Best Rate Personal Loans Debt Consolidation -Gpaoh.Com http://gpaoh.com/ Thu, 19 Sep 2019 12:40:13 +0000 en-US hourly 1 https://wordpress.org/?v=5.6 Payday loan debt consolidation -Help with a debt consolidation loan http://gpaoh.com/payday-loan-debt-consolidation-help-with-a-debt-consolidation-loan/ http://gpaoh.com/payday-loan-debt-consolidation-help-with-a-debt-consolidation-loan/#respond Thu, 19 Sep 2019 12:40:13 +0000 http://www.gpaoh.com/2019/09/19/payday-loan-debt-consolidation-help-with-a-debt-consolidation-loan/ You are repaying several different debts and missing a few hundred crowns in your budget. Therefore, you decide to combine loans into one. You will only send 1 installment per month. You will pay longer, but the payments will be lower. As a result, you will not miss the money for everyday life and you do not have to borrow […]

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You are repaying several different debts and missing a few hundred crowns in your budget. Therefore, you decide to combine loans into one. You will only send 1 installment per month. You will pay longer, but the payments will be lower. As a result, you will not miss the money for everyday life and you do not have to borrow even more.

Help with a debt consolidation loan

Choose your favorite and ask for debt consolidation. If you choose https://dedebt.com/, you will ask for debt consolidation over the phone or via the Internet. Prepare 2 identity documents and contract for the loans you want to consolidate.

Next, we will need the following materials:

  • Information about your employer (business name, address, phone) or your business (ID and copy of your last tax return)
  • Copy of the latest current account statement
  • the original confirmation of the amount of income (only applies to employees),
  • a copy of the pension assessment certificate (only applies to pensioners). 

We will approve the consolidation

We will check if it is responsible to you to consolidate your debts. Once we approve the request, we will send you a contract or post by courier. Here you will find all the necessary information. If you agree, sign the contract and send it back to us.

We pay the lender

We accept the contract and send your creditors money to pay off your debts. Now you have only 1 loan at Ophean.

You are sending installments

One month after signing the contract, you are sending the first installment. We need to have it credited to your account on the due date. Please send it a few days in advance.

You will pay off the loan

You will pay off the loan

You pay off the loan regularly every month. If you get unexpectedly more money, you can send an extra payment or repay the loan early. We don’t charge any fees, we just need you to let us know in advance. We will send you a written confirmation after payment.

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Close Loan http://gpaoh.com/close-loan/ http://gpaoh.com/close-loan/#respond Tue, 13 Aug 2019 06:03:31 +0000 http://www.gpaoh.com/2019/08/13/close-loan/ It often happens that people have taken out one or more loans. For example, you can think of a revolving credit or personal loan. Other ways in which money is borrowed, for example, is the red balance in a bank account or a credit with a mail order company. Before you decide to take over existing loans, it is important […]

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It often happens that people have taken out one or more loans. For example, you can think of a revolving credit or personal loan. Other ways in which money is borrowed, for example, is the red balance in a bank account or a credit with a mail order company. Before you decide to take over existing loans, it is important that you know your financial situation. One of our financial advisers can help you with that.

 

Avoid high interest rates and opt for a loan transfer

Avoid high interest rates and opt for a loan transfer

You may be shocked if it becomes clear how much money you have spent on interest on loans or loans. Transferring a revolving credit or transferring another loan can therefore certainly provide you with the necessary financial benefits. The interest rate when transferring one or more loans is often cheaper than the current interest rate that you pay.

 

Loan refinancing – How does it work?

Loan refinancing - How does it work?

If your financial situation is clearly mapped by a financial adviser, the necessary steps will be taken to actually save costs. Merging loans or transferring loans is fairly complex. For example, it is quite possible that you will pay a fine for early repayment of a loan. The duration, interest rates and other factors can also play a role. In addition, the question is whether you choose to transfer your existing loans to one loan or whether you choose multiple providers.

 

Transfer from bank with loan thanks to the help of Kathy Moreleinds

Transfer from bank with loan thanks to the help of Kathy Moreleinds

Do you also want to save money and transfer a loan? You don’t have to do loans alone. You will receive the help of our financial adviser for this. With us you always benefit from a low interest rate. We compare the various providers for you and look for a suitable loan. With us you pay no extra costs and you can use our transhipment service for free. In short, contact us and let us help you with one or more loans.

