Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
|
Really fucked off.
I've been saving for a while to get rid of my credit card, but spent most of the money on my car, so i apllied for a loan to pay off my credit card as i keep on using it. So i applied for a loan, got accepted as by Yes Loans, and have an acceptance letter dated 1/2/07, not in any rush for it but it's now been 16 days and no money yet the £49.50 charge was taken out of my account.
So i phone them today and after waiting 20 minutes for someone to be available after giving all my details the bird says i was declined the credit! I was like WTF!!!!! I was expecting her to say funds are being transferred!!
I then find out Yes Loans is a broker and the £49.50 charge was the cost of them looking for a loan for me!!!! they are now sending me new forms as i need to get someone over 25 to act as a guarantor!!
 pisstake.
|
Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
|
You're always better getting the loan from the credit card provider.
|
Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
|
quote:
Originally posted by loafofbrett
You're always better getting the loan from the credit card provider.
i can't as i was such a prick with it the declined me!!!! Now getting it all sorted.
|
Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
|
I bet you £100 if you said "give me a loan to pay off the total card amount and you can close the card" they would.
|
Rachel H
Member
Registered: 12th Nov 03
Location: Berks
User status: Offline
|
You need to sort your life out mate.
|
Ally
Member
Registered: 2nd Jul 03
Location: Pontypool Drives: a Skoda
User status: Offline
|
I used to work for yes loans
DO NOT GET A LOAN WITH THEM
DO NOT GET A LOAN FULL STOP.
|
Cupra Steve
Banned
Registered: 7th Nov 06
User status: Offline
|
quote:
Originally posted by Rachel H
You need to sort your life out mate.
in the process!
|
pdwhelan
Member
Registered: 25th Sep 06
Location: Wigan
User status: Offline
|
i paid £50 for a "loan" once,, they say its all gauranteed wich is bull shit. then so many days later i get told i have been refused. So i phone another loan company and they said ok there is a charge of £50, i asked if this get me a loan 100% and guess what they said no, so i said errm no thanks bye
[Edited on 16-03-2007 by pdwhelan]
|
Tommy L
Member
Registered: 21st Aug 06
Location: Northampton Drives: Audi wagon
User status: Offline
|
debt is a bad thing
|
ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
|
what a numpty
yes loans are a broker and they are nutoriuos(sp) for doing that
always search for reviews before doing anything
[Edited on 16-03-2007 by ShEp]
|
pdwhelan
Member
Registered: 25th Sep 06
Location: Wigan
User status: Offline
|
yep dept is bad. im only 5-7k in dept, most people would have this amount under control (not me though ).. i struggle every month and i will pay at least one of my direct debits. car insurance mainly but if i miss it i will always pay it a few days later or when they request it again, as for the other debts.. fuck em, as long as i can have a life right now im not arsed
|
ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
|
i have no debt, never borrowed to get a car, just worked and saved
oh i owe my dad around £600 though 
|
Mather.16v
Member
Registered: 1st Nov 04
Location: Stockport
User status: Offline
|
a start maybe would be to live by your means.....
|
Conway563
Member
Registered: 7th Jun 06
Location: Yate, Bristol
User status: Offline
|
I was in £11.5k of debt a year ago. Only £1800 left now which should be gone in 3 weeks 
|
Robin
Premium Member
Registered: 7th Jan 04
Location: Northants Drives: Clio 182 Cup
User status: Offline
|
quote:
Originally posted by Ally
DO NOT GET A LOAN FULL STOP.
Totally agree.
I have 8k hanging over my head for the next 3.5 years, I borrowed 8, and have only just (after 18 months) got back to that figure.
|
Ben D
Member
Registered: 25th Apr 05
Location: South West
User status: Offline
|
Never had a Credit Card or loan personally, would rather save and buy something than pay interest all for the sake of beeing impatient
Besides it's a mugs game, my mates 25 and has about 22k of debt through loans and Credit cards, not much to show for it and most of his wages go towards paying them off, he's not moving out of his mums till they are all paid off...he's got 4/5 years left 
NEVER GET A LOAN IF YOU CAN AFFORD SOMETHING SAVE FOR IT
|
SAL
Premium Member
Registered: 19th Dec 05
Location: Radlett, Hertfordshire
User status: Offline
|
i have a 1200 overdraft atm and im goin to pay 600 this month and then 600 next month instead of spunking it onthe car
then may pay day i want to put 600 in an isa and do the same for the rest of the year 
[Edited on 16-03-2007 by stavs]
|
