Was given a loan but i now wish to change my mind.Was told that there is no way to cancel.Have heard about 5day cooling of period,but told by company,this doesnt apply as agreement sighned on premises.Any help would be appreciated. Thanks
215278
All refinance loans have a 3 day recission period (not counting weekends or holidays). If it was a purchase, I think you're pretty much SOL.\n If I were you, I would contact the Lender directly. The Agent wants their money and if your loan doesn't fund, they don't get paid.
428135
Despite the myths, there is no law that allows you out of a lease if you change your mind in three days.  See if they can move you to a larger apartment. Good luck.
308888
i have the same problem... just don't max it out in a day... the trick is to pay it off each month... that way you don't get charged interest.
335217
Bank when take guarantee take standard guarantees which is joint and several guarantee. So they must be legally on firm ground to do that. They have filed the case since for getting amount appropriated against loan. I would suggest that tell court that you are fine with paying out loan and bargain for simple interest instead of compound interest. This will save you from all legal costs and waste of time.
319364
Contact the Credit Counselling Service (or something along those lines).  Free charity, great at helping to deal with debt.  As far as I know you can ask but it is unlikely they will reduce the amount - they do however cancel interest!  Good luck.  Also CCJs only last for 7 yrs on your credit rating.
226603
This is not likely to be helpful, and could result in you increasing your debt.  When a loan is processed and approved there are almost always fees to be paid. This lender may be planning to add the fees onto your loan balance.  He is trying to make a buck off of you. Be wary. \n\nThink of lenders as sales persons.  They are pushed either by greed or by management to "sell" and ethics are rarely their top priority.\nAvoid taking financial advice (or any other sort of advice, for that matter) from someone who stands to gain from one of your choices.
265105
You can't get a refund now. If your hearing that you can it's because like 4 or 5 years ago FHA loans use to have pmi that you would pay up front for 7 years or something like that. And if you got out of the FHA loan you would get it back. But now it's all month to month but we can use new value after 6 months now and get you out of PMI go to http://www.ocrate.com if you need more info and anyone looking to buy a home that is the place to go. Nashionwide.
388735
Im sure you know that the refinance percentage is based off of your credit history/score. I would recommend to wait at least 12 months. Any inquiry on your credit will last for 2 years, so you dont want to run the risk of having them run your credit at the 6 month mark and them not approving it because you dont have an adequate length pay history. If they did deny it, then you would have to run it again at the year point. Also, by waiting at least 12 months, you are showing the credit union (or bank) that you have made 1 years worth of monthly ontime payments. Hope this helped!
514474
i was in same situation.sent the money.didn't get the loan.that's  their  fee to look for a loan.the finance  company  make the final    decision.which is a credit check.so don't send the fee.its a con
256259
First try with your mortgage company. Sometimes they have special hardship programs to re-age your account.
222450
if you already excepted payment you just need to contact the buyer and work out something you really don't want to get a bad mark people really do look at these so don't waist any time you could have canceled the auction before that point good luck
73630
When you took out the loans you probably signed something stating that if you do not pay this loan by this date, you give authorization to withdraw the funds out of your checking account automatically. You should read the disclosures that company has. As for your bank, they can not do anything because you gave authorization for that withdraw when you gave them your account number.
638899
the rate that it could adjust to is posted in your note! read your note. You need to refi this note to a fixed rate. With that start rate you must have had some credit issues. Start the process today. I am a loan officer in TN only>
397432
Hi tthere Kit t,\n\nWhat happens alot of the time is when consolidating the lender does not consolidate all of your loans..\n\nIf this happened to you then you will actually be in luck,...\n\nIf you have one outstanding loan, my compnay can then consolidate you again by consolidating what ever samll loans you still ahve out there into your large consoliodated loan..\n\nThe reason this will benefit you is because we will offer you up to 3 years of forebarence at that point..\n\nMeaning, you wont have to worry about making a  payment to prioncipal or oibnterest for 3 years.. You can choose to send interest payments if you choose, but you will not be obligated..\n\nThis is what ido for alot of students that are looking to go back to school.. It can give you a little more breathing room until you are working full time makin genough moneY..\n\nGive me a call when you have a moment.. I would =eb happy to pull up yopur loans on the NSLDS (national student loan database system) This will tell us if we can re-consolidate you or not..\n\nAlso feel free tio check us out online.. Here is a link to my yahoo 360 profile which has links to our website as well..\n\n\n\nhttp://360.yahoo.com/profile-HlUDUhMib7M9Wlj6o6L2SfGcEYtkt9xsaQ--?cq=1\n\n\nLook forward to hearing from you!\n\nJason Fry\nStudent Aid Lending\n1-800-964-0642 ext 114\njasonf@studentaidlending.com
404950
Are the lates on the mortgage?  If so, the 60-day is what is killing the 85%.  Unfortunately, I don't know of any lenders that would be willing to do that LTV either.  Have you tried hard money lenders?
