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Home improvement loans
Friday 3rd of September 2010
Resources
Six of the Best
![Home Improvement - Series 3 - Complete [DVD]](http://r.kelkoo.com/r/uk/4896423/149201/90/90/http%3A%2F%2Fecx.images-amazon.com%2Fimages%2FI%2F51B0G3GK8GL._SL160_.jpg/hHbX8ZKiKMPJzi_1xgx.NCXXr6o6NH2.nKLsI2EvraY-)
Home Improvement - Series 3 - Complete [DVD]
Release Date: 2006-01-09, Rating: Parental Guidance
Amazon Marketplace
£14.34
Release Date: 2006-01-09, Rating: Parental Guidance
Amazon Marketplace
£14.34
Home Improvement - Season 1
An immediate hit with both fans and critics, this classic family comedy earned an Emmy Award nomination for Outstanding Comedy Series in its very first series and soon found its place among the most popular and acclaimed sitcoms in television history. Tim Allen ratchets up the laughs as Tim The Toolman Taylor
Lovefilm
£8.93
An immediate hit with both fans and critics, this classic family comedy earned an Emmy Award nomination for Outstanding Comedy Series in its very first series and soon found its place among the most popular and acclaimed sitcoms in television history. Tim Allen ratchets up the laughs as Tim The Toolman Taylor
Lovefilm
£8.93
Six of the Best
Weider Pro 5500 Home System Multi Gym
main features of the weider pro 5500 home use multi gym system precision bearing pulley improvement of the pulleyfluidity butterfly station comfortable padded horizontal butterfly arms leg developer padded 4 foam station isolates quads and hamstrings for leg extensions and curls arm press to workout chest and
eBay.co.uk
£499.00
main features of the weider pro 5500 home use multi gym system precision bearing pulley improvement of the pulleyfluidity butterfly station comfortable padded horizontal butterfly arms leg developer padded 4 foam station isolates quads and hamstrings for leg extensions and curls arm press to workout chest and
eBay.co.uk
£499.00
Questions & Answers
Q. Question?
debt consolidation ? car ? home improvements ?
A. Best Answer: The best thing - the truth!!
Q. Question? I'm thinking of renovating my house and am wondering what would be my best option to gain funds to do the work.My mortgage company do advances on mortgage that you pay off over the remaining time that would be twenty years.Would it be a good idea to do this or would I be better getting a separate home improvement loan from another company.
A. Best Answer: Do you need the space? If not, hold off. You don't want to take on additional debt at this point if you can avoid it. If you have to renovate because you really need the space, or to fix problems with the basement, then your best bet is to put your savings in a CD and get a secured loan (lowest interest rate, easiest loan to obtain now). Or get a second loan for a much shorter term than re-jiggering the mortgage for a 20-year term. That, too, will cost you less in the long run. For such a small amount, you probably shouldn't go more than 3 - 5 years.
Q. Question? About 6 months ago I was refused a loan for £20000 for home improvement so I went to check my credit score on CreditExpert.co.uk and it was 439 putting me in "Very Poor" category well I have checked my score today and it is know 999 yes 999 the highest it can go and puts me in "Excellent" category. The question is if I apply for a loan with a bank am I guaranteed it won't be refused this time I have never missed a payment also I have 3 credit cards but the outstanding balance on all 3 have been paid off this is the reason why it's 999 I guess.
A. Best Answer: You might be refused it - the banks check the credit scores and for a large amount do some other checks as well (for example they take your income into account, no good borrowing what you will never earn in your life for example). All you can do is get the plans drawn up, get planning permission and ask for the loan
Q. Question? Ok about 5 months ago I wanted to burrow a loan for Home Improvement about £15000 I was rejected by the bank I was told it's because of the credit check don't have a good score so i went online at creditexpert.co.uk and checked my credit report then checked the credit score and it was in "Very Poor" category score was 413 But the thing is I never missed a payment I have 3 credit cards but I do pay minimum every month in total I had £1200 outstanding on the credit cards so i start paying extra every month on top of the minimum that was already been taken out of my bank and after 5 months I have £500 outstanding and my Current score is 814 :) and puts me in a "Fair" category the thing is can i apply for the loan know but I did want more this time £25000 or shall I wait 1 more month as am thinking of paying of the full outstanding balance £500 next month I mean am sure that will put me defiantly in "Good" category if not "Excellent"
A. Best Answer: credit-report-free.totalh.com - try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.
Q. Question? NO BROKERS, NO UPFRONT FEES, NO SCAMS.
I have a low credit score as i do not have much credit now but a few years ago i fell behind with stuff as i think its left a bit of a mark. I need £1000 loan for home improvements i do not own a house i live at home with parents.
