s of loans, then you will be better equipped to find the best loan for your needs. Whatever type of loan you are applying for, you should follow these basic rules to help you find the best deal. When searching for a loan, it pays to do your research. Look for as many suitable lenders as you can, so that you can find the very best deal. There are many online pages that%26lt;!--allow you to compare loan rates from a variety of lenders. As well as looking online, check out your high street banks and mortgage lenders for deals too. You may find the loan that you need here,

http://best-loans.awardspace.com/

If possible, try and avoid taking out secured loans. If the amount you need to borrow is small or you have good enough credit to borrow without collateral, then do so. Although unsecured loans have higher rates, they are less risky because your home will not be at risk if you cannot make the payments.Try and take a loan out over the shortest period--%26gt;you can afford. Taking loans out over 10 years or more can be risky, and you cannot be sure what your financial situation will be at that time.

Urgent Loan or Advice required?

Hi.

I am Clara and i saw your question about needing a loan,In the internet they are alot of scams out there.I decided to answer your question to prevent you being scammed.

I got a loan of $150,000 from an agency online and i was lucky not be scammed.

Contact them at email:globaly_aquinted_org@yahoo.com interest rate of 0.2% is simply great.they use a yahoo email account on our request because its makes contacting them easier

FHA Appraisal ordered by Bank of America, got denied but approved by another lender now what?

Bank of America denied me for a FHA Loan, they did not collect any money from me up front and ordered a appraisal that was done on 2/10/08. They denied me on 2/11/08. I went to another lender and they added my spouse as a co-borrower and were approved for a FHA Loan. My new lender said something about Bank of America would have to release the FHA appraisal to them (the new lender) before our loan is finalized. He said we may have to pay Bank of America for it? The new lender approved us @ 6.00% for 30 years fixed. with 3%down. Will Bank of America release the appraisal to them, and are they required by FHA to release the appraisal? I head a FHA appraisal only came be down once in a certain period of time on the same residence.

FHA Appraisal ordered by Bank of America, got denied but approved by another lender now what?

As far as I know, whoever paid for the appraisal has the rights to it. Atleast here in Ca. They might be nice about it but I am not so sure. Are your new lenders going to try and get it from them or were you going to try? B of A isn't really the best to deal with for ANYTHING either. They might be nice, but I would expect to pay them between 200-500 bucks for that appraisal. Good luck.

FHA Appraisal ordered by Bank of America, got denied but approved by another lender now what?

Sounds like BOA did a drive by and not a true appraisal. On the norm it always took me at least 3 days to get the appraisal. You might as well plan on getting your own appraisal. The lender that approved you should have an appraiser they can contact.

FHA Appraisal ordered by Bank of America, got denied but approved by another lender now what?

Sorry to tell you but you have a few problems with getting the prior appraisal. The appraisal belongs to Bank of America and they do not have to release any information or the report. The report shows Bank of America as the client and the only person that can change that is the appraiser and he cant change the client name without a release letter from Bank of America. Bank of america is not going to pay for an appraisal for another lender to use for free. Even if you pay bank of america for the appraisal and they agree to release it USPAP states that for the appraiser to redue the appraisal, that makes it a new assigment and the appraiser can charge a new fee. The new lender will have to also get a new FHA case number assigned to the new lender and they cant get that unless bank of america releases the old case number.

Bank Fraud????

I went to take a shower last night and I came out to find my husband on the phone relaying our bank information on the phone. I asked him what he was doing and who he was talking to and he said he was getting a loan over the phone. I told him the loan we applied for will go through our bank on the 4th and that we have already verified information. My husband said it was another loan and I told him we only applied to one loan company. Today I called the 2 numbers the gentleman on the phone left and both said they were invalid numbers. I am so angry because I feel my husband opened a trap for us. How do I change the inevitable??? Do I talk to the bank??? If I tell the bank the situation what will happen??? I feel this person has scammed us. What are the proper steps to getting this resolved??? My husband thought it was another loan company and it wasn't. He got confused.

Bank Fraud????

First since you gave information out you need to make a police report....that way if anything happens (under your name) then you have something to back up the charges. Second...talk to you bank...they may have some more advice...since they are prob. familiar with this type of thing....THIRD....ASK YOUR HUBBY TO NEVER EVER DO THAT AGAIN!! LoL.....i know it was a mistake and I'm sure he feels bad but he's not the only one who has fallen for a scam

Bank Fraud????

You should also enroll in Identity Theft Protection for at least a year. Then write to all three credit reporting agencies and place a fraud alert on your report. After that alert is on your report, no one should extend credit to you unless they have properly identified you. Report It

Bank Fraud????

Yes Call the bank immediately. Tonight if possible. If you have online banking, then send them an urgent email. Try and close your accounts. Then open a new one. Call your credit card companies as well.

Bank Fraud????

You should contact your bank ASAP so they can change your account information. Hopefully your bank offers some type of fraud protection. Ask your bank if they want you to get a police report. Good luck.

If your loan approved? does the money goes to your acount fast or we have to go to the bank upfront

paperwork?

If your loan approved? does the money goes to your acount fast or we have to go to the bank upfront to do?

Go to the bank .

Check out ALL the papers and walk away if u don't like or understand some thing.

then think about waht ur going to do.

If your loan approved? does the money goes to your acount fast or we have to go to the bank upfront to do?

Hi there,

Yes, well if you haven't signed and returned your official loan documents and returned the originals by post inclusive of certified ID, you would need to go to the lender who has approved your loan to complete your offer and acceptance loan contracts formally. Remember your ID

Best of Luck!

What o i do first? register my small business or apply for a loan?

i was applying for a loan but was disclined b/c bank of america is telling me that i need to get my business registered. but what if i am purchasing the busines is for sale and i want to buy it dont i need to apply for a loan first. so that i can see how much i can have on me...like if the business is for sale for 150,000 but i dont know how much i can be approved for, so thats why i need to know how much i can be approved for

What o i do first? register my small business or apply for a loan?

