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  • FIRST POST
    • Justina1996
    • By Justina1996 12th Sep 17, 1:29 PM
    • 1Posts
    • 1Thanks
    Justina1996
    Rejected by all loan companies
    • #1
    • 12th Sep 17, 1:29 PM
    Rejected by all loan companies 12th Sep 17 at 1:29 PM
    I need 50 pounds emergency cash and i tried to borrow from small payday loan companies but my application got declined. I'm fully employed and the largest amount I borrowed was 100 pounds from quickquid and I'm still giving them the amount every month. I can't ask family or friends because they are struggling themselves. Is there any hope to get those little money until my payday or should I just forget it sorry I'm writing this nearly crying, hopefully someone will reply
Page 1
    • molerat
    • By molerat 12th Sep 17, 1:38 PM
    • 17,012 Posts
    • 11,187 Thanks
    molerat
    • #2
    • 12th Sep 17, 1:38 PM
    • #2
    • 12th Sep 17, 1:38 PM
    The problem you have is trying to get another payday loan whilst still paying one off. You need to get across to the DFW board, many posters on there who can help with suggestions, and stop applying for more loans.
    www.helpforheroes.org.uk/donations.html
    • DCFC79
    • By DCFC79 12th Sep 17, 1:43 PM
    • 29,965 Posts
    • 18,976 Thanks
    DCFC79
    • #3
    • 12th Sep 17, 1:43 PM
    • #3
    • 12th Sep 17, 1:43 PM
    Why are you after a small amount ?

    Will the same happen next month ?
    Can people stop loaning money/being a guarator to family/friends, it rarely ends well and you lose out as your money is gone or you get shafted with being a guarantor.
    • marliepanda
    • By marliepanda 12th Sep 17, 1:48 PM
    • 4,666 Posts
    • 9,343 Thanks
    marliepanda
    • #4
    • 12th Sep 17, 1:48 PM
    • #4
    • 12th Sep 17, 1:48 PM
    What do you need it for? is there a way to work around it (ie if its for food, what do you have in the cupboards already etc)

    Failing that, what do you have to sell that will sell quickly?
    Survey Earnings 2017 - £163
    • keepcalmandstayoutofdebt
    • By keepcalmandstayoutofdebt 12th Sep 17, 2:10 PM
    • 2,837 Posts
    • 1,482 Thanks
    keepcalmandstayoutofdebt
    • #5
    • 12th Sep 17, 2:10 PM
    • #5
    • 12th Sep 17, 2:10 PM
    Go and pawn something or speak to your employer.
    Not unheard of things, but things I'd sooner be doing then keep trying something which isn't going to work. An phone unused got around £30 in one of the national high street stores one time.

    If you work for a large company, an employee line might be able to help with debt counselling as you are feeling so bad.

    Fortunately I'm a temp and so have to put money away because I know one day my employment shall end, it's actually really helping getting the right mind set.
    "If you are caught in a rainstorm, once you accept that you'll receive a soaking, the only thing left to do is enjoy the walk"
    • Tarambor
    • By Tarambor 12th Sep 17, 6:12 PM
    • 1,161 Posts
    • 801 Thanks
    Tarambor
    • #6
    • 12th Sep 17, 6:12 PM
    • #6
    • 12th Sep 17, 6:12 PM
    Sell something. You're posting on the forum, are you using a computer or tablet? Sell that.
    • TrustyOven
    • By TrustyOven 12th Sep 17, 6:32 PM
    • 606 Posts
    • 639 Thanks
    TrustyOven
    • #7
    • 12th Sep 17, 6:32 PM
    • #7
    • 12th Sep 17, 6:32 PM
    Sell something. You're posting on the forum, are you using a computer or tablet? Sell that.
    Originally posted by Tarambor
    Then how will they get additional feedback / help?

    I mean, they are wearing clothes. Maybe they should sell that too?

    Surely there'd be better things to sell?
    Goals
    Save £12k in 2017 #016 (£4212.06 / £10k) (42.12%)
    Save £12k in 2016 #041 (£4558.28 / £6k) (75.97%)
    Save £12k in 2014 #192 (£4115.62 / £5k) (82.3%)
    • Arleen
    • By Arleen 12th Sep 17, 7:01 PM
    • 946 Posts
    • 696 Thanks
    Arleen
    • #8
    • 12th Sep 17, 7:01 PM
    • #8
    • 12th Sep 17, 7:01 PM
    Then how will they get additional feedback / help?

    I mean, they are wearing clothes. Maybe they should sell that too?

    Surely there'd be better things to sell?
    Originally posted by TrustyOven
    There always is cheaper phone tablet available unless you are already on some 3-yo panda.
    • BrassicWoman
    • By BrassicWoman 12th Sep 17, 8:01 PM
    • 1,304 Posts
    • 5,417 Thanks
    BrassicWoman
    • #9
    • 12th Sep 17, 8:01 PM
    • #9
    • 12th Sep 17, 8:01 PM
    what's the emergency?

    have you tried
    - foodbank?
    - crisis loan?
    - cash 4 clothes
    - pawn shop
    - sell tv or similar via facebook
    - check nectar and boots cards for points

    We generally advise against posters helping people out directly as we have no way of knowing if you are genuine or a scammer I am afraid; but we can usually find helpful suggestions if we knw wat you need the cash for!
    Downsized and mortgage free
    September 17 grocery challenge £64.28/£100
    • stevenhp1987
    • By stevenhp1987 12th Sep 17, 10:10 PM
    • 368 Posts
    • 333 Thanks
    stevenhp1987
    Then how will they get additional feedback / help?

    I mean, they are wearing clothes. Maybe they should sell that too?

    Surely there'd be better things to sell?
    Originally posted by TrustyOven
    If they are using an iPad, they can sell it and buy a cheap £30 tablet?

    Ways to "make" money and still allow access to the Internet!
    • Richey_
    • By Richey_ 13th Sep 17, 6:57 AM
    • 217 Posts
    • 248 Thanks
    Richey_
    When you say you are giving Quickquid money every month, for how many months?
    Reason why I ask this is that Quickquid only lend for s maximum of three months unless you speak to them and come to a separate arrangement. If you do and it changes the contractual terms you initially signed up for and it is likely they will register a default on the credit agency websites. A recent default will be a complete no for near enough any loan company for the time being. Did you miss or were you late with any payments? Also having a payday loan on your recent credit history may put off more manstream lenders from lending to you.

    What is the money for?
    If you got the money could you actually afford to repay it with interest next month and not need to borrow more money? Otherwise it becomes a monthly cycle.
    It may be worth completing a SOA and list your incoming and outgoing monies to have a true reflection and see if you can save money at all to repay some of this debt.
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