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Ways to increase your creditworthiness | Consolidation Loan http://gpaoh.com/ways-to-increase-your-creditworthiness-consolidation-loan/ http://gpaoh.com/ways-to-increase-your-creditworthiness-consolidation-loan/#respond Mon, 12 Aug 2019 05:08:51 +0000 http://www.gpaoh.com/2019/08/12/ways-to-increase-your-creditworthiness-consolidation-loan/ There are effective ways to improve our creditworthiness, but at the very beginning, it is worth being patient. Increasing creditworthiness is a process and in some cases the first effects may be visible only after a few months (as in the case of people who have long delays in payments and bad credit history). Especially for our readers, we have prepared a list of […]

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There are effective ways to improve our creditworthiness, but at the very beginning, it is worth being patient. Increasing creditworthiness is a process and in some cases the first effects may be visible only after a few months (as in the case of people who have long delays in payments and bad credit history).

Especially for our readers, we have prepared a list of effective ways to increase your creditworthiness. Here they are:

 

Take care of your history at BIK

Pay off your liabilities

A bad credit history caused by delays in payments often disqualifies us from the start. Even before applying for a loan, it is worth checking your report at BIK and, if necessary, paying off / closing old liabilities. To improve our creditworthiness, you can also take out a consumer loan for a small amount and repay it on time. Such a certainty will increase point scoring.

The report from the Credit Information Bureau can be checked free of charge here.

 

Pay off your liabilities

Early repayment of liabilities is associated with almost immediate improvement of our creditworthiness.

 

Check your creditworthiness

Use public online calculators for this purpose, go to an experienced financial advisor or to a bank where you would like to take out a loan. Knowledge about the current state of our creditworthiness will allow us to plan the next steps.

The creditworthiness will be determined free of charge by the financial advisors of Open Finance, Expander or DK Notus.

 

Limit the age of borrowers

The obvious thing is that we have no influence on the age of our borrowers, but it is worth remembering that the creditworthiness is calculated for a maximum period of 35 years. Banks usually grant credit to the period in which the borrower ends 75-80 years.

 

Plan the entire process carefully

Check your creditworthiness

At the outset, it is worth considering the amount of credit we are interested in, the amount of household maintenance costs, what security and savings we have, how much our liabilities are, etc.

 

Find an additional borrower or guarantor

Attachment of an additional borrower with creditworthiness can help in obtaining a positive credit decision. Another solution may also be finding a guarantor who will assume legal responsibility.

 

Take care of your own contribution (with mortgage loans)

Loans with own contribution are less interest-bearing, cheaper and require less creditworthiness.

 

Opt-out of credit cards and revolving credit on the current account

When calculating creditworthiness, banks add 3-5% of the value of the available limit to monthly liabilities. Getting rid of these products will also increase our creditworthiness.

 

Reduce the number of people in the household

Unmarried persons and marriages are counted as separate households. If it is possible to omit a person who is not our co-borrower, it is worth taking advantage of this opportunity, thus increasing our creditworthiness.

 

Extend the loan repayment period

Take care of your own contribution (with mortgage loans)

The longer loan period is associated with lower capital and interest installments, which translates into an increase in creditworthiness.

 

Use a consolidation loan

A consolidation loan combines all monthly installments into one. If the early repayment of liabilities is impossible at present, the consolidation loan will allow us to extend the repayment period of the existing loans, which will translate into a reduction in the amount of the installment and an increase in creditworthiness.

 

Do not hesitate to get married

Of course, the decision to marry should result from other motives than the desire to improve your creditworthiness. The fact is, however, that marriages are treated by banks as a single household (lower maintenance costs).

 

Choose fixed installments

Extend the loan repayment period

Creditworthiness is calculated on the basis of the first installment. Fixed installments are 20-25% cheaper than in the case of loans with decreasing installments.

 

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In these situations, you can reclaim the loan costs http://gpaoh.com/in-these-situations-you-can-reclaim-the-loan-costs/ http://gpaoh.com/in-these-situations-you-can-reclaim-the-loan-costs/#respond Fri, 28 Jun 2019 04:39:57 +0000 http://www.gpaoh.com/2019/06/28/in-these-situations-you-can-reclaim-the-loan-costs/ Sometimes it may seem like you would rather not pay off your loan or credit card bill and spend your money on something else. Unfortunately, however, there are rarely any good reasons for this. Occasionally, you may be faced with an unjustified unpaid expense. Here are three situations in which a loan or credit can be defrayed and a claim […]

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Sometimes it may seem like you would rather not pay off your loan or credit card bill and spend your money on something else. Unfortunately, however, there are rarely any good reasons for this.

Occasionally, you may be faced with an unjustified unpaid expense. Here are three situations in which a loan or credit can be defrayed and a claim is made for unjustified costs.

