bank loans

Advantages: do what you can at a bank
Disadvantages: too serious

...I have always found Barclays in general to be great to me and very helpful. I use online banking daily and find it excillent for finding out my bank balance. I used the new loan site and applied for a £500 loan, I was shocked to find I had been decliend. Yet a month before I was offered a £1000 loan. I cannot understand why they throw money at you when you do not need it, and yet when I am need a loan it is never there. I find the site itself quite user friendly but I wish they would make the site a little more fun by having competitions etc....

Lynx101 25.07.2000 · Read review
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Review of Barclays Bank Loans

Quick and Easy Loans

Advantages: Competitive rates and fees, ultra quick arrangement and convinient payments
Disadvantages: None, if you are honest with yourself and the bank about your needs

...In Spring 2002, my partner started a new job and urgently needed to buy a car. To finance this, we decided a personal loan would be the safest, quickest and easiest option. To begin with, I did a lot of research online - searching for lenders, comparing interest rates, etc. However, at the end of the day, finding little difference between most lenders, we decided just to stick with our bank - Bank of Scotland. Our main reasons for choosing Band of Scotland were the speed of the application process (as existing customers) and the 3 month repayment holiday at the start of the loan. Loans Available You can borrow any amount from £1,000 to £25,000; the interest rate will vary depending on loan amount and personal circumstances but you can expect it to be around 8.9%. There are no repayments for the first 3 months...

ariadne 15.12.2002 (04.04.2003) · Read review
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Review of Bank of Scotland Loans

MBNA personal loans

Advantages: Ease of application
Disadvantages: Poor organisation, customer care. Incorrect outstanding balance. Incorrect default letters.

...I took out an MBNA (then VIrgin) personal loan 4 years ago. The ease of the application at that time was good and the money came promptly. I am now told that you cannot get this loan via Virgin any more. I made payments regularly for 4 years and I now have another year to run. However in July last year I had problems due to the fact that somebody else owed me money and a payment was returned by my bank (NatWest). For this I received 38 pound charge from my bank and a default charge from MBNA. This happened again the next month (already therefore 126 in charges) and I was telephoned by MBNA where I live in Greece. I explained the situation and the girl was in fact sympathetic and I made a payment by debit card then and it was decided to spread the other outstanding payment over 2 months on top of my regular payment. The lady then...

Phweeter 04.05.2009 · Read review
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Review of MBNA International Bank Loans

Graduate Loans are appalling

Advantages: You get the money
Disadvantages: The rate, insurance, customer service

...My boyfriend has a graduate loan with Barclays, and these are the experiences we have had with them The Interest Rate The rate for the loan is 8.9%. This is the one for the graduate loan which is meant to be at a preferential rate. For comparison, the HSBC graduate loan rate is around 7% and the bog standard rate is 8.9%. Payment protector Insurance for the loan is pretty standard but what we did not realise from the outset (i.e. no one told us) is that you pay for the 5 years of insurance in one lump sum at the begining and you get interest charged on it. (e.g. if you borrow £3000 and insurance for the loan period of 5 years is £500, you pay interest on £3500). This is probably fairly standard across all banks but is annoying. Application Process My other half had a student account with them so it was fairly easy-although we...

o.gerbilpants 13.09.2002 · Read review
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Review of Barclays Bank Loans

Applying for loan on-line

Advantages: Easy to apply On-line
Disadvantages: High interest rate,

...For anyone who has the on line banking facility with Barclays getting a loan is easy. Once you are logged in clicking on the Barclayloan link will show you your pre-approved loan limit and getting a loan up to this amount is pretty easy. You personal limit is calculated (according to website) by the ay you manage you money in you account. You can specify either the amount you want to borrow (within the limit) or the monthly repayment you want to make. If you specify the loan amount you will be shown a list of monthly instalments to choose from which will depend on the loan period. You will also be shown the applicable APR for each available option. If you choose to specify a monthly repayment amount, you will be given options of different loan amounts and repayment periods to match your preferred monthly repayments. As before...

iriyas 15.08.2002 · Read review
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Review of Barclays Bank Loans

Loan (ar) Ranger

Advantages: Fun, easy to lend, makes you feel good, can earn better interest than a bank sometimes.
Disadvantages: Can lose your money, your money is tied up - I mean it's tied up for years (or forever)

