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has anyone heard of or used Clear Account before?
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# 1
CDaniels1987
Old 30-11-2012, 1:16 PM
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Default has anyone heard of or used Clear Account before?

Ok so i need a bit of money for xmas, i know its high apr etc but it seems a lot better than a payday loan as you dont pay it all back in one go, however youbhave to give your internet banking details which i feel a bit anxious to do. Are they a legit company?
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# 2
DCFC79
Old 30-11-2012, 1:25 PM
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Quote:
Originally Posted by CDaniels1987 View Post
Ok so i need a bit of money for xmas, i know its high apr etc but it seems a lot better than a payday loan as you dont pay it all back in one go, however youbhave to give your internet banking details which i feel a bit anxious to do. Are they a legit company?
Need a bit of money for xmas for what exactly ?

Got anything to sell to raise the funds ?
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# 3
CDaniels1987
Old 30-11-2012, 1:36 PM
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Bills and presents, i cant get a loan because of my past (which is clear now) theres nothing i can really sell, i know what im getting into with them just want to make sure they are legit really
Disneyland Paris (Dream Castle) - January 2010
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# 4
MuffinTops
Old 30-11-2012, 1:36 PM
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Please don't give anyone your internet banking details. That gives them the same rights to your account as you have! Plus, by handing that out willingly I doubt you'll be covered if anything is ever taken for the duration of your time with that bank.
Mortgage 01 October 2012 = £61,000.00
Paid off 01 April 2014


Mortgage Free In Three (T3) No: 39
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# 5
scottishblondie
Old 30-11-2012, 1:40 PM
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Quote:
Originally Posted by CDaniels1987 View Post
Ok so i need a bit of money for xmas, i know its high apr etc but it seems a lot better than a payday loan as you dont pay it all back in one go, however youbhave to give your internet banking details which i feel a bit anxious to do. Are they a legit company?
They're scammers - giving someone your internet banking details will simply enable them to take whatever money you have.

Do not take a loan out for presents - do you really think your friends and family would be happy to get presents that you've put yourself into debt for?
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# 6
matilda1
Old 30-11-2012, 1:42 PM
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as above, what sort of friend or family would want you to go into debt to fund them a present, if you cannot afford it then be open and honest, true friends who are deserving of presents wont want them
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# 7
DCFC79
Old 30-11-2012, 1:44 PM
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Quote:
Originally Posted by CDaniels1987 View Post
Bills and presents, i cant get a loan because of my past (which is clear now) theres nothing i can really sell, i know what im getting into with them just want to make sure they are legit really
Bills are more important than present imo.

If your spending more than what you earn then go over to the debt free board and complete and SOA.

I know its not what you wnated to hear OP but im pretty sure your friends/family would understand about the no presents.

Last edited by DCFC79; 30-11-2012 at 2:15 PM.
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# 8
tonyh66
Old 30-11-2012, 2:07 PM
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its a wind up, isn't it... Clear Account....... asking for internet bank details..............
I can't believe anyone is so gullible.
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# 9
rising from the ashes
Old 30-11-2012, 2:10 PM
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Sorry but agree with everyone else - Christmas is just not worth getting into debt for ..... please try everything else before resorting to this or you'll end up spending next year having to pay it back and then probably in the same situation this time next year.

Friends & family will understand - have been there & done it.
Starting again - back on the frugal MSE journey
Groceries & Toiletries: Annual £2080
Coin jars ..... starting again having paid for my car tax!

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# 10
CDaniels1987
Old 30-11-2012, 2:24 PM
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Thanks for the replies, ive decided not to go down this route.... i just started panicking because i want nothing more than to give my family a good Christmas but i cant get into debt over it!

Thanks again
Disneyland Paris (Dream Castle) - January 2010
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# 11
matilda1
Old 30-11-2012, 2:26 PM
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The best christmas you can give your family is a smile on your face and for them to know you are trying to sort your finances out, merry xmas to you and your family
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# 12
MuffinTops
Old 30-11-2012, 2:36 PM
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Another good thing is to decide never to be in this position again, get yourself onto the DFW boards, start your diary and join challenges. This time last year I just started that and genuinely thought I didn't earn enough each month to cover my outgoings. Now I know I was so wrong and have a good surplus income.

If this can be your light bulb moment you're in for a great 2013!
Mortgage 01 October 2012 = £61,000.00
Paid off 01 April 2014


Mortgage Free In Three (T3) No: 39
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# 13
27col
Old 30-11-2012, 6:14 PM
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Glad that you have seen sense. Keep an accurate spending diary. You will find that it tells you many things about your spending that you either didn't know or were ignoring.
I can afford anything that I want.
Just so long as I don't want much.
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# 14
Wutang
Old 01-12-2012, 8:55 AM
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Quote:
Originally Posted by matilda1 View Post
The best christmas you can give your family is a smile on your face and for them to know you are trying to sort your finances out, merry xmas to you and your family
I have just been sick all over myself
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# 15
Better_Off_1983
Old 01-12-2012, 9:22 AM
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Dont bother get into debt for Christmas! Even though I am not debt- free, I am not bothering to go overboard this year!

Sometimes the gifts you give go missing or end up on ebay!

Its not worth it honestly! Just make sure the bills are up to date and the cupboards are well stocked!
DEBTFREE AND PROUD!!
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# 16
sistafromanothermista
Old 01-12-2012, 10:03 AM
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Quote:
Originally Posted by Wutang View Post
I have just been sick all over myself
Far too 'christmasy for my liking
£20,308----£0 in 24 months

America here I come!!
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# 17
EmmaHerts
Old 01-12-2012, 1:49 PM
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I was in a pound shop yesterday and they had some decent 'token' gifts. Why don't you have a look 'round the 99p stores, etc?
I post on the board with my phone and auto-correct can make me look like a damn fool!
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