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  • FIRST POST
    • krisid
    • By krisid 8th Jan 18, 12:49 AM
    • 5Posts
    • 0Thanks
    krisid
    My first loan
    • #1
    • 8th Jan 18, 12:49 AM
    My first loan 8th Jan 18 at 12:49 AM
    Hello to everyone.I know some of you won't like that my first post in the forum is for a case like this but it's urgent to me and i'll be honest with my story.ell I'm in London for 3 months,I came here because of the job opportunities which are much more and much better paid than in my motherland.I have some problems from the begging to open a bank account and I work a cash paid job since the third day I arrived.5 days ago I got a temporary Monese bank account.The problem is in the proof of address and I'll get it very soon and I'll change my job as an employee with much better pay rate.Since now I have no loans but this Sunday I will urgently need 560 pounds for my rental movement(I will pay a monthly rent since now I paid weekly).I will save 300 from my job but I can't get the other 260.I tried to find daily paid additional job after 5 pm or night shifts but I can't find (if someone can provide me this will be the best solution and i will be thankful from all my hearth).But the last option is a fast loan without income proof because I get cash paid and without bank history because I have monese debit card without movements.Do you think that is possible?I need the money just for 2 weeks because I save around 300 weekly. I can change my rental but I like my landlords a lot.I know some of you will think I am a refugee but believe me I'm not here to take a 260 pounds loan and abandon UK for a sum like this.I am sorry if I wasted your time i am realIy solo here and maybe you'll understand the urgecy of my situation if you get in one(i hope you do not) but i hope someone will answer me.Thanks and be happy
    Last edited by krisid; 08-01-2018 at 1:06 AM.
Page 1
    • DCFC79
    • By DCFC79 8th Jan 18, 1:02 AM
    • 30,645 Posts
    • 19,372 Thanks
    DCFC79
    • #2
    • 8th Jan 18, 1:02 AM
    • #2
    • 8th Jan 18, 1:02 AM
    Hello to everyone.I know some of you won't like that my first post in the forum is for a case like this but it's urgent to me and i'll be honest with my story.ell I'm in London for 3 months,I came here because of the job opportunities which are much more and much better paid than in my motherland.I have some problems from the begging to open a bank account and I work a cash paid job since the third day I arrived.5 days ago I got a temporary Monese bank account.The problem is in the proof of address and I'll get it very soon and I'll change my job as an employee with much better pay rate.Since now I have no loans but this Sunday I will urgently need 560 pounds for my rental movement(I will pay a monthly rent since now I paid weekly).I will save 300 from my job but I can't get the other 260.I tried to find daily paid additional job after 5 pm or night shifts but I can't find (if someone can provide me this will be the best solution and i will be thankful from all my hearth).But the last option is a fast loan without income proof because I get cash paid and without bank history because I have monese debit card without movements.Do you think that is possible?I need the money just for 2 weeks because I save around 300 weekly. I can change my rental but I like my landlords a lot.I know some of you will think I am a refugee but believe me I'm not here to take a 260 pounds loan and abandon UK for a sum like this.I am sorry if I wasted your time I hope someone will answer me.Thanks and be happy
    Originally posted by krisid
    Your rental movement, so are you moving ?

    No 1 on here will provide you with a part time, no 1 knows where you live anyway.

    You say this sunday so do you mean sunday the 15th ?

