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Author people with credit problems
paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
24th Jul 07 at 21:30   View User's Profile U2U Member Reply With Quote
basically im after names of loan companies that people are with that have poor credit ratings as i fcuked mineup when i was younger credit cards etc,

am wanting to get a loan to pay off some money i owe to a member and possibly a new car so suggestions on a postcard please
Tommy
Member
Registered: 24th Aug 00
Location: Essex, Colchester
User status: Offline
24th Jul 07 at 21:30   View User's Profile U2U Member Reply With Quote
Pray
Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
24th Jul 07 at 21:31   View User's Profile U2U Member Reply With Quote
try a credit union
paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
24th Jul 07 at 21:32   View User's Profile U2U Member Reply With Quote
whats a credit union kerry??
Tommy
Member
Registered: 24th Aug 00
Location: Essex, Colchester
User status: Offline
24th Jul 07 at 21:35   View User's Profile U2U Member Reply With Quote
A place to go and pray
paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
24th Jul 07 at 21:37   View User's Profile U2U Member Reply With Quote
i do pray...that people put sensible answers on peoples threads dunt work though does it
Mark1984_SRI
Member
Registered: 7th Feb 06
Location: Preston
User status: Offline
24th Jul 07 at 21:39   View User's Profile U2U Member Reply With Quote
http://www.first4london.com/directory/Financial_Services/Loans/Poor_Credit/

Dun't know if this is any good mate, just pasted the first thing i found
Jamie
Member
Registered: 1st Apr 02
Location: Aberdeen
User status: Offline
24th Jul 07 at 21:39   View User's Profile U2U Member Reply With Quote
Your mad. I'd listen to them to be honest.
Kerry
Member
Registered: 5th Oct 01
Location: Norwich
User status: Offline
24th Jul 07 at 21:39   View User's Profile U2U Member Reply With Quote
http://www.abcul.org/page/about/intro.cfm
Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
24th Jul 07 at 21:41   View User's Profile U2U Member Reply With Quote
If it was me...Id work on sorting out your credit through various ways before going and taking a loan.
paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
24th Jul 07 at 21:45   View User's Profile U2U Member Reply With Quote
cheers kerry,

cosmo i am trying at the min, ie trying to stay within credit limit, making sure anything on credit card is paid off etc.

edit - spellings

[Edited on 24-07-2007 by paul.mitchell1984]
ed
Member
Registered: 10th Sep 03
User status: Offline
24th Jul 07 at 21:46   View User's Profile U2U Member Reply With Quote
God, that sounds like something from the niggers sketch that Chris Rock did a while back.
paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
24th Jul 07 at 21:47   View User's Profile U2U Member Reply With Quote
what does?
ed
Member
Registered: 10th Sep 03
User status: Offline
24th Jul 07 at 21:50   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by paul.mitchell1984
cosmo i am trying at the min, ie trying to stay within credit limit, making sure anything on credit card is paid off etc.


[Edited on 24-07-2007 by ed]
Tom J
Organiser: South Wales
Premium Member

Registered: 8th Sep 03
Location: Bridgend
User status: Offline
24th Jul 07 at 22:04   View User's Profile U2U Member Reply With Quote
how bad is your credit rating? have you done a check on credit expert or experian etc
TheCam
Member
Registered: 16th Mar 07
Location: Kirkcaldy
User status: Offline
24th Jul 07 at 22:58   View User's Profile U2U Member Reply With Quote
i fucked mine up a while back by cutting off a DD to an insurance company as they wouldnt cancel my insurance. i got a loan from welcome finance since then tho
Gg_mf
Member
Registered: 10th Oct 05
Location: Brighouse
User status: Offline
25th Jul 07 at 07:02   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by cam1
i fucked mine up a while back by cutting off a DD to an insurance company as they wouldnt cancel my insurance. i got a loan from welcome finance since then tho


oh my word! lol...and you are paying it back at what %. Borrow 150...pay 300 back kind of thing. lol
TheCam
Member
Registered: 16th Mar 07
Location: Kirkcaldy
User status: Offline
25th Jul 07 at 07:23   View User's Profile U2U Member Reply With Quote
Borrowed 2000 paying back 3000 Im 18
Gg_mf
Member
Registered: 10th Oct 05
Location: Brighouse
User status: Offline
25th Jul 07 at 07:32   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by cam1
Borrowed 2000 paying back 3000 Im 18


Are you sure that you messed up you credit rating by cancelling a DD. Because when i was 18 i was unable to get credit anywere because your so young and no credit history.
Sam
Moderator
Premium Member

Registered: 24th Dec 99
Location: West Midlands
User status: Offline
25th Jul 07 at 07:32   View User's Profile U2U Member Reply With Quote
Have you approached your bank?
ed
Member
Registered: 10th Sep 03
User status: Offline
25th Jul 07 at 08:04   View User's Profile U2U Member Reply With Quote
Probably not as that would be the logical thing to do.
dannymccann
Member
Registered: 9th Aug 06
Location: Doddington, Lincolnshire
User status: Offline
25th Jul 07 at 08:53   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Gg_mf
quote:
Originally posted by cam1
Borrowed 2000 paying back 3000 Im 18


Are you sure that you messed up you credit rating by cancelling a DD. Because when i was 18 i was unable to get credit anywere because your so young and no credit history.


Unless your a student, can get student credit card

Are you a student Paul or in college studying or anything? cos if you are can get student bank accounts with the associated credit? might help...
paul.mitchell1984
Member
Registered: 31st Aug 06
Location: Wakefield
User status: Offline
25th Jul 07 at 08:58   View User's Profile U2U Member Reply With Quote
yes i have aproached my bank ed as it was the logical thing to do....they basically said not at the minute because of my overdraft issue and to try again in 3 - 6 months
ed
Member
Registered: 10th Sep 03
User status: Offline
25th Jul 07 at 13:33   View User's Profile U2U Member Reply With Quote
Then you don't want to get a loan out at the moment. You need to sor out your debts and then you can start buying crap on credit.

Any company that is going to give you a loan is going to scam you and charge you stupid ammounts of interest. Do you really need that over your head for the next few years?
Steve X16XE
Member
Registered: 31st Dec 06
Location: Barnsley, South Yorkshire
User status: Offline
25th Jul 07 at 13:57   View User's Profile U2U Member Reply With Quote
One of my mates bro has a lone that is something stupid like 150% aer. He'll never pay it off.

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