Can anyone suggest some realistic options i work full time and i am able to afford repayments as i do not have any other outgoings.
Please do not send me spam or things like yes loans which i believe to be a con, i do not have a guarantor.
A. Best Answer: Most loan sites on the net are scams.
They charge you upfront fees - then simply turn you down for bad credit.
Try your local banks - that's the best you can do.
/
Q. Question? I am looking at getting a loan of £5000 for home improvements and have been refused. I'm 22, I live with my partner and her 3 children. I have a good job and have an income of £33,000 a year. I only have £800 per month outgoing. I have a store card but my credit rating is good and I have never had bad credit. Does anybody know why I can't get one?
A. Best Answer: Uk answer: You don't say in your question who you applied to - if you have applied more than once then this might have a bearing on how banks perceive you as a risk, given that each will record a search. Whilst your credit information might be clean, all banks use a form of credit scoring which will take into account things such as your age, length of time at address, length of time in current employment, etc. I'm afraid at 22 it is likely that you haven't been at the address long enough or in your current job long enough for the bank to attribute many points to the "score". That probably doesn't seem very fair - and indeed banks have increased the threshold scores for all loan products over the past year. Worse still, some high street banks who are accepting loan customers are charging 21%, which against a base rate sub-1% looks to be far too high.
You could try Zopa - http://redo.me.uk/zopa which is a UK company that matches borrowers with savers meaning both sides get good rates, and the banks are side-stepped altogether. They still make credit checks, however they actually check each application using a real person.
Whatever you do, steer clear of companies that promise or guarantee you a loan but require a fee upfront for doing so. What they will actually offer you is an unsuitable loan (high interest rate, guarantors required, etc) or no loan at all. One thing's for sure - you won't see that fee again!
Q. Question? Been authorised a loan for Home Improvements but now wish to use the money to buy and investment flat, i intend to rent out is this ok?? Do i have to tell the lender ?? in UK!!
A. Best Answer: It's quite unusual to specify what the loan is to be used for, UNLESS it will add to the lenders 'security' in some way .. so I ASSUME that the lender has agreed to lend against the FUTURE value of your house, AFTER THE IMPROVEMENTS ????
If so, you have a problem :-)
Q. Question? IN the last 5 years i have had 3 credit cards,a store car a £2000 loan, an overdraft of
£1500 which hasn't been used for 18 months, and regular bills i.e sky, mobile.
i have never missed a credit card payment,loan, or any other. in the last year i have finished paying my loan, and payed off all 3 credit cards! last week My girlfriend and myself have just purchased a house with the help of some inheritence, ( £40000 deposit on a £160,000 house) when i applied for a loan of £8000 for home improvement i was turned down flat (not even offered a higher interest rate) and now i have been turned down for finance at Harveys furniture store?!?! I am in full time employment and my incomings do and will exceed my outgoings! i really do not understand why i suddenly won't be touched by lenders? any help would really be a help to this confused 25yr old man! thanks
So in my opinion seeing as the lenders were willing to give me a loan and 3 credit cards in the first place, and i have never missed a payment since and all outstanding debts are paid my credit history should be fine. i have checked and my identity has not been stolen..so im mystified!
A. Best Answer: ?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - buildcredit.ifastnet.com
Q. Question? i have a loan which i took out in jan 09 .
the loan was for home improvements, at the time i was working in the construction industry and was earning very good money.
the loan was for £20,000 but with the interest it is now at £22,000.
i was made redundant in april 09 and have paid my monthly loan payments back with my savings as i have not been able to find any work.
my payments have been £485 per month but now i have no savings to pay the loan payments and i only recieve £256 per month , which is for job seekers allowance.
once i pay the gas , electric, water rates , tv licence , i only have £75 per month for food etc so i am now not in the position to make a £485 payment , i have tried to talk to te bank but they said i have to make the payments.
how can i make the payments , you cant get blood out of a stone, i would try to pay them £30 per month, as i am not trying to avoid the fact that i borrowed the money.