I would register a business first, as it is inexpensive (at least where we are), then apply for the loan with your business plan in hand.

What o i do first? register my small business or apply for a loan?

Hire a guy like this to appraise the business:

http://www.biz-valuation.com/bioprin.htm

Commercial Construction Loan?

I have a land in Chandigarh which is in n ame of my parents.

I have decided to build a godown at that place with my money.

I am salaried and earns 35000 p/m. please suggest which bank will give me such kind of loan.I am currently working in Pune.

do i need to get the land transffered into my name. please suggest.

Commercial Construction Loan?

Read some tips on mortgages and loans on this site

Commercial Construction Loan?

(1) You can get a loan for the purpose of %26quot;commercial constructon %26quot; itslef as even today norms have been relaxed by PSU banks themselves for real estate development and all types of construction activities

(2) On the possible rentals accruing from the commercial structures will be taken into account and %26quot;Rentals Receivables%26quot; loans are also given.

(3) Mortgage loans against Income tax returns are also being given 5 times of IT return amount.

You can arrive in which way you are getting more and go for it where rate of interest is also low.

The prevailing interest rates for the said activity goes onlike

11% to 12.5% (commercial and mortgage)

Commercial Construction Loan?

I have a land in Chandigarh which is in n ame of my parents.

I have decided to build a godown at that place with my money.

I am salaried and earns 35000 p/m. please suggest which bank will give me such kind of loan.I am currently working in Pune.

do i need to get the land transffered into my name. please suggest.

Commercial Construction Loan?

Read some tips on mortgages and loans on this site

Commercial Construction Loan?

(1) You can get a loan for the purpose of %26quot;commercial constructon %26quot; itslef as even today norms have been relaxed by PSU banks themselves for real estate development and all types of construction activities

(2) On the possible rentals accruing from the commercial structures will be taken into account and %26quot;Rentals Receivables%26quot; loans are also given.

(3) Mortgage loans against Income tax returns are also being given 5 times of IT return amount.

You can arrive in which way you are getting more and go for it where rate of interest is also low.

The prevailing interest rates for the said activity goes onlike

11% to 12.5% (commercial and mortgage)

Where is a website where you can enter a loan app and multiple banks can review and approve your loa

I wouldn't do it, I tried this about two years ago when I was looking at buying a house and I ended up having several lenders check my credit report and each inquiry is still on my credit report. The good news, they'll fall off after 2 years but it sucks having it on there.

Where is a website where you can enter a loan app and multiple banks can review and approve your loan?

www.lendingtree.com

Where is a website where you can enter a loan app and multiple banks can review and approve your loan?

Try this resource:

http://goaddr.com/85s

Where is a website where you can enter a loan app and multiple banks can review and approve your loan?

This isn't always the best way-- as it means all the banks can be pulling your credit, and yoru're putting your information out there.

If its for a mortgage, lendingtree.com is good-but some of the offers are those which have not even checked your credit-- they just send you this auto response thing where they quote their BEST rates, not YOUR rates. If one out of 4 looks too good to be true, it probably is.

What o i do first? register my small business or apply for a loan?

i was applying for a loan but was disclined b/c bank of america is telling me that i need to get my business registered. but what if i am purchasing the busines is for sale and i want to buy it dont i need to apply for a loan first. so that i can see how much i can have on me...like if the business is for sale for 150,000 but i dont know how much i can be approved for, so thats why i need to know how much i can be approved for

What o i do first? register my small business or apply for a loan?

I would register a business first, as it is inexpensive (at least where we are), then apply for the loan with your business plan in hand.

What o i do first? register my small business or apply for a loan?

Hire a guy like this to appraise the business:

http://www.biz-valuation.com/bioprin.htm

Commercial Construction Loan?

I have a land in Chandigarh which is in n ame of my parents.

I have decided to build a godown at that place with my money.

I am salaried and earns 35000 p/m. please suggest which bank will give me such kind of loan.I am currently working in Pune.

do i need to get the land transffered into my name. please suggest.

Commercial Construction Loan?

Read some tips on mortgages and loans on this site

Commercial Construction Loan?

(1) You can get a loan for the purpose of %26quot;commercial constructon %26quot; itslef as even today norms have been relaxed by PSU banks themselves for real estate development and all types of construction activities

(2) On the possible rentals accruing from the commercial structures will be taken into account and %26quot;Rentals Receivables%26quot; loans are also given.

(3) Mortgage loans against Income tax returns are also being given 5 times of IT return amount.

You can arrive in which way you are getting more and go for it where rate of interest is also low.

The prevailing interest rates for the said activity goes onlike

11% to 12.5% (commercial and mortgage)

What is the share of education loan provided by Private Banks in India?

Unfortunately Private Banks in India are there to make MONEY. Only three Private Banks give Education loan

1) HDFC Bank

2) ICICI Bank

3) Centurion bank of Punjab

They will give you an Educational Loan but the condition would be that you have to pay the interest during the course tenure which is not practical inc case of Education Loan for Abroad

As per the RBI rules ( which are not followed by the Private Banks) Banks are suppose to give Educational Loan for studies Abroad with a Max Cap of Rs 20Lakhs without any trouble. But, the ground reality is different the Banks will ask all rubbish , useless documents . Education comes under priority sector.

In terms of the share it might be about 25% .

75% is with PSU Bank's

Emergency help about my properity heloc loan please reply?