    If you cant find evening work then Im afraid I dont know of a way you can get the money you need in the short time. Look at cheaper places to rent, even if just a room.
    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.
    • krisid
    • By krisid 8th Jan 18, 1:16 AM
    • 5 Posts
    • 0 Thanks
    krisid
    • #3
    • 8th Jan 18, 1:16 AM
    • #3
    • 8th Jan 18, 1:16 AM
    Hello and thanks for answer.Yes,I am moving with my landlords on 14th in a new house.I don't have any savings by now so even if I move i should pay close amount for a new deposit and a week rental.So the problem is not in the rent amount but that I don't have savings by now but there wasn't work every day.I can't change work before I pay for next week rent because no one will pay me on the first week.Btw I live in North London near Manor house underground st if it matters but I don't think it does for employer because I get everywhere for short time.Any other options folks?Thanks again!
    • Arleen
    • By Arleen 8th Jan 18, 2:41 AM
    • 1,118 Posts
    • 843 Thanks
    Arleen
    • #4
    • 8th Jan 18, 2:41 AM
    • #4
    • 8th Jan 18, 2:41 AM
    Speak to the landlord and try to cut a deal, or failing that speak with your new employer about this, maybe they can help. Without a fixed address or job you won't even get a payday loan, so it's out of the question.
    • krisid
    • By krisid 8th Jan 18, 9:08 AM
    • 5 Posts
    • 0 Thanks
    krisid
    • #5
    • 8th Jan 18, 9:08 AM
    • #5
    • 8th Jan 18, 9:08 AM
    Hi.Thanks for answering.I spokemwitg my landlord and there are no other options because they pay a large sum for deposit.I still haven't switch the job and I can't get paid here in advance.But I have a fixed address where they can contact me just do not have the proof like bill or etc and have work so its not a problem to return the money.Cmon,its 260 pounds isn't there really no options about sum like this?Thanks!
    • zx81
    • By zx81 8th Jan 18, 9:10 AM
    • 14,965 Posts
    • 15,823 Thanks
    zx81
    • #6
    • 8th Jan 18, 9:10 AM
    • #6
    • 8th Jan 18, 9:10 AM
    Sell or pawn stuff.
    • Aspiration
    • By Aspiration 8th Jan 18, 10:10 AM
    • 154 Posts
    • 47 Thanks
    Aspiration
    • #7
    • 8th Jan 18, 10:10 AM
    • #7
    • 8th Jan 18, 10:10 AM
    Go back to your landlord, if it's only for a week this is your best chance of resolving it. £300 a week is alot to save per week so shouldn't be an issue going forward
    Barclaycard - £11,600 £13,050
    Lloyds - £8750 now £8088
    Barc Plat - £7258 now £6900
    Santander - £2928 £0
    Debt figure - £30,536 £28,038 Start date 12/10/2015, DF Tgt 01/06/2018
    Loan £25,000 now £5800 - Refinanced car/Prop work - £17,650 - 01/09/17 - £16,865
    • dealer wins
    • By dealer wins 8th Jan 18, 10:56 AM
    • 5,610 Posts
    • 10,545 Thanks
    dealer wins
    • #8
    • 8th Jan 18, 10:56 AM
    • #8
    • 8th Jan 18, 10:56 AM
    You have zero chance of a loan, so plan your next few weeks with that in mind.
    All replies are super fluffy and nice, and newbies are so lovely and welcome. PPR never again!
    • krisid
    • By krisid 8th Jan 18, 11:09 AM
    • 5 Posts
    • 0 Thanks
    krisid
    • #9
    • 8th Jan 18, 11:09 AM
    • #9
    • 8th Jan 18, 11:09 AM
    OK.Thanks for answers.It seems this is the world nowadays.People prepare with years their banking history to do frauds for millions only with false information of more income and etc but you can't take a loan for amount like this because "you are too risky". No way to get paid daily,you must hope when you start to work to get paid on time at all no options if you need any money.Welcome to the new world where you should be a good prepared liar and you can get rich.Doesn't matter thanks for wasted time reading my problem and answers.
    • PeacefulWaters
    • By PeacefulWaters 8th Jan 18, 1:13 PM
    • 7,561 Posts
    • 9,481 Thanks
    PeacefulWaters
    OK.Thanks for answers.It seems this is the world nowadays.People prepare with years their banking history to do frauds for millions only with false information of more income and etc but you can't take a loan for amount like this because "you are too risky". No way to get paid daily,you must hope when you start to work to get paid on time at all no options if you need any money.Welcome to the new world where you should be a good prepared liar and you can get rich.Doesn't matter thanks for wasted time reading my problem and answers.
    Originally posted by krisid
    Congratulations on the most bizarre MSE rant of the day so far. Well done!
    • dealer wins
    • By dealer wins 8th Jan 18, 6:38 PM
    • 5,610 Posts
    • 10,545 Thanks
    dealer wins
    Got to be a wind up this OP surely lol
    All replies are super fluffy and nice, and newbies are so lovely and welcome. PPR never again!
    • Sncjw
    • By Sncjw 8th Jan 18, 7:09 PM
    • 1,550 Posts
    • 943 Thanks
    Sncjw
    So you moved to the UK with out any savings what so ever. Brilliant plan
    • krisid
    • By krisid 8th Jan 18, 7:13 PM
    • 5 Posts
    • 0 Thanks
    krisid
    I don't get your sarcastic comment and abbreviations,deaer.I'm just saying the truth about loan frauds for years by "secure" clients.The post can be deleted because there is no useful info and seems there is no solution and spam is coming I can feel the hate more and more.Thanks to these who didn't hate.
    Last edited by krisid; 08-01-2018 at 7:21 PM.
    • lildoonbuggy
    • By lildoonbuggy 8th Jan 18, 7:20 PM
    • 36 Posts
    • 114 Thanks
    lildoonbuggy
    OP I feel like you really need to think about your situation differently. You came to England for better work opportunities and you have been very lucky indeed to land on your feet very quickly. You have rented a house without a deposit it seems, without a bank account and without a history in the UK, and have found a job that will pay you in cash whilst you sort out your bank issues.

