A. The payment will be less but you will pay more interest
B. The payment can change only if the bank changes your interest rate
C. The payment will be more but you pay less interest
D. The payment is the same no matter if it is a 3 year or a 5 year loan

I earn about £30,000 gross a year. A local bank offers an overdraft of up to £7000 on its current account with credit card and cheque guarantee card. I am currently with halifax. They are crap. I have banked with them for 4 years. Never defaulted on any payments. I have a personal loan, £1000 overdraft and £2000 credit card. I asked for a consolidation loan and was declined. I think this is because I recently moved address and I wasnt on the electoral register. Crazily a consolidation loan would have been cheaper than all other loans together. I have a very secure public sector job. Halifax has done nothing for me. They gave me all current credit when I had a crap poorly paid job. Since I got a good job they have never approved me for credit. I have been a very good customer throughout.

Thanks

Why is there a lot of home foreclosure in the U.S. today?Did the interest rates on existing home loans suddenly increase?
Are interest on loans allowed to fluctuate wildly? By how much? But are not the key interest rates which are the basis of interests on home loans at their record lowest, thereby making home purchases very accessible? And what is the current loan interest rate now in the U.S? In the Philippines, you pay 7-8percent per annum. How does that compare to the US?

Last year i got a loan to consolidate a car loan and a bank loan. Then for some exceptionally stupid reason, i bough another car. So now i’m paying out 250 for a loan and 200 for a car each month. so i have to change this. I also however, need a car. Any thoughts on the quickest way of selling the car?? I’m thinking if i can cover the cost of the car loan, i might be able to extend my existing loan and buy a cheap diesel car.