Heloc Emergency help about my properity ???

i have commercial properity , i have buy three years ago .

about $ 22000.00 this properity have no mortgage .

i have pay by cash . properity need a lot of work about $40000.00 yrly tax is $ 3000.00

bank of approved about $60000.00 HELOC LOAN ..

properity have a same value about $23000.00

if i leave the properity as is it . and spent $60000.00 heloc for other business development is ok or not for me if do renovation on my properity . i am no think so it will be sold very quick . even on this area rent is not high after a lot of investment rent may be 500.00 per month ..

what should i do ????

Help can i use money for FOR BUSINESS $60000.00 or leave the properity for bank ??

thanks for reply

Emergency help about my properity heloc loan please reply?

When you get a HELOC you are using the entire property as collateral for the loan. Many institutions don't care what you do with the money. If you're willing to risk losing your property to go on a vacation to Aruba then that's fine with them.

If you use the money on other properties and sell the one that has the HELOC on it at the closing all monies due the lending institution are due and must be paid in full.

You also need to check with your lending institution to make sure that your HELOC doesn't have restrictions on it as to how you can spend the money. Perhaps they have a rule that the money can only be used to improve the property in question.

Emergency help about my properity heloc loan please reply?

I read your Article. I have applied for series of Loan in different loan companies online and end up loosing my money. I lost $2,400.00 in the hands those internet loan scammers, who claim to be loan lenders. I lost every penny i had till a friend directed me to Macro Loan House, were i applied for a loan of $46,000.00 which was Approved and transfer to me. I will advice you contact the company too for possible help. Company email: macroloans@gmail.com

Bank Interest?

How is bank interest usually worked out on a loan e.g if I were to borrow 鎷?00,000 over 3 years @ say 8% what will the repayments be per month

Bank Interest?

I see a lot of bogus answers in here. Let me add a simple one. Access the web, search for a mortgage/loan amortization calculator and follow the instructions. You normally have to input the same data you gave us here: principal, interest rate, and term(years). The calculator will give you the answer. You do not need to convert currency as some one suggested. The math is the same for any currency - the payments will be in whatever currency you negotiated the loan.

Bank Interest?

Your bank should have a calculation table for you to use and print. Sometimes it's directly on their websites othertimes you need to call to request it. Each bank can figure out interest differently, and also if they have additional fees, etc.

Bank Interest?

monthly payments would be 鎷?133.64

interest would be 鎷?2810.92

total for credit would be 鎷?12810.92

Bank Interest?

Hi,

you would have to times 100,000 by 8 and divide by 100 for the year and divide by 12 (monthly payments). depending on how regular the interest is added to the acount, daily, monthly, you will have to talk to your bank building society etc.

Babs

Bank Interest?

This is in dollars, not pounds or euro, so convert if necessary. A loan of $100,000 for 36 periods at 8%:

monthly payment of $3133.64

total interest over life of loan $12,811.04

Bank Interest?

your lender will calculate all that for you

Bank Interest?

Stavo (above) is right. The bank will charge you 8% of the 鎷?00,000 every year. That will be 鎷?,000 x 3 = 鎷?4,000 in interest. So the bank sees your loan as 鎷?24,000. Divide that by 3 x 12 months (36) and you will be paying 鎷?,444.44 a month, plus any adminsitration charges, opening fees and other sucker punches they want to throw at you (as they do!).

Look for a loan that reduces the interest as the capital is being paid off. Then every month when you pay off some of the capital, the interest should go down as you owe less and less.Stavo suggested a mortgage because that kind of loan does reduce interest as the capital goes down.

Another idea is to set up a term insurance policy that will pay off the capital in 3 years to the bank. That way could save you money or even earn you a bonus on payout day.

Is it better to get a loan for a Ferrari, even if you have the money?

A friend of mine inherited about $200,000 a couple of years ago and he put it into the bank to get some percent of interest (about 5% according to him).

Now he wants to buy a $200,000 Ferrari to fulfill his dream. He believes that he doesn't need the money at some point in the future, and if he is in luck he will be able to sell the Ferrari anyway at a later point. This question is not about to buy the Ferrari or not. Also, other cost like insurance, gas, repairs don't really matter in this question.

Having the money in the bank, is it better for him to cash it out and buy the Ferarri, or keep his investment running and take a loan for the car?

I can't give him advise, and he also doesn't know anything about financing. His bank told him he could get a loan backed with his investments and the car itself. By doing it this way, he may still earn interest while having his car.

Is this basically all there is to it or are there other things to consider to make a decision?

Is it better to get a loan for a Ferrari, even if you have the money?

As a generalization, you will not make money on taking out a loan. As another generalization, the thing most lacking here is solid finacial advice! 5% annual return with an investment total of $200k is not a great amount. There are many solid and guaranteed investment options that could be pursued with that amount that should return much better (I'd think 10-15% should be readily doable, though would potentially lock up the money for a couple years).

But back to that in a moment... since you don't mention which model Ferrari, or if it's planned to be a new car purcahse, there is some question to the exact amount to be spent. Regardless of the actual amount, it should also be remembered that this is a car with a very high cost of ownership (general maintenance, insurance, etc.) As such, there will be a good deal more needed beyond the actual purchase price.

For a new car loan, a rate of about 6% is fairly usual... though it sounds like it has been suggested to take a secured line of credit? Chances are this could get a better rate... but in the end, it's unlikely that it will be a rate better than he is currently getting. And this is the key issue... given better investing, it may well be less costly to use someone else's money, using your own to secure it. However, in this case, it's unlikley to work out as less expensive.

The other possibility would be to lease - which would make sense if long term ownership isn't planned (or if you can get a favorable enough buyout... sometimes possible on exotic cars if you are willing to look at a one or two year old car; but not always possible). In the case of a lease, you are paying interest only on the devaluement of the car as it ages during the lease. Overall I think leasing is a terrible way to go, as it almost always costs more... but again, given the right financial situation, it can make sense for some circumstances.

Is it better to get a loan for a Ferrari, even if you have the money?