the loan is with the hsbc bank and i never took out insurance for redundancy as i was in a great position with work and could never of imagined that my company would ever go bust.
what will happen about the payments with the bank as i am being harrast and the next payment is due very soon.
it is not secured against anything but i want some advice on what to do , how can they expect payment , and also they will take my next payment out of my overdraft which is not what i want them to do .
any help would be great ,
thank you
i have tried talking to them and it just doesn't seem to sink in , that i am out of employment ..
if they take me to court the court will see that i am trying to make payments even though they may only be small
A. Best Answer: Your situation is like millions of people all over the world. The problem is that the banks don't have leeway to allow you not to pay, even when they know you cannot. They are required by the written agreement, and the structure of their companies to require payment, and when said payments are not made timely, they are then required to take the matter to court. Yes, the court will recognize that you are unable to pay the required amount, but will likewise agree with the bank is not required to take any payment amount less than the agreed amount. Unfortunately, you will have to manage with the income you get and then make any payments you can to the debt.Hopefully things will improve, and sorry I didn't have better news for you.
A. Best Answer: The best thing - the truth!!
Q. Question? I'm thinking of renovating my house and am wondering what would be my best option to gain funds to do the work.My mortgage company do advances on mortgage that you pay off over the remaining time that would be twenty years.Would it be a good idea to do this or would I be better getting a separate home improvement loan from another company.
A. Best Answer: Do you need the space? If not, hold off. You don't want to take on additional debt at this point if you can avoid it. If you have to renovate because you really need the space, or to fix problems with the basement, then your best bet is to put your savings in a CD and get a secured loan (lowest interest rate, easiest loan to obtain now). Or get a second loan for a much shorter term than re-jiggering the mortgage for a 20-year term. That, too, will cost you less in the long run. For such a small amount, you probably shouldn't go more than 3 - 5 years.
Q. Question? About 6 months ago I was refused a loan for £20000 for home improvement so I went to check my credit score on CreditExpert.co.uk and it was 439 putting me in "Very Poor" category well I have checked my score today and it is know 999 yes 999 the highest it can go and puts me in "Excellent" category. The question is if I apply for a loan with a bank am I guaranteed it won't be refused this time I have never missed a payment also I have 3 credit cards but the outstanding balance on all 3 have been paid off this is the reason why it's 999 I guess.
A. Best Answer: You might be refused it - the banks check the credit scores and for a large amount do some other checks as well (for example they take your income into account, no good borrowing what you will never earn in your life for example). All you can do is get the plans drawn up, get planning permission and ask for the loan
Q. Question? Ok about 5 months ago I wanted to burrow a loan for Home Improvement about £15000 I was rejected by the bank I was told it's because of the credit check don't have a good score so i went online at creditexpert.co.uk and checked my credit report then checked the credit score and it was in "Very Poor" category score was 413 But the thing is I never missed a payment I have 3 credit cards but I do pay minimum every month in total I had £1200 outstanding on the credit cards so i start paying extra every month on top of the minimum that was already been taken out of my bank and after 5 months I have £500 outstanding and my Current score is 814 :) and puts me in a "Fair" category the thing is can i apply for the loan know but I did want more this time £25000 or shall I wait 1 more month as am thinking of paying of the full outstanding balance £500 next month I mean am sure that will put me defiantly in "Good" category if not "Excellent"
A. Best Answer: credit-report-free.totalh.com - try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.
Q. Question? NO BROKERS, NO UPFRONT FEES, NO SCAMS.
I have a low credit score as i do not have much credit now but a few years ago i fell behind with stuff as i think its left a bit of a mark. I need £1000 loan for home improvements i do not own a house i live at home with parents.
Can anyone suggest some realistic options i work full time and i am able to afford repayments as i do not have any other outgoings.
Please do not send me spam or things like yes loans which i believe to be a con, i do not have a guarantor.
A. Best Answer: Most loan sites on the net are scams.
They charge you upfront fees - then simply turn you down for bad credit.
Try your local banks - that's the best you can do.
/
Q. Question? I am looking at getting a loan of £5000 for home improvements and have been refused. I'm 22, I live with my partner and her 3 children. I have a good job and have an income of £33,000 a year. I only have £800 per month outgoing. I have a store card but my credit rating is good and I have never had bad credit. Does anybody know why I can't get one?