640523
The mailings you've been getting are about "loan consolidation." It basically goes like this:\n\nThe rates on your current Stafford Loans are inherently *variable* -- that is, they are "reset" (i.e. they are changed) once a year (on July 1st) by the US federal government.  This past year, the rates were 4.7% for students in school (or in deferment, or in their grace period) and 5.3% for students in repayment.  Starting TOMORROW July 1st, the rates are going to increase by 1.84%. \n\nAll borrowers will be automatically subject to these rate increases. The only way to NOT be affected by them is to apply for Federal Consolidation Loan.  In effect, when you consolidate, your lender will take your variable rate loans and combine them into one big *fixed*-rate rate loan.  It's still a federal program and the rates are still set by the federal government, but the primary difference is the fixed rate.\n\nAs with any financial decision, there are pros and cons to loan consolidation. In general, consolidation is a good thing: not only does it offer fixed rates, but it also allows borrowers to extend their repayment term beyond the standard 10-year repayment term that most students loans (Stafford and Perkins) carry. \n\nKeep in mind that, once you have consolidated, you won't be able to UNconsolidate. So, yes, you would be out of luck if the rates decreased dramatically. While it is *possible* that rates will go down sometime during the 10+ years that you are in repayment, it is more likely that the next few years of your repayment period will be spent watching variable rates increase. While no one can predict the future, it is very unlikely that Stafford/PLUS loan interest rates will ever reach the historic lows that they dropped to a few years ago. \n\nOne "con" of consolidation: You will generally lose your grace period if you choose to consolidate. You do need to think long and hard about whether this is a loss that you are willing to endure. Financially speaking, you're looking at the difference between (a) being able to lock in a 4.75% interest rate on your Staffords or (b) watching the rates rise to 6.54%, then 7.14%, then whatever the government decides to set them at for 2007-08). If you can handle losing your grace period, it's worth it to lock in that 4.75% (you might even be able to get a bit of an interest rate "break" depending on who you consolidate with).\n\nNOW, although I almost always recommend consolidating Stafford Loans, your Perkins Loans are a separate issue. Perkins loans are FIXED-rate loans (they've been at 5% for *years* and there is no indication that this will change). \n\nPerkins carry additional "benefits" with them that might be lost in a consolidation situation. For example, Perkins Loans can be cancelled in full if you enter one of several career fields (law enforcement, teaching, etc.). The interest on [unconsolidated] Perkins Loans is subsidized during any in-school/grace/deferment periods, so if you went back to school or applied for a economic hardship deferment later on, your interest would temporarily stop accuring. If you consolidate the loan, these cancellation benefits and interest subsidies would no longer exist.\n\nMoreover, if you consolidate your Stafford loans *together* with your Perkins loans, the lender will calculate your interest rate by taking a "weighted average" of your loans' current rates, so your rate could be anywhere between 4.7% and 5%. \n\nIt's up to you if you want to consolidate Perkins. Perkins loans by themselves carry a "minimum" payment that you must pay. Naturally, if you consolidate it, the minimum doesn't apply, so usually by consolidating Perkins, you will be able to lower your overall monthly payment on the Consolidation Loan. So, if you want to leave Perkins out of the mix, be sure to ask yourself if you think you can handle the larger monthly payment. \n\nG
282818
You should be able to apply for a 90 day loan.  I forgot what they're called, but any business bank would be able to finance it..