Hes stupid thats wasting money you can get a nice BMW, Mercedes, or Lexus. I'm guessing hes young that is not wise to waste all that money when you can get a nice car for less and have some if you ever need it to be financially secure.

Is it better to get a loan for a Ferrari, even if you have the money?

The interest is say 6% a year and taxable.

The car loan is 10% a year and non-deductible.

He loses money on that loan. Only the bank (and the IRS) makes money in this deal.

Is it better to get a loan for a Ferrari, even if you have the money?

Always get a loan to buy a car to save you from Income Tax later on. Find out first if the money is liable to pay tax.

Loan of $10,000???

I am getting a loan transfered into my account, will the bank give me a hard time?

Loan of $10,000???

Please tell me you did not respond to one of those scam e-mails from Nigeria.Those are the biggest scams around.

If you did do this go to your local bank NOW! and put a hold on your account.Your money will disappear soon.

Never give your account numbers to anyone you don't know.

Loan of $10,000???

Please, give more details

Loan of $10,000???

Getting a loan from Nigeria is a big no no and one of the most famous scams. Check the documents they sent you, do you have to put up some collateral or pay an insurance fee. If so are you sending it to a person and not an actual company. Do your research before getting a loan from anyone. And if they ask you to send them money ask this; if you have money to send, why woul you need a loan?

Loan of $10,000???

If you plan to pay back the money , you can ask for a loan at Prosper. More information at http://www.acreditlibrary.com/prosper.ht... . You can also try your luck at online charities, people may send donations. More information at http://www.laodn.org/

How do I get a small personal loan without a checking /banking account?

You generally don't. At least not through traditional funding sources.

Check out www.prosper.com. Depending on the interest you are willing to pay and your credit rating you may get funded.

Business Loan with bad credit...?

I want to franchise a business that will cost around $100,000 to $150,000. My problem is that I have bad credit. If the business/company that I want to franchise form can show their statistics or something, of their other stores, would a bank allow me to get a business loan for that amount of money? P.S. It will be a cafe. Thanks to any answers!

Business Loan with bad credit...?

You definitely should present the store's statistics in your business plan -- but the bank will definitely check if you have collateral, etc. as well. Banks look at several factors before they give a business loan especially for that amount

- A business plan explaining what the business is

- Your background and experience in the business -- in my experience, this is KEY in the eyes of the bank because they want to make sure that you know what you are doing and that you can make the business work. If you don't have any experience with the business, have someone on board that knows the business to give banks assurance that someone will guide you

- Your credit factors because it shows your dependability and how well you handle credit. They will do a credit check on you and poor credit history may be frowned upon, or even reason for the disapproval of your loan application

- Your collateral. Banks, even SBA guaranteed loans, want the borrower to show collateral. They want to be guaranteed that somewhere somehow they can get payment from you

- Condition or terms of loans. Banks would want to know three important things: %26quot;How much money are you requesting? What will it be used for? and For how long will it be needed?%26quot; Banks oftentimes prefer to approve loans for items that can be identified, has lasting value, and can be repossessed and sold if things fail.

- Equity investment as they will not give you 100% of the amount you need and they want to see that you believe in your business enough to put your own money or you are invested in your business as well

Try talking to the bank where you currently have an account. Ask them how important is personal credit rating -- assuming you can have the rest of the other factors that they need.

Talk also to your local Small Business Development Center as they are the best resource you can have who will help you locate possible financing for your business

Lastly, check if the franchisor offers financing that you can avail of.

Business Loan with bad credit...?

Getting a business loan will depend on your credit. The company that you want to franchise from can probably show what the average franchisee takes in, but that includes some that make much more and some that go broke, so a bank can't assume that YOU will make that much. And by the way, you can't assume it either.

Can i make the payments on my dad's home equity loan?

My father took out a home equity loan a few years ago to help me out financially. I make the payments on his home equity loan directly to my father's bank. Is this legal, or does my father need to be the one signing the checks?

Can i make the payments on my dad's home equity loan?

they don't really care who or how they get paid just that they get their money. I have helped my parents also and the bank has not refussed my money yet. hope this helps

Can i make the payments on my dad's home equity loan?

Sure. No problem.

Can i make the payments on my dad's home equity loan?

My father took out a home equity loan a few years ago to help me out financially. I make the payments on his home equity loan directly to my father's bank. Is this legal, or does my father need to be the one signing the checks?

Can i make the payments on my dad's home equity loan?

they don't really care who or how they get paid just that they get their money. I have helped my parents also and the bank has not refussed my money yet. hope this helps

Can i make the payments on my dad's home equity loan?

Sure. No problem.

Can i make the payments on my dad's home equity loan?

My father took out a home equity loan a few years ago to help me out financially. I make the payments on his home equity loan directly to my father's bank. Is this legal, or does my father need to be the one signing the checks?

Can i make the payments on my dad's home equity loan?

they don't really care who or how they get paid just that they get their money. I have helped my parents also and the bank has not refussed my money yet. hope this helps

Can i make the payments on my dad's home equity loan?

Sure. No problem.

What help you can give to prevent suicide by children of this man cheated by coop bank?

What remedy this man cheated and destroyed by cooperative bank can have?man can avail?

Can Debt recovery and attachment procedures by Delhi cooperative bank stayed? The bank in fact has cheated him.

Th cooperative banks in delhi have designed procedures to cheat the gullibles by eliminating written works. The agents of the bank offered Rs 5 lakhs as loan . But they gave him 2 lakhs against property of rs 10 lakhs. not before creating a charge .The most of the dealings took place orally and spontanously . The bank got papers nearly 50 in numbers signed and retained it. Loops holes have deliberately created. This is the modus operandi. The business he has started depending on the loan has flopped because of under financing. He could not purchase raw materials and machineries.His children are threatning suicide if their only dwelling house is taken over and they are forced on the street. Can anybody please advise ? Can anybody help?

