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Dave M

 posted on 18th Aug 04 at 16:00

virgin loans are the best


Teddy

 posted on 18th Aug 04 at 14:44

quote:
Originally posted by PaulW
i had alot of trouble etting a loan too as I had no credit history.

what didnt help too was i was living with parents so had nothing to secure it on & un-secured loans are more dependable on a solid credit history whereas secured loans are on the house so if you fcuk up they get the house...


If its wanted that bad - mobile phone and credit cards are awesome for Credit history.

I managed to get an unsecured personal loan for 22.5k whilst still living at home with parents.


Scandalous

 posted on 18th Aug 04 at 14:26

I seriously regret taking out a loan now along with 3 cred cards, taking an age to pay em back, saving is the way to go if u want something.


Wayne

 posted on 18th Aug 04 at 13:53

quote:
Originally posted by Mug shot
quote:
Originally posted by lazerbluesxi
£8200 i owe whooops :lol:

is that it !!!


yep and thank god its only that as well, god help you if youve got more :lol:


JJ

 posted on 18th Aug 04 at 13:48

www.lombarddirect.com 5.9 apr and good at helping people with little or no credit info... the most important part of a credit history is your electoral roll information so make sure ur on it and keep it up to date every year... or credit companys will not be able to trace you to your address and decline yo ass ;)


Mug shot

 posted on 18th Aug 04 at 13:46

quote:
Originally posted by lazerbluesxi
£8200 i owe whooops :lol:

is that it !!!


L330wnz

 posted on 18th Aug 04 at 13:38

:lol: I ave a loan but dont regret it, go to Egg :thumbs:


Wayne

 posted on 18th Aug 04 at 13:37

£8200 i owe whooops :lol:


Wayne

 posted on 18th Aug 04 at 13:36

fook it u onli live once init every1 is in dept to someone but some are alot more in dept :lol::lol:


Tom

 posted on 18th Aug 04 at 13:30

And me :lol:


Wayne

 posted on 18th Aug 04 at 13:20

quote:
Originally posted by Teddy
quote:
Originally posted by Ojc
Alliance & Leicester

But why do you want a loan? Loans are evil.


Word of warning - keep clean and owe noone anything.
You are talking to somewith with experience who signed to much paper.

Better off saving and having it with your own cash get more satification that way as well.

Im 22 years old the snowball started when i was 18 and i wont be clear until im 31 :(


pretty much like me then:o


PaulW

 posted on 18th Aug 04 at 13:16

i had alot of trouble etting a loan too as I had no credit history.

what didnt help too was i was living with parents so had nothing to secure it on & un-secured loans are more dependable on a solid credit history whereas secured loans are on the house so if you fcuk up they get the house...


turbodreams

 posted on 18th Aug 04 at 13:16

quote:
Originally posted by Teddy
quote:
Originally posted by Ojc
Alliance & Leicester

But why do you want a loan? Loans are evil.


Word of warning - keep clean and owe noone anything.
You are talking to somewith with experience who signed to much paper.

Better off saving and having it with your own cash get more satification that way as well.

Im 22 years old the snowball started when i was 18 and i wont be clear until im 31 :(




you can get a settlement Fee.


Teddy

 posted on 18th Aug 04 at 13:14

quote:
Originally posted by Ojc
Alliance & Leicester

But why do you want a loan? Loans are evil.


Word of warning - keep clean and owe noone anything.
You are talking to somewith with experience who signed to much paper.

Better off saving and having it with your own cash get more satification that way as well.

Im 22 years old the snowball started when i was 18 and i wont be clear until im 31 :(


morrisdaboss

 posted on 18th Aug 04 at 11:12

cahoot are really cheap - when i was looking at a loan it was 6.4% variable or 6.5% fixed. i also had no previous credit rating but it was not a prob.:thumbs:


ajscorsa

 posted on 18th Aug 04 at 10:56

loans aint eveil , the people who give u em are


Ojc

 posted on 18th Aug 04 at 10:29

Alliance & Leicester

But why do you want a loan? Loans are evil.


ajscorsa

 posted on 18th Aug 04 at 10:19

egg is where i got mine and im only 18 :)


Robbo

 posted on 18th Aug 04 at 10:08

Egg


harry23

 posted on 18th Aug 04 at 10:05

wot i dont get is ive had the same job for 3 years, never had any money problems at all so didnt bother with a credit card but now everyones turning me down 4 a loan coz i aint got any credit history!? to sum it all up decided id get a credit card so went into bank and they turned me down!!
ne one no any places its easy to get a loan from coz i know the car i want but cant get the money