A. Best Answer: Uk answer: You don't say in your question who you applied to - if you have applied more than once then this might have a bearing on how banks perceive you as a risk, given that each will record a search. Whilst your credit information might be clean, all banks use a form of credit scoring which will take into account things such as your age, length of time at address, length of time in current employment, etc. I'm afraid at 22 it is likely that you haven't been at the address long enough or in your current job long enough for the bank to attribute many points to the "score". That probably doesn't seem very fair - and indeed banks have increased the threshold scores for all loan products over the past year. Worse still, some high street banks who are accepting loan customers are charging 21%, which against a base rate sub-1% looks to be far too high.
You could try Zopa - http://redo.me.uk/zopa which is a UK company that matches borrowers with savers meaning both sides get good rates, and the banks are side-stepped altogether. They still make credit checks, however they actually check each application using a real person.
Whatever you do, steer clear of companies that promise or guarantee you a loan but require a fee upfront for doing so. What they will actually offer you is an unsuitable loan (high interest rate, guarantors required, etc) or no loan at all. One thing's for sure - you won't see that fee again!
Q. Question? Been authorised a loan for Home Improvements but now wish to use the money to buy and investment flat, i intend to rent out is this ok?? Do i have to tell the lender ?? in UK!!
A. Best Answer: It's quite unusual to specify what the loan is to be used for, UNLESS it will add to the lenders 'security' in some way .. so I ASSUME that the lender has agreed to lend against the FUTURE value of your house, AFTER THE IMPROVEMENTS ????
If so, you have a problem :-)
Q. Question? IN the last 5 years i have had 3 credit cards,a store car a £2000 loan, an overdraft of
£1500 which hasn't been used for 18 months, and regular bills i.e sky, mobile.
i have never missed a credit card payment,loan, or any other. in the last year i have finished paying my loan, and payed off all 3 credit cards! last week My girlfriend and myself have just purchased a house with the help of some inheritence, ( £40000 deposit on a £160,000 house) when i applied for a loan of £8000 for home improvement i was turned down flat (not even offered a higher interest rate) and now i have been turned down for finance at Harveys furniture store?!?! I am in full time employment and my incomings do and will exceed my outgoings! i really do not understand why i suddenly won't be touched by lenders? any help would really be a help to this confused 25yr old man! thanks
So in my opinion seeing as the lenders were willing to give me a loan and 3 credit cards in the first place, and i have never missed a payment since and all outstanding debts are paid my credit history should be fine. i have checked and my identity has not been stolen..so im mystified!
A. Best Answer: ?redit repair work?d fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service - buildcredit.ifastnet.com
Q. Question? i have a loan which i took out in jan 09 .
the loan was for home improvements, at the time i was working in the construction industry and was earning very good money.
the loan was for £20,000 but with the interest it is now at £22,000.
i was made redundant in april 09 and have paid my monthly loan payments back with my savings as i have not been able to find any work.
my payments have been £485 per month but now i have no savings to pay the loan payments and i only recieve £256 per month , which is for job seekers allowance.
once i pay the gas , electric, water rates , tv licence , i only have £75 per month for food etc so i am now not in the position to make a £485 payment , i have tried to talk to te bank but they said i have to make the payments.
how can i make the payments , you cant get blood out of a stone, i would try to pay them £30 per month, as i am not trying to avoid the fact that i borrowed the money.
the loan is with the hsbc bank and i never took out insurance for redundancy as i was in a great position with work and could never of imagined that my company would ever go bust.
what will happen about the payments with the bank as i am being harrast and the next payment is due very soon.
it is not secured against anything but i want some advice on what to do , how can they expect payment , and also they will take my next payment out of my overdraft which is not what i want them to do .
any help would be great ,
thank you
i have tried talking to them and it just doesn't seem to sink in , that i am out of employment ..
if they take me to court the court will see that i am trying to make payments even though they may only be small
A. Best Answer: Your situation is like millions of people all over the world. The problem is that the banks don't have leeway to allow you not to pay, even when they know you cannot. They are required by the written agreement, and the structure of their companies to require payment, and when said payments are not made timely, they are then required to take the matter to court. Yes, the court will recognize that you are unable to pay the required amount, but will likewise agree with the bank is not required to take any payment amount less than the agreed amount. Unfortunately, you will have to manage with the income you get and then make any payments you can to the debt.Hopefully things will improve, and sorry I didn't have better news for you.
Resources