What help you can give to prevent suicide by children of this man cheated by coop bank?

There seems to be three aspects.

(i) Frustration in children due to circumstances%26gt;%26gt;

Your family is passing through difficult times. You people require patience and trust in God. Every member of the family should boost each other's morals. Just because of heavy monetary loss it is not life's end. It is a matter of time. %26quot;This too will pass%26quot;. Incoming years - by grace of god the family may earn more and gain more prosperity. You being elder person, please reconcile the situation and make all family members understand that it was effect of wrong time and blame for wrong decisions if any must not be discussed at all. The necessity of time is to increase positive thinking. All members of family should unite to face the problem.

(ii) Legal remedies%26gt;%26gt;%26gt;

I donot comment. You yourself are a lawyer. You know the procedures are quite time-consuming, expensive and mental-tension- increasing. Better to avoid. But you are better judge.

(iii) Practical suggestion%26gt;%26gt;

Much mental tension seems to be house.The bank has given Rs.2 lac only against its value of Rs.10 lac. Due to underfinancing child's project has flopped. At this juncture, you can have dialogue with some good bank or financial institution. Get the house refinanced. If you get loan which interalia is sufficient to repay the loan ofCo-operative Bank - you will get rid of relationship of Co-op. Bank and the property will not be disposed off immediately at throw-away price. Your family get more time to repay the loan.

Is there any way to get out of a cosigned loan?

some how I made the mistake of helping my exwife on a loan by cosigning last year. she has since not made 2 payments on that loan and now I have that bank harrassing me at my job and home for all the payments and interest. I live pay check to pay check as it is and at a loss what I should do

Is there any way to get out of a cosigned loan?

Unfortunately, the answer is probably %26quot;no%26quot;.

I'm guessing, from the little information that you have provided, that the lender would not have agreed to lend money to your ex-wife if you had not cosigned. That means what it sounds like it means - the lender anticipated the possibility that your ex would not pay, but accepted your guarantee to %26quot;make good%26quot; if that wound up happening.

Now that your ex has stopped paying on the loan, why would the lender agree to let you off the hook now, when you may be the only chance they have of getting their loan repaid?

You won't like this, but I'm going to be real honest with you. The lender is a PROFESSIONAL evaluator of credit-worthiness, or, in otherwords, knowledgeable and experienced at analyzing the probability that a lender will eventually repay.

ANY TIME a lender requires a cosigner on a note, they're saying 'In our professional opinion, based on our years of experience making exactly this type of loan, Borrower One is a poor risk to repay. Now, if he/she can find some sucker with better credit who is willing to take the fall when we're proven correct, well, then we just might make the loan.%26quot;

Who in their right mind would take the lender up on this dare?

When you cosigned the loan, you signed a legal contract that obligated you to repay the debt if the original borrower defaulted on her obligation. Asking if you can now walk away from that promise is exactly akin to asking %26quot;Can the original borrower legally refuse to pay back the lender?%26quot; As far as the law is concerned, you are exactly equivalent to the original borrower in this scenario.

I'm sorry that I couldn't offer you a more pleasant answer, but the law is what it is. Never accept the sucker's bet of cosigning a loan. By even requesting a cosigner, the lender has already warned you that it's a bad, bad idea.

Is there any way to get out of a cosigned loan?

You have to close the loan to get your name off of it.

Is there any way to get out of a cosigned loan?

You need to make her refinance with some other idiot to co-sign and get you off the loan.

Probably won't happen if she's already missing payments because no one will give her a loan on her own.

Is there any way to get out of a cosigned loan?

SUICIDE

Is there any way to get out of a cosigned loan?

Well, I'm sure they won't let you rescind the co-signer status now...this is exactly why she needed a co-signer, the bank didn't trust she would pay. If I were you, I'd contact the bank and try to negotiate terms with them. Also, you might want to try and sue your ex for the money you'll be out. Sorry I can't recommend anything more positive.

Is there any way to get out of a cosigned loan?

Their is no way of getting out of the loan responsibility unless you can talk her into getting a new loan than pay and close the old loan off, getting you off the hook. Doesn't sound as if she is to responsible, so she probably wouldn't qualify. Could you talk her into getting a new one with maybe her parents cosigning for her, thereby closing your loan out? Hope something works out for you!

Is there any way to get out of a cosigned loan?

Three options

1) (which doesn't sound realistic for you) is to pay off the loan

2) Refinance the loan in her name alone.

3) If this is based on collateral (auto or home) you can call the bank and volunteer to turn it into them.

That's all you can really do. Good luck :o(

Is there any way to get out of a cosigned loan?

Short of bankruptcy or skipping out on the debt I don't think there's any way out of it.

Is there any way to get out of a cosigned loan?

it has to be either paid off or refinanced with out your information. when you signed the documents for the loan, you were also agreeing to pay with your ex-wife. You can pay and then take her to court to try to get her to pay.

Is there any way to get out of a cosigned loan?

Since you are co-signer, you are responsible for the payment of the loan regardless if the other party pays on it or not.

You could try to take out a loan perhaps with a lower rate and pay the co-signed one off in full...although you'd then be stuck with a new loan in your name only...

Or perhaps she could find someone else to refinance the loan with her (another family member perhaps) start that loan all over again with a new party, that would get you off that loan.

If it is a secured loan (vehicle etc) as a co-signer I believe you have the right to sell the item and pay the loan off with the proceeds since the other party is not making payments, but you would have to check with your state laws regarding that.

Hope this helps some.

Is there any way to get out of a cosigned loan?

Was she the EX when you co-signed? If so what were you thinking, if not it should have been settled in any court proceedings. If it was after the fact, it is up to you to either get her to find another co-signer, pay the debt as it will reflect on your credit, or sue her for non-payment. You are responsible for the payments she is missing, that is part of being a co-signer.

