used mneysupermarket.com to purchase home insurance in October. From tomorrow I shall no longer be liing in the house and I will be renting it out. (I went for the cheapest insurance as I had to prove I had home insurance to change my mortgage to a buy to let – my previous insurance ran out in June just before the floods in which my area was severely affected.) Last night I purchased Landlord insurance and when I have tried to find a number for cancelling my insurance – it turns out that I have actually signed up for a loan through Amber Select – who have paid the home insurance on my behalf. I was unaware at the time that this is what I was doing. As it is a loan this would suggest I have to pay the full amount outstanding. I have obviously been duped and searching the internet it looksl ike many others have too. As I used moneysupermarket.com and it WASN’T made clear that I was signing for a loan. What are my rights to cancel this?

I have gotten myself into a little bit of a pickle with credit card debts, and I don’t want to keep transferring the balances as I don’t think my credit rating is all that great as it is, and don’t want to damage it any further.

I have been thinking about getting a personal loan to pay off my cards, cut my cards up and get back on my feet. Whilst visiting www.moneysavingexpert.com I came across a section on Credit Unions.

I visited the link of my local credit union, and it seems too good to be true – they offer a rate of 9.9% to everyone, regardless of personal circumstances/amount borrowed and credit rating.

I realise I have to join, and pay an amount to a savings account with them each month, but they also stipulate that you can pay as little as £1 per month.

What’s the catch? It seems like the perfect solution.

I think the loans may be based on affordability, which I hope there shouldn’t be any problem with. I still live at home, and manage to make regular payments each month to cover all my cards/car insurance/phone bills etc. The loan repayment would work out cheaper than what I am having to pay monthly as it is.

After queueing for half an hour, I finally get to the cashier and state my business. The cashier dosen’t know what to do so has to wait until the cashier next to them has finished with their customer so they can ask them what to do, this cashier dosen’t know either, so has to wait until the cashier at the other side of the one I first went to has done with their customer to ask them. They don’t know, so have to go in the back to ask someone hidden from view. These three then try to decide what to do while my original cashier tries to sell me a loan/mortgage/cheaper home insurance etc. Eventually a fifth person appears and comes to my rescue (banking god??), all I wanted to do was pay money into a business account, not that difficult I would have thought.

What makes it worse is it’s the same pantomime at the same branch almost every day.

Anyone who knows what their doing and work for Halifax Bank like to explain??

He is 22, a home owner and has had various catalouges and insdurance policys and never missed 1 single payment!
He wants toi buy his friends Audi R8 (very cheap only costing £68,000 as a good mate) and only has £40,000, the extra £40,000 he needs includes the extra needed for the car and the price for insurance, the first 2 years maintinance and petrol.
How much would he be looking at per month if he wanted to pay it within 6 years?
which rates are availible (a good one)?