Thursday, March 25, 2010

“Nationwide Building Society Offers New Personal Loans Rate for Current Account Holders (PRWeb)” plus 3 more


Posted: 24 Mar 2010 12:15 AM PDT
With effect from Tuesday 16 March 2010, Nationwide has introduced a new personal loan rate of 7.9% APR typical for loans of up to five years between £7,500 and £14,999 for its current account customers.
London, UK (PRWEB) March 24, 2010 -- With effect from Tuesday 16 March 2010, Nationwide has introduced a new personal loan (http://www.nationwide.co.uk/loans/default.htm) rate of 7.9% APR typical for loans of up to five years between £7,500 and £14,999 for its current account customers.
Nationwide has been offering a special low market leading personal loan rate exclusively for its current account (http://www.nationwide.co.uk/current_account/default.htm) customers for the past two months. While this special offer period ended on Monday 15 March 2010, Nationwide will continue to reward its current account customers by offering a rate of 7.9% APR typical. This continues to be the lowest rate in the UK and beats the rates set by many other high street personal loan providers by offering a sub 8% rate. The same low rate applies whether the loan is taken out through a branch, telephone or the Internet.
Chris Rhodes, product and marketing director, said: "The final stage of the Government's Car Scrappage Scheme is due to end on 31 March 2010. This means that our rate of 7.9% APR typical available for loans between £7,500 and £14,999 may be perfect for people looking to get their hands on their dream car before the scheme comes to an end.
"No supermarket or lender on the high street can beat our highly competitive rate, which further reaffirms the benefits of Nationwide's FlexAccount."
Other loan amounts between £1,000 and £25,000 are available with repayment terms between one and seven years. These are available for both new and existing Nationwide customers.
The Nationwide gold credit card also offers 0% on the first three months on purchases, and 0% on balance transfers for 13 months. Find out more about Nationwide's credit card balance transfer offers.
Contact:
Neil Gatherum
01793 654852
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Posted: 24 Mar 2010 12:01 AM PDT
SG, baby! buzzed up: They saved Obama's bill; can he save their seats? (AP)
59 seconds ago 2010-03-24T18:05:02-07:00
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Posted: 24 Mar 2010 12:00 AM PDT
LONDON, March 24 /PRNewswire/ -- With effect from Tuesday 16 March 2010, Nationwide has introduced a new personal loan (http://www.nationwide.co.uk/loans/default.htm) rate of 7.9% APR typical for loans of up to five years between pounds Sterling 7,500 and pounds 14,999 for its current account customers.
Nationwide has been offering a special low market leading personal loan rate exclusively for its current account (http://www.nationwide.co.uk/current_account/default.htm) customers for the past two months. While this special offer period ended on Monday 15 March 2010, Nationwide will continue to reward its current account customers by offering a rate of 7.9% APR typical. This continues to be the lowest rate in the UK and beats the rates set by many other high street personal loan providers by offering a sub 8% rate. The same low rate applies whether the loan is taken out through a branch, telephone or the Internet.
Chris Rhodes, product and marketing director, said: "The final stage of the Government's Car Scrappage Scheme is due to end on 31 March 2010. This means that our rate of 7.9% APR typical available for loans between pounds 7,500 and pounds 14,999 may be perfect for people looking to get their hands on their dream car before the scheme comes to an end.
"No supermarket or lender on the high street can beat our highly competitive rate, which further reaffirms the benefits of Nationwide's FlexAccount."
Other loan amounts between pounds 1,000 and pounds 25,000 are available with repayment terms between one and seven years. These are available for both new and existing Nationwide customers.
The Nationwide gold credit card also offers 0% on the first three months on purchases, and 0% on balance transfers for 13 months. Find out more about Nationwide's credit card balance transfer offers.
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Posted: 24 Mar 2010 04:36 AM PDT

If you're considering bankruptcy, keep in mind there are several options to protect your secured car loans and keep the repo man away from your door.
In many states you may be able to avoid repossession through allowable bankruptcy code exemptions, says Kevin Gallegos, vice president of Freedom Debt Relief, based in Tempe, Ariz. These exemptions vary greatly from state to state and there are advantages and disadvantages to each.
First, whether you file under Chapter 7 or Chapter 13 of the U.S. Bankruptcy Code, you can expect an automatic stay to take effect, Gallegos says. This stay prevents debt collection, wage garnishment, lawsuits related to your finances, foreclosure and repossession. The automatic stay remains effective until the court discharges your case.
What happens to car loans when you file bankruptcy depends on how long ago you purchased the car. Here's how car loans are handled in Chapter 7 and Chapter 13 personal bankruptcy:

Car loans under Chapter 7

Car loans are secured debt -- the car is pledged as collateral to back the loan. Under Chapter 7 you have three options:
  1. Redeem: This option involves one lump sum payment to your creditor for the car's current fair market value. If you can afford to do this, it may make life easier in the future, since you'll have eliminated car payments. But because most people file for bankruptcy at a time when cash is not handy, it may not be a viable option for many filers.
  2. Reaffirm: This option allows you to essentially continue making payments on your lease or loan as you did before you filed for bankruptcy. In reaffirming your debt, you agree a second time to continue making payments according to a schedule agreed upon by you and your creditor.
  3. Surrender: If neither continuing payments nor redeeming the car will work for you financially (for example, if you owe more on the car than it's currently worth), you can also choose to surrender your vehicle to your creditor and have the remainder of your debt discharged.

Car loans under Chapter 13

Under Chapter 13 bankruptcy, your car's future will depend on when you bought it.
  • Newer cars: If you bought your car within 910 days of your bankruptcy filing, you're required to pay the full value of the car loan, though your interest rate may be reduced.
  • Older cars: If you purchased your car more than 910 days before filing for bankruptcy, you're only required to repay the car's current fair market value.


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