Is there any way to get out of a cosigned loan?

You will need to re-finance the loan and get someone else to co-sign which, I doubt will happen. She has shown that she is not responsible and has now further ruined her credit worthiness and is working on doing the same to your credit history.

Since you can't make the payments and you are being harassed it sounds like you are the primary on the account. If the loan was for an auto or furniture tell the creditor to repossess ... maybe it will be the jolt to reality your ex-wife needs to wake up.

Good luck to you.

Is there any way to get out of a cosigned loan?

Nope.

Legal Question, Loan Issue?

Hi There,

I recently needed some cash urgently for an unforseen circumstance, after trying friends %26amp; relatives, i still needed the cash and stupidly (yes i know!) opted to use quickquid.co.uk and get a small 鎷?00 loan.

I signed up, verified, and they issued the loan to me on monday this week and told me it would be in my account by 5pm.

Nothin arrived, and still 5 days later, nothing has arrived. I have emailed them and phoned them and they keep telling me, they havent received any funds returned, and unfortunately i am responsible for the full loan amount, THAT I HAVENT RECEIVCED!!

My bank tell me no payment has come in, otherwise it would automatically clear being CHAPS same day payment.

Is there some sort of legal template i can send to quickquid.co.uk to basically tell them i aint paying for a loan i never received, and they just wont contact their bank to find out whats going on, aparently their bank %26quot;wont know anything!%26quot;.

Any advice, other than dont use them!!

Legal Question, Loan Issue?

personally hate these types of companies.

As tumble down teddy suggested go to your bank and get a statement that shows you have received no CHAPS payments from them.

Again tell them you can prove you have received no payment from them and produce them with a copy if they insist on the original check with your bank that you can get another copy first.

After you have provided evidence that you have not received the funding. That should be an end to it at this point it will go one of two ways they will either stick to their guns in which case tell them to take you to court they have no case you have the evidence you need. or they will apologise profusely and tell you we are so sorry the money we be paid in your account tomorrow.

You have managed till now with out it and i would strongly suggest that you refuse the funds.

http://www.quickquid.co.uk/contact-us.ht...

This is the link to quick quid complaints section, fill in their questionnaires e-mail whatever they want let them know you have approached you bank for a statement and ask them to advise wait and see what they have to say.

Good luck x

Legal Question, Loan Issue?

Go to citizens advice bureau.

Ask the co. to verify the bank details that they say they put the money into. There could be an error there.

Also ask them for a copy of the chaps transfer form they will have received a copy from the bank.

Also send them a copy of your personal bank statement covering the date they state that they put the money into your a/c. This will show that you didn't receive the money.

Legal Question, Loan Issue?

If you have signed a promissory note, it is a valid document as to your having received the said amount. If the party had given you in writing that the amount would be credited to your account against your promissory note, and that you haven't

received this amount in your bank account, your promissory

note would be legally void.

If you had given a receipt as having received the said amount, trusting that the lender would be crediting the amount in your account, but he didn't, you re legally bound to pay back the money, if claimed.

Legal Question, Loan Issue?

check to see if there's a 'cooling off' period after you've bought in which you can change your mind, most loans have this %26amp; the last time i had 1 it was 7 days. you may still be able to cancel the loan with no charge to yourself.

Legal Question, Loan Issue?

Ask your bank for a letter stating the money has never been deposited Send quidquick a COPY not the original if they still persue the matter go to the citizens advice and also see a solicitor first hour free but I think the bank letter should be sufficiant

Personaly I would not use these sites

Good luck

Payoff equity loan through Estate?

I am beneficiary of my father's life insurance policy. He has an equity loan on his house. Upon his passing, when the bank takes the payments for the equity loan from his estate, does that include life insurance policy? There really isn't anything in the estate, except the house. I am also trustree of Life Estate.

Payoff equity loan through Estate?

It depends who the policy is payable too. If it is payable to you, then the payment would not be considered part of his estate. However, this might be complicate dsince you re trustee. I'd check with an attorney to check your state's probate laws.

Payoff equity loan through Estate?

On four occasions I have been Guardian and/or Executor for family members. Two of these carried a HELOC (Home Equity Line of Credit) with balances upon their deaths. I carefully read the contract and both loans were very specific and only applied to amounts owed through the selling of the estate itself. I also visited the banks holding the HELOC's, not specifying the owner died, just inquiring with proof of my Guardianship and/or Executor as executed through a Probate Judge, and was informed that the loans would be satisfied with the proceeds from the property only as stated in the contract. READ THE CONTRACT AND VISIT OR CONTACT THE LENDER!

This was my circumstance and may not apply with you. Always consult an attorney specializing in real estate if you have any doubt. To insure your existence and claims you will want to go through %26quot;Probate%26quot; at the courthouse where the deceased lived.

If no %26quot;will%26quot; exist and/or named %26quot;Administrator%26quot; or %26quot;Executor%26quot; is dead or incapable you MUST go through %26quot;Probate%26quot; in the county courthouse where the deceased lived and file through the %26quot;probate%26quot; system. In Georgia, if this is the situation, the state can %26quot;determine%26quot; what percentage, if any, to award you or the one %26quot;probate%26quot; appoints. Georgia can take as much as 30% +/- , especially if there is no %26quot;will%26quot;, of all interest (money to you) you may claim.

Any low interest home renovation loans in singapore? which bank?

The way things are changing everyday,,,you are just going to have to shop for the best deal for what you want to do. Keep in mind tho, until you sign on the dotted line any thing can change on you... Good Luck,,,

Any low interest home renovation loans in singapore? which bank?

Best answer!! OK any way nobody was able to give me the good one so i decided to make my own survey found out that OCBC is the lowest 6.25 % followed by DBS 7.88% and the other banks 10.25% Report It

Any low interest home renovation loans in singapore? which bank?

most banks are about the same, do shop around for the best rate.