...Zopa is a company based in the UK which offers an alternative way to make money for those who want to make money, or an alternative way to get a loan for those who want to get a loan. It's a bit like ebay, but for loans. How it works ? borrowers You can apply for a loan either by creating a listing, which is effectively your chance to plead to some lenders for their hard earned cash by appealing to their kind heartedness. If you put a picture up showing you're a good looking girl, or write an amusing yet convincing argument about why you want the loan then you might get a decent rate. If your case isn't good, or you've put up an ugly male picture, then you might be offered the money but at a worse rate. In reality of course people aren't going to judge people on looks and personality when it comes to lending money, I'm sure it...

hard_to_please 10.08.2009 · Read review
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Review of Zopa Loans

Personal Loan

Advantages: Competative
Disadvantages: None

...be in your account with half an hour. WHY CHOOSE HSBC? But why choose HSBC I here you say. Plenty of other companies offer personal loans, some are even cheaper than HSBC. Well HSBC is the largest high street bank in the UK, (actually the second biggest bank in the world!!!!!), which means they are a reputable company with a good reputation. With branches on most high streets you can call in at any time if you have any questions or queries. I have served many customers over the last four years that have been offered a better deal from an internet bank or a telephone offer an they have still chosen to take the HSBC loan. When I have asked the question WHY, they have all answered the same. Sometimes the cheapest deal is not always the best, and at least they know if there are ever any problems, they have got a person to refer to...

coolaskaha 15.05.2004 (15.03.2006) · Read review
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Review of HSBC Loans

the bank job

Advantages: some parts of the film are interesting to watch
Disadvantages: No jokes, no nudity, no real action.

...a loan shark criminal gangster to terrorise victims and get his job done. Its a British film, based on a true story supposedly. It's the true story of the 1971 Baker Street bank robbery. The film highlights the criminal backgrounds of the robbers, and the people behind the robbery as criminals, drug traffickers, brothel owners and prostitution participants in one form or another. The film also illustrated the civil rights movement using screenames such as Michael X and Hakeem as obvious civil rights leading figures during this movement in world history. What happens basically a woman with the screen name Martine and Terry and his friends from London get involved in a misleading attempt at a bank robbery where it is suggested that nothing will go wrong, The London based gang are led to believe that money is the only motive behind...

costas1234 11.02.2008 (29.05.2009) · Read review
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Review of The Bank Job (DVD)

Egg Fried Loans

Advantages: Simple application process. Very flexible personal finance. Low APR
Disadvantages: Telesales staff very pushy with the payment protection sales.

...After making a decision to buy a new car, (see my previous op!) I shopped around for the best loan deal I could find that suited me. The most obvious places, like my bank, or the place I was buying my car from did not offer anything favourable to me. What I was looking for was a loan where I could be flexible, i.e. be able to pay off lump sums when I can afford it, or increase my monthly payments or take a month off maybe now and then. It would also be nice to clear the debt without incurring penalty. So, after checking my banks website, and calling them, I searched on the net for flexible loans. Two familiar names came up, Egg, and Cahoot. The Cahoot site didn’t load for me, I am an impatient sort, so they lost my business straight away. Egg was looking good already! The Egg folk offer a number of personal...

alflavor 22.09.2001 · Read review
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Review of Egg Loans

Sainsburys - More Than Just A Grocery Store

Advantages: Quick and easy to arrange, decision given within a few minutes of application being made, 2 months before first payment due
Disadvantages: £30 courier fee, don't get caught out with the additional insurance you probably don't want or need

...I was recently looking to take out a loan to consolidate my finances. As I already had an existing loan with Sainsburys Bank I decided to request the settlement figure so I knew how much to borrow. Having received several quotes I decided to close my existing loan with Sainsburys Bank and take out a new agreement with them. One of the main advantages being that as an existing customer they had my details on record and were able to agree to the loan over the phone - in total they took about 20 minutes to ask the necessary questions and agree to the loan. Sainsburys loans are all arranged over the telephone, once agreed a courier calls within 24 hours and delivers either a cheque or an agreement which you activate by telephoning a number and confirming a few details, this takes about 2 minutes, the money is then transferred into...

junkboxjules 06.05.2002 (04.12.2002) · Read review
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Review of Sainsburys Bank Loans