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  • FIRST POST
    CDaniels1987
    has anyone heard of or used Clear Account before?
    • #1
    • 30th Nov 12, 1:16 PM
    has anyone heard of or used Clear Account before? 30th Nov 12 at 1:16 PM
    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?
    Disneyland Paris (Dream Castle) - January 2010
    Fuertaventura (Corralejo, Oasis Dunas) - March 2010
    Disneyland Paris (Dream Castle) - October 2010
    Disneyland Paris (Kyriad) - July 2011
Page 1
  • DCFC79
    • #2
    • 30th Nov 12, 1:25 PM
    • #2
    • 30th Nov 12, 1:25 PM
    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?
    Originally posted by CDaniels1987
    Need a bit of money for xmas for what exactly ?

    Got anything to sell to raise the funds ?
    Credit score/ratings don't exist, lenders don't see them.
  • CDaniels1987
    • #3
    • 30th Nov 12, 1:36 PM
    • #3
    • 30th Nov 12, 1:36 PM
    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
    Fuertaventura (Corralejo, Oasis Dunas) - March 2010
    Disneyland Paris (Dream Castle) - October 2010
    Disneyland Paris (Kyriad) - July 2011
    • MuffinTops
    • By MuffinTops 30th Nov 12, 1:36 PM
    • 1,372 Posts
    • 4,142 Thanks
    MuffinTops
    • #4
    • 30th Nov 12, 1:36 PM
    • #4
    • 30th Nov 12, 1:36 PM
    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.
    Credit Card Bill 3,738.57
    Savings 5,180.54 (approximately)

    Gold Pot Total = 1441.97
    (Aug 1441.97)
  • scottishblondie
    • #5
    • 30th Nov 12, 1:40 PM
    • #5
    • 30th Nov 12, 1:40 PM
    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?
    Originally posted by CDaniels1987
    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?
  • matilda1
    • #6
    • 30th Nov 12, 1:42 PM
    • #6
    • 30th Nov 12, 1:42 PM
    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
  • DCFC79
    • #7
    • 30th Nov 12, 1:44 PM
    • #7
    • 30th Nov 12, 1:44 PM
    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
    Originally posted by CDaniels1987
    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.
    Credit score/ratings don't exist, lenders don't see them.
  • tonyh66
    • #8
    • 30th Nov 12, 2:07 PM
    • #8
    • 30th Nov 12, 2:07 PM
    its a wind up, isn't it... Clear Account....... asking for internet bank details..............
    I can't believe anyone is so gullible.
    • rising from the ashes
    • By rising from the ashes 30th Nov 12, 2:10 PM
    • 12,236 Posts
    • 59,026 Thanks
    rising from the ashes
    • #9
    • 30th Nov 12, 2:10 PM
    • #9
    • 30th Nov 12, 2:10 PM
    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.
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76 375 / 1,000
    Vet Fund: 350.28 / 1,000
  • CDaniels1987
    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
    Fuertaventura (Corralejo, Oasis Dunas) - March 2010
    Disneyland Paris (Dream Castle) - October 2010
    Disneyland Paris (Kyriad) - July 2011
  • matilda1
    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
    • MuffinTops
    • By MuffinTops 30th Nov 12, 2:36 PM
    • 1,372 Posts
    • 4,142 Thanks
    MuffinTops
    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!
    Credit Card Bill 3,738.57
    Savings 5,180.54 (approximately)

    Gold Pot Total = 1441.97
    (Aug 1441.97)
  • 27col
    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.
  • Wutang
    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
    Originally posted by matilda1
    I have just been sick all over myself
    Hi, weve had to remove your signature. If youre not sure why please read the forum rules or email the forum team if youre still unsure - MSE ForumTeam
    • Better_Off_1983
    • By Better_Off_1983 1st Dec 12, 9:22 AM
    • 380 Posts
    • 493 Thanks
    Better_Off_1983
    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!!
    • sistafromanothermista
    • By sistafromanothermista 1st Dec 12, 10:03 AM
    • 2,155 Posts
    • 2,599 Thanks
    sistafromanothermista
    I have just been sick all over myself
    Originally posted by Wutang
    Far too 'christmasy for my liking
    DEBT FREE AND PROUD

    'Better to remain silent and be thought a fool than to speak out and remove all doubt'
  • EmmaHerts
    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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