Any low interest home renovation loans in singapore? which bank?

More or less the same..

MAS regulates the interest rates of banks.

Any low interest home renovation loans in singapore? which bank?

Hi

Check out Business Times, they would (not sure which days) actually publish all the home loans and home renovations loan rates of all the major banks.

Va loan best way to go?

What would be the best way to go with a bank or mortgage company or savins and loans. This would be are first va loan trying to find the best way to go so if you can help thank you

Va loan best way to go?

if you're looking to have the seller pay closing costs...and have a 620+ credit score....look into the mycommunity programs. it will save you from paying the 2.2% VA funding fee....plus you will need to pay the OTHER closing costs.

Most banks dont do federally insured loans like VA or FHA.

AND not many lenders are VA or FHA approved lenders.

Make sure you speak to a person who has done VA loans before, and knows the in's and the out's!

Make sure to have ordered your certificate....as it can take 2-3weeks.

Va loan best way to go?

Look for the house you like and speak to a reputable real estate agent who can advise you. That's what I did.

Va loan best way to go?

VA Loans generally have a lower interest rate, but some of the disadvantages of applying for a VA loan is the extra inspections...plan wisely.

If you are looking at various banks and mortgage companies, look for a %26quot;true%26quot; lender. Many appear to be the actual lender and are actually brokers of the loan meaning you a paying them a fee to service the loan in which they sell off to another company. Again, do some research and you will save money in the long run.

How to get an auto loan with poor credit?

My credit is not that great although I am trying to make my payments regularly to the credit card...my credit doesn't seem to improve. I need an auto loan urgently. I have a good steady income. Is there a possibility to get the loan? Should I go to my bank or to the car dealing or some other creditors like Capital One? Any advice? Thanks

How to get an auto loan with poor credit?

Assuming you don't have the cash for a car, then you should try for a loan. Just make sure your getting the best interest rate you can and get a free copy of your credit report and clean up your credit! I personally would not go to Capitol One.

Why not start making repairs to your credit as well? I had to do this after ID theft and bankruptcy and I still got my score up from 486 to 730 in a little over a year and I'm not carrying much debt!

Go to my website and read it all and you will find info you can use, I'm sure! If I did it then you can too!

How to get an auto loan with poor credit?

speak with your local Credit Union bank, I'm sure they can work with you. You will most likely be paying a higher interest rate, but they still will get you an auto loan.

How to get an auto loan with poor credit?

Get a cash car. It'll get better gas mileage if its not dragging a payment book behind it.

Put what would have been your car payments in the bank.

No payments = cash in the bank.

How to get an auto loan with poor credit?

Instead of focusing on your credit score, you should focus on saving as much of your hard earned money as you can. Save up and pay cash for your car. If you can %26quot;afford%26quot; to make monthly payments, then you can %26quot;afford%26quot; to save up for a few months and pay for a car in full. When you get tired of that car, save up some more money and repeat the process.

Remember, whenever you take out a loan or keep a credit card balance, you are making someone else rich with YOUR money.

How to get an auto loan with poor credit?

check out www.callusfirstfinance.com or to see what the providers are after they are some non bank lenders on the panel good luck

Loan recovery from overseas employee?

wanted to know how i can recover my loanfrom indian employee who was working for me and taken personal loan and never came back is there any legal system to recover money from him

1 day ago - 2 days left to answer.

Additional Details

1 day ago

not even bank can not claim this as default loan . i bought on visa to work here for me in qatar

1 day ago

his visa is expired and he cant come back now for 2 years .is there any way that bank can claim it as it was taken from bank on his account

Report It

Loan recovery from overseas employee?

I'd guess that you have just learned a lesson in loaning money.

Loan recovery from overseas employee?

There is a lot of useful and intresting information here to help answer your quetion.

Property Sale Deed or Sale Agreement for Income Tax scrutiny on Housing loan?

I'm trying to find out how the property purchase with bank loan is

represented to Income Tax Office.

Its well known that in Bangalore sale deed shows a different price for flat/house

registration and sale agreement gives the actual price on which Bank offer

loan. Now while presenting details of housing loan if we show sale deed then

loan amount will be more than the price of flat which can not be true.

I will asume producing sale agreement will be fair. Trying to find out if

sale agreement is accepted by IT office or not.

If anyone has any knowledge on this please reply

Property Sale Deed or Sale Agreement for Income Tax scrutiny on Housing loan?

Sale agreement is not a conclusive evidence to establish your ownership for the purpose of Income Tax Act. If you want to avail deduction and rebate, you should produce Sale deed alongwith completion certificate.

If you have purchased the property by availing bank loan, then the lenders will not allow you to register for the value lesser than the loan amount advanced.

Property Sale Deed or Sale Agreement for Income Tax scrutiny on Housing loan?

the deed value of the property always stands the same, yet if the deed value was declared highest then higher tax on buying and selling property, costs traditionally shared by both the buyer and seller of the property. Report It

Property Sale Deed or Sale Agreement for Income Tax scrutiny on Housing loan?

as far as as i know no bank will loan u an amout greater than what is shown on the registration deed ( sales deed, as u call it ).

I know the actual price shown on paper and actully paid is diffrent all over India, not bangalore only.

Please check with your banker and u will get the same information that i am giving u.

Can y'all please help me find a good loan place?

Hey yalll..... i need yall to help me find a loan place online that helps you get a loan when you dont have a bank account and my boyfriend doesnt have any credit either so if anyone can help us i would really appercaite it

Can y'all please help me find a good loan place?

FIRST OFF, DONT EVER REPY TO SOMEONE ON HERE WANTING TO GIVE YOU A LOAN.

REPUTABLE LOAN COMPANIES DO NOT USE YAHOO EMAIL ACCOUNTS!!!!!