    I am assuming you have a national insurance number, as it is illegal to work without one. With that in mind there are thousands of unskilled jobs in London (especially as delivery drivers, couriers, agency work etc) of which im sure you will find some willing to pay cash. But the real issue here is you are getting annoyed at others for not fixing your situation for you.

    You were the one who traveled to a new country, with English as a second language and no apparent family or friendly connections, nor savings to support you. Your current situation is entirely predictable, and only you have the tools and knowledge to get you out of it. I would suggest borrowing money from family and friends, or negotiating with your landlord/work as others previously mentioned. I think you should also take a big breath to appreciate how lucky you have been to make it so far without planning. I say this as a fellow immigrant who saved for more than a year to come here, and has worked very hard to build a life up in the UK over the past 2 years. If you want to live in this country and make it the opportunity you say you want it to be, then it's time to start being responsible.
    • C.M.
    • By C.M. 8th Jan 18, 11:41 PM
    • 53 Posts
    • 103 Thanks
    C.M.
    Lildoonbuggy - it is in no way illegal to work without an NI number!

    Please don't spread false information. When a person comes to the UK it can take weeks to get an appt with HMRC to get their NI number. So long as they have a valid right to work, based on the rules laid out by the home office, they are fully entitled to work while waiting on their application being processed.
    • Arleen
    • By Arleen 8th Jan 18, 11:50 PM
    • 1,118 Posts
    • 843 Thanks
    Arleen
    Lildoonbuggy - it is in no way illegal to work without an NI number!

    Please don't spread false information. When a person comes to the UK it can take weeks to get an appt with HMRC to get their NI number. So long as they have a valid right to work, based on the rules laid out by the home office, they are fully entitled to work while waiting on their application being processed.
    Originally posted by C.M.
    You apply with jobcenter plus for NINo, not HMRC. And while you can working while waiting for it to processed, you must apply before taking employment, which usually takes only matter of days, not weeks. If it takes weeks in local JCP, use a different one.
    • lildoonbuggy
    • By lildoonbuggy 9th Jan 18, 8:25 AM
    • 36 Posts
    • 114 Thanks
    lildoonbuggy
    Calm your beans CM. I don't see how that's misleading whatso
    • lildoonbuggy
    • By lildoonbuggy 9th Jan 18, 8:34 AM
    • 36 Posts
    • 114 Thanks
    lildoonbuggy
    Calm your beans CM. I don't see how that's misleading whatsoever - the national insurance number is used for tax purposes and given the OPs spurious remarks, some now kindly removed, I wanted to make clear that untaxed cash in hand work is illegal. Anyone doing the right thing and taking the right steps will be under no illusions around what they can and can't do whilst waiting on their number.
    • Edi81
    • By Edi81 11th Jan 18, 6:05 AM
    • 358 Posts
    • 232 Thanks
    Edi81
    Moving to one of the most expensive cities in the world wasn’t that great an idea was it?
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