smeggin' loan companies!!!

[K-Kow]

we are in the financial S**T @ the mo, we are left with just £4 a week 2 live off, anyways cant get a decent loan becuase we have late payments on our credit history from catalogues, the root of all evil, lol (duh! thats why we want the loan!) not only that, but just because we are tenants,plus we've just moved, which apparentlygoes against us, means we cant keep up repayments! sodin stupid companies. and the ones that will lend us the dosh want to charge between 50% and 177% apr!!!!!!

We only want to borrow a small amount, and dp earns 7 x that amount p.a SO WHATS THEY'RE PROBLEM!?!?!?!?

I just want to get sorted cuz i'm sick of being kept awake at night worrying and living off pasta. :hissyfit:

rant over

[Ravenfire]

Oh no sorry to hear that, can the CAB help at all?

[K-Kow]

they just tell us to ask them to reduce our payments, but we're no better off doint that, cuz they'll only do it for a couple of months, then your repayments are even higher.

[Seren]

I would really advise you to talk to someone like these (www.cccs.co.uk) maybe some long term advise might help.

Hope things get better soon

[K-Kow]

ok, calmed down now.
Bil reccommended we go to my bank, so we did (not feeling very hopeful) and they gave us a loan!!!!

Rather than just going on my credit rating, they looked at our outgoings now, and what our outgoings would be with the loan repayments after clearing catalogues, and had the £ in my account in 5 mins!!!

Feel a huuuuuge sense of relief now.
only problem is i had a deal, with dp depending if we got the loan or not, and he won, uh-oh! but thats another story!

[angel1980]

Glad you got something sorted.

[twiglet333]

what bank are you with???

[K-Kow]

HSBC, the woman we spoke to was fantastic. They're really helpful and give you loads of advice.

[Jen]

Glad you have it all sorted

[Rhianydd]

glad you managed to sort it out

[K-Kow]

and i was sooooo good! everyone one was telling us to take out mre than we needed, but we only borrowed what we needed with a little extra incase the washing machine or fridge etc broke, so we'd have the £ saved so we dont ever resort to catalogues again :clapping:

Thanks for the advice girls.

[angeleyes]

Glad you got it sorted x x x

[Shiraz]

Glad you manage to sort it hun! xxxx