The credit agreement was not received

The credit agreement was not received

If you have not been able to get a credit agreement for yourself at the time of the agreement, you will not be able to charge interest or other costs on the credit.

A loan agreement with a branch can be obtained in writing, but for online consumer loans, it is common to get a loan agreement by email. If you do not have a contract for yourself, you can file a claim for credit.

No costs were agreed in the credit agreement

If you have got a credit agreement for yourself but are charged interest or expenses that are not covered by the agreement, you will not have to pay for these expenses and you will be able to file a claim against the credit.

There is an additional charge for certain SMS services

There is an additional charge for certain SMS services

Some unsecured consumer loans can be applied for online via SMS. However, you will not be charged for applying for a loan, postponing the maturity date or sending a loan confirmation message. If you have been charged a higher price than the standard SMS, you can file a claim for this expense.

The APR is illegal

The APR is illegal

There is an interest rate cap on the smallest consumer loans, ie quick loans. The interest rate ceiling applies to loans of less than EUR 2 000 and the annual percentage rate of charge may not exceed 50%. If the effective annual interest rate of the loan exceeds this interest rate cap, there is no need to pay the excess over the interest rate cap.

If you suspect that you have been charged an unjustified expense for consumer credit, you have the right not to pay the costs and ask the lender to verify the accuracy of the charges. If the costs are really unjustified, you will not be able to receive a default payment note for non-payment.

This is how you complain about unjustified credit

This is how you complain about unjustified credit

If you think you will be charged illegal or unjustified loan costs, do the following:

1. Ask your loan provider for details on the cost of your loan. If the charges are unjustified, complain to the loan provider and dispute your payment obligation. You can use the Complaints Assistant at the Consumer and Competition Bureau to make a complaint. You can also request support and advice from a consumer advisor.

2. In the event of a loan being recovered, please state the appropriate reason why the loan costs in question are unjustified and re-contest your claim. The recovery must be suspended if the situation is contested by, for example, the Consumer Disputes Board or the court. The recovery must be suspended until the disputed payments have been resolved.

3. If you receive an unauthorized payment malfunction note, request a remedy

One way to avoid suspicious loan costs is to apply for a loan only from trusted loan providers. The loan providers in our comparison are all registered with the Regional Government Office. Compare and find the best loan for you!

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A procedure for obtaining a debt settlement http://gpaoh.com/a-procedure-for-obtaining-a-debt-settlement/ http://gpaoh.com/a-procedure-for-obtaining-a-debt-settlement/#respond Mon, 27 May 2019 04:16:48 +0000 http://www.gpaoh.com/2019/05/27/a-procedure-for-obtaining-a-debt-settlement/   For any sum due, less than 4000 €, the creditor of a sum of money can now simply seize his bailiff to obtain a title (said executory) allowing the settlement of the debt. Invoice unpaid, sale not settled … When a debtor owed you money and the raises (verbal or written) did not give anything, you only had to […]

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For any sum due, less than 4000 €, the creditor of a sum of money can now simply seize his bailiff to obtain a title (said executory) allowing the settlement of the debt.

Invoice unpaid, sale not settled … When a debtor owed you money and the raises (verbal or written) did not give anything, you only had to go to court to obtain the forced recovery of the debt.

Simplified procedure

Simplified procedure

The so-called Macron law of 6 August 2015 introduced a simplified procedure for the recovery of small claims. Applicable since 1 June 2016 for any amount (principal and interest included) less than 4000 €, this procedure allows a creditor to seize the bailiff to obtain an enforceable title allowing the settlement of the debt.

Its course

Its course

This procedure can be implemented for any contractual claim (unpaid rent, service delivery bill, works invoice …) or resulting from a statutory obligation (contribution due to a pension fund, co-ownership …).

The creditor seizes a bailiff to obtain an enforceable title. This initiative can be carried out electronically, by completing a form describing the nature of the dispute and the amount of the unpaid sums, accompanied by supporting documents. The territorially competent usher is:

  • until 31 December 2016, the bailiff of the jurisdiction of the district court where the debtor has his domicile or his residence;
  • as from 1 January 2017, the bailiff of the jurisdiction of the court of appeal where the debtor has his domicile or his residence.

The bailiff then invites the debtor, by registered letter with acknowledgment of receipt request (LRAR), to participate in the procedure. The latter then has one month to:

  • accept the proposal of the bailiff. In this case, the bailiff proposes to him an agreement on the amount and the modalities of the payment of his debt. Once the agreement of the creditor and the debtor is obtained on the amount and the terms of the payment, it delivers an enforceable title. This title then allows the creditor to proceed to the forced execution of the agreement in case the debtor does not honor its commitments.
  • either express a refusal to participate in the procedure OR remain silent for the period of one month OR indicate that they do not agree on the amount or the terms of payment proposed. In this case, the simplified recovery procedure will end.