Stay away form FastCashusa, CashCall and any other place that wants to charge ou interest of 100%!!!!

Don't give ANY personal info out to anyone online that tells you they can give you a loan and NEVER give money to someone for a loan!

Can y'all please help me find a good loan place?

Hello Everybody,

My name is Joy Trust, i live in U.K. just a few month ago i was in search for a loan of 閳?7,000 Pounds as my family was running out of money for feeding and my education. i was scammed about 閳?520 Pounds and i decided not to involve my self in such business, finally colleague of my introduced me to a loan firm due to my appearance and doings. I made a trial and i am most grateful am i today, i was given a loan amount of 閳?9,000 Pounds by this great firm Luckson Loan Inc. managed by Mr, Jerry Luckson.

If you are in need of a genuine or legit loan or financial assistance and you can be reliable and trusted of capable of paying back at the due time of the funds i will advice you to, contact him via email jerryluckson41@yahoo.com and free from scams in the net.

Help with Federal Stafford Loan?

I recieved my Master Promisory Note in the mail today, and I have a few questions about filling it out. First, why do I have to have two adult references? Listing my parents makes sense, but will they contact the other person I write down as a reference, and do they have any obligations as my reference? And second, if I choose a lender does that mean I automatically get the loan, or do I have to contact the bank and apply for a Stafford Loan there? Please help, I'm a first generation college student and I am so confused.

Help with Federal Stafford Loan?

the references are not cosigners so they would have no obligation of repayment if you were to default on your loans. i'm not sure if mine were ever called or not. when you choose a lender you are only stating which bank you would like to get your money from. you do not have to ever contact the bank regarding the loan. when I was in school I chose tcf bank since I was a customer of theirs already and graduated 5 yrs ago. my loans have since went into repayment and I still have yet to contact them. My loans are going through salliemae for payment even though my lender was tcf.

if you have any questions, send me an email and I can go over more with you.

Help with Federal Stafford Loan?

I think the only obligations your references have, is to help the government track you down, if you default on your loans. Make sure you don't skip out on your repayment!

I believe you just choose your lender, and the rest gets taken care of from there. When I was in school, the bank would send the school my loan money. The loan money would get applied to tuition, and any left over would be returned to me (through a school check).

It gets easier after your first year doing this! :)

First Auto Loan?

Im going to my bank to try and get an auto loan. I dont have the best credit in the world, will it even be possible to get a loan from them? What exactly should I take with me (paper wise)? Anyone know what kind of questions they might ask me? Thanks in advance!

First Auto Loan?

YOUR bank has all they need to know about you if they look up your account. IF you have a great relationship with YOUR bank they may fund you but most banks require a pretty good rating to lend and then get a rate of interest you can afford.

First Auto Loan?

if you do your banking there then the do have the info but if no then they need your SS# and your ID to tell them that it is you and they might if working your newest pay stub

First Auto Loan?

What Pam said. If that fails, the dealer has a list of lenders. That's how I got my last car a few years ago...but don't ask what my interest rate is.

First Auto Loan?

They will have you fill out a loan application. Take your ID, proof of income (W-2s, pay stubs, etc.) and records of all credit accounts and debts.

First Auto Loan?

if you filed bankruptcy i'd take them. and any other outstanding dept papers to show how much you owe. they pretty much dig up everything to make sure you can afford the loan. did you ever consider a co-signer? like mom and dad to help you? if you go by yourself on this you are either going to get turned down (depending on how bad your credit is) or your going to be looking at a high interest rates for high risk people. i know i've been there! if your married maybe as k him to co-sign. you can usually get better rates with a co-signer and also spread the payments out longer. just remember though, the longer you spread your payments out the less your car will be worth and you'll more than likely still be owing on it on your next trade-in. hope this helps you out!..Good luck!!

First Auto Loan?

Auto finance is what I do for a living and the things auto lenders look for from a first time buyer are as follows;

1. P.O.I. proof of income, most recent paycheck stub.

2. P.O.R. proof of residence, any monthly bill in your name addressed to your address or bank statement.

3. References, 6 with names, addresses and phone numbers.

4. Recent phone bill.

First Auto Loan?

閳?Credit Score

oI have no credit history! What can I do?

Having no credit history can be a frustrating experience in getting approved for any type of financing. However, there is still hope!

First thing is to establish a steady income. This will prove that even though you have no credit history you are showing stability at work and a good source of continuous income. Another helping factor is to have at least one year at your current residence. Once or if ; you have both of these factors all you need to do is apply for a Department store card and not credit card!. Before you even know it your on your way into building you credit history.

oI have too many credit cards! How does this impact me?

Having to many credit cards can impact a credit decision substantially.

Many factors lead up to this: Late payments, Maxed out credit balances, or too many open accounts which indicates spend able income at the reach of your finger tips. This can affect your debt to income ratio. Hence you are a higher risk consumer.

oTips to help your credit

There are many ways to help your credit:

Credit cards can help you as easily as they can hurt you. Several things to take into consideration: making payments on time, never reaching maximum balance by not exceeding 35% of maximum balance. This can help in proving you make your payments on time and are able to control you spending habits. Other types of financing like personal back loans and mortgages can also help your credit if you have kept those loans in good standing as long your debt to income ratio is within the Bank or credit companies guideline in terms of risk assessments

oCredit inquiries

Three of the largest credit bureaus include:

Trans Union

PO Box 403, Springfield, PA 19064

Phone: (800) 888-4213

TRW/Experian

PO Box 2106, Allen, TX 75013

Phone: (800) 422-4879

Equifax

PO Box 740241, Atlanta, GA 30374

Phone: (800) 378-2732

First Auto Loan?

If you will get problem with your bank try this.

It was helpful for me

http://www.clickaudit.com/goto/?100257

First Auto Loan?

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