Loan...
- Thread starter Shep_Cobain
- Start date
Well yes, but hopefully the op can see past those
Yes selling his PC would give him some money, but it wont give him that much
Pointless really, as he won't get much for it already as PC's deprehiate faster then anything else out there.
I'm always annoyed by accountants giving financial advice. You're not even qualified as an accountant, and when you are, you won't be qualified to give financial advice.
If he needs to sort out his VAT return he'll go and see an accountant. If he needs financial advice he'll go see a financial advisor. You won't find a financial advisor sorting out his tax return, why do acccountants think it's ok to offer bad financial advice?
If he needs to sort out his VAT return he'll go and see an accountant. If he needs financial advice he'll go see a financial advisor. You won't find a financial advisor sorting out his tax return, why do acccountants think it's ok to offer bad financial advice?
Why don't you hush it and stop insulting people?
Thread is just going off topic now with lots of mud flinging diluting the better advice.
To the Op I hope you do read through the drivel and take on some of the better advice here.
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Soldato
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Yes including you.
That she may but the loan and phone is in your name and you and only you are responsible for the payments. She has no obligation to pay.
[TW]Fox;18272715 said:
This could help as people could work out the best options however the OP seems a little tight lipped on this.
Soldato
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In the grand scheme of things, qualified or not, it's highly likely that I know more about finance than John Smith.
I'm not arrogant, nor a qualified financial advisor. I'm just training for a role in the finance industry, having completed a degree that specialised in accounting and finance.
Why do accountants think it's ok to offer bad financial advice? It's because they know more than you, have more experience than you and are simply far more intelligent than you.
Hardly, try that at your next job and see how far you get
You've already got some of the accountants qualifications I see.
Possibly
.It's the same as anything. Even though I drive and own a car, my knowledge is minimal in comparison to someone who works in the car industry.
Possibly
It's the same as anything. Even though I drive and own a car, my knowledge is minimal in comparison to someone who works in the car industry.
That could be likened to being a trainee accountant and someone who gives financial advice, ie you being the car owner and Halk being the specialist.
As for you aren't arrogant, just lol.
Wake up and smell the coffee
nobody is going to lend another £15,000 to somebody who already has £15,000 worth of debt and is on ~ £13,500 a year.
Taking out another loan is
A) not going to happen unless you go to cowboys
and
B) making worse.
DONT DO IT !
i posted some useful advice further back.
Get some good honest proper advice from a debt charity or similar
http://www.nationaldebtline.co.uk/
Taking out a 15k loan to pay this off is not the solution.
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Accountants DON'T think it's ok to give financial advice. Accountants CAN'T give financial advice unless they're regulated by the FSA. What kind of trainee accountant are you to not realise this?!
You've offered a solution that has been suggested multiple times, rejected each time and he has even only shortly before said it's not an option to him. Irrespective whether that's sensible you suggesting it again is just ludicrous and fully deserving of a "sigh".
May as well just say why don't you win the lottery...
Soldato
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Have not time to go through the whole post but you should check out this website.
www.consumeractiongroup.co.uk
They have some brilliant advice on there as well as letter templates and ways to help you reduce debt.
I was in awful trouble when my wife left me and I probably would have hung myself without their support and advice.
www.consumeractiongroup.co.uk
They have some brilliant advice on there as well as letter templates and ways to help you reduce debt.
I was in awful trouble when my wife left me and I probably would have hung myself without their support and advice.
I don't think that all PCP car deals are a bad thing really. I currently have one on a Toyota Yaris, which I pay £180 for 3 years and then decide to either buy the car outright or return it to Toyota.
I went through years of buying cheap cars thinking it would be better but in reality it was more trouble than it was worth.
First was a Ford Escort that I payed just over £1000 for, got hit with two big M.O.T bills and paid something like £180 road tax, car insurance was more expensive on it also and with it being an older car the fuel economy was terrible.
Then I took out a small bank loan of about £3000, back when interest rates were as low as 6% this paid for a Renault Megane and my car insurance for the year. Again the fuel economy wasn't fantastic and I had to replace the coils twice. Was again hit with two fairly large M.O.T/Service bills for general work on the car and the road tax was again fairly expensive.
Also during the winter months both cars would often stutter on startup and the escort would sometimes stall. Perhaps I was unlucky on my choice of older cars but fact is I ran into huge problems with both of them and this left me in a bad situation as I 100% need a car for work. So when I ran into problems, I had to take holiday days to get them sorted.
I am quite lucky in the fact my brother works for Toyota, so the price of the car was lower than usual and also I get the service completed at cost price. Great news is my insurance is lower, I only pay £35 a year on road tax and during the bad winter months I didn't have to worry about the car being unreliable etc.
I went through years of buying cheap cars thinking it would be better but in reality it was more trouble than it was worth.
First was a Ford Escort that I payed just over £1000 for, got hit with two big M.O.T bills and paid something like £180 road tax, car insurance was more expensive on it also and with it being an older car the fuel economy was terrible.
Then I took out a small bank loan of about £3000, back when interest rates were as low as 6% this paid for a Renault Megane and my car insurance for the year. Again the fuel economy wasn't fantastic and I had to replace the coils twice. Was again hit with two fairly large M.O.T/Service bills for general work on the car and the road tax was again fairly expensive.
Also during the winter months both cars would often stutter on startup and the escort would sometimes stall. Perhaps I was unlucky on my choice of older cars but fact is I ran into huge problems with both of them and this left me in a bad situation as I 100% need a car for work. So when I ran into problems, I had to take holiday days to get them sorted.
I am quite lucky in the fact my brother works for Toyota, so the price of the car was lower than usual and also I get the service completed at cost price. Great news is my insurance is lower, I only pay £35 a year on road tax and during the bad winter months I didn't have to worry about the car being unreliable etc.