To recover his claim, the creditor will then necessarily have to go to the competent court.

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Revolving Credit http://gpaoh.com/revolving-credit/ http://gpaoh.com/revolving-credit/#respond Sat, 25 May 2019 05:41:17 +0000 http://www.gpaoh.com/2019/05/25/revolving-credit/ Transferring a revolving credit is a smart way to save on high costs every month. With revolving credit, you can withdraw repaid amounts, which means that you often pay a high variable interest. Sometimes it is better to transfer an existing loan to another provider and thus save on high costs. You don’t have to do that alone. You can […]

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Transferring a revolving credit is a smart way to save on high costs every month. With revolving credit, you can withdraw repaid amounts, which means that you often pay a high variable interest. Sometimes it is better to transfer an existing loan to another provider and thus save on high costs. You don’t have to do that alone. You can call in the help of Pierre Bezukhov for this. You can read here how that works.

 

Repeal revolving credit – Save high costs

Repeal revolving credit - Save high costs

Transferring a loan helps you avoid high costs. The team of Pierre Bezukhov will look for a low-cost provider or lender for you. Not only do we provide insight into your finances, we also look for a better lender. This way we ensure low monthly costs and you benefit from fewer costs for your loan. That sounds like music to your ears!

 

Merge Loans – How Does It Work?

Merge Loans - How Does It Work?

We can easily realize loans that include a revolving credit, for example. Although the term of your revolving credit may not be in sight yet, it can certainly pay off to take a closer look at this loan. Transferring an existing loan is handled without any problems thanks to the expert advisers of Pierre Bezukhov. Our team of experts looks at your personal situation and provides appropriate advice.

 

A Merge credit brings benefits

credit brings benefits

Refinancing a loan or multiple loans always gives you an advantage. Or you for this is eligible? You can do an online saving check on the website. This gives you a clear picture of your revolving credit and whether we can do anything for you. From our experience, we can tell you that it certainly lends a closer look at your current revolving credit. Our team of specialists will be happy to get started.

Request a free savings check now!

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Pay off debts with holiday pay http://gpaoh.com/pay-off-debts-with-holiday-pay/ http://gpaoh.com/pay-off-debts-with-holiday-pay/#respond Thu, 16 May 2019 04:35:29 +0000 http://www.gpaoh.com/2019/05/16/pay-off-debts-with-holiday-pay/ A shift can be seen in the spending of the annual holiday allowance. Consumers are increasingly using the holiday pay that employers pay out in May or June, to pay off debts or to eliminate payment arrears. In these months, 7% more is repaid in debt than in other months. Last year this was already done 10% more often compared […]

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A shift can be seen in the spending of the annual holiday allowance. Consumers are increasingly using the holiday pay that employers pay out in May or June, to pay off debts or to eliminate payment arrears. In these months, 7% more is repaid in debt than in other months. Last year this was already done 10% more often compared to a number of years before. The holiday pay is still used by the largest group for a holiday but the money used for other purposes is increasing.

Payment reminders

money

In the event of payment arrears, it pays to send a payment reminder to your customer around the payment of the holiday pay. During that period, the customer will more often be able to pay the outstanding amount.

Debts incurred for housing and care, for example, are (partly) repaid thanks to this ‘extra’ salary. In the case of debts you are not obliged to use the holiday pay to reduce the debt. Older people do this more often than younger people; they see that it is “wise” to keep the debt to a minimum. The holiday allowance gives the possibility to reduce the outstanding amount.

If you have a loan you can also use (part of) your holiday allowance to repay your loan free of charge.

If you have a loan you can also use (part of) your holiday allowance to repay your loan free of charge.

Whether you have a personal loan or a revolving credit, you can repay any two types of loan in the interim. You thereby reduce the total outstanding loan amount.

Merge loans

In the case of several outstanding debts with, for example, the tax authorities, health insurer, family and / or friends, employer or suppliers, it may be that the overview is gone. How high is the debt and which debt do you pay first?

Sometimes taking out a loan is the solution to get out of debt; you need money to pay off the debts. If you have several loans, merging the loans into one comprehensive loan gives clarity. It is also cheaper; you receive a new interest and new conditions. It is also true that the interest on one large loan is lower than the interest on several small loans separately.

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