Loans4sure

seagullsy

uktyler are you saying these guys could of now effected my credit score??

Enfieldian

uktyler wrote: »

I somehow doubt you will get anything in the way of low interest credit for a while. The company you used are a broker, so they have probably submitted your details to a whole bunch of lenders to find one willing to lend to you.

If you try to get car credit they will run a credit check, and see all the other credit checks run by all the lenders Loans4sure submitted your details too.

These companies are a nightmare.

I does not sound like L4S have passed the details on. They only use a small panel of pet lenders anyway.. (FLM, Welcome?) so no harm in trying.

As I said, OP has nothing more to lose.

Enfieldian

seagullsy wrote: »

uktyler are you saying these guys could of now effected my credit score??

Well, any credit search will be recorded, it is too early to say what effect this may or may not have. Generally prospective lenders view masses of applications for credit as a negative thing, however the search comes off your credit file after 12 months anyway.

seagullsy

yes i rang them first thing this morning and the very dodgy sounding lady said that i will recieve the money in my account on friday but said she was unable to tell me actually who was lending me then money, i get the impression that it hasn't been agreed yet, and when friday comes no money will be in my account, i have spent this morning applying for loans online again and am waiting to hear back, but now i'm worried by what has just been said about multiple credit checks in a short amount of time..and to round things off it's my 30th birthday tomorrow, think i may just sleep the rest of the week.

Enfieldian

It goes without saying that you won't be using any more companies that ask for fees up front, however these are very common on the internet.

Check out any of the companies that you approach/approach you here first.

Good luck.

chelsie1809

My first post but i use this site for reference all the time. Im trying to get a loan for the deposit on a flat so i can finally move out of my parents house.
This company have just called me.
They asked lots and lots of questions.
They offered me £4000 over 5 years with monthly repayments of £104.87 which i worked out means i pay back £6292.20.
That too me seems a hell of a lot and im no money borrowing expert believe me.
When i said thats fantastic she said we'll send the paperwork out to you and once have signed that and returned it the money will be in your account in 7 working days.
Then she dropped the bombshell of "as we have searched our lenders for you we require a one off payment of £49.99 to ensure your money goes in within 7 days from today. This is a normal practice for a loan lenders" or something along those lines.

I said i wasnt willing to pay a fee upfront as i was borrowing money because i dont have any and she said well we'll send you the paperwork which you will need to return along wiith the fee requested. lol.

Im assuming when i recieve the paperwork i should shred it..?

Thanks Chelsie

mluton

Why £4000, My deposit on my old flat was £1100.

Have you tried your bank.

chelsie1809

I have a few debts and things to clear and once the deposit has been paid decorating and furnishing money will be needed.

My bank wont give me a loan tried that

Chelsie

rawdog

i used to work for loans 4 sure and there not regulated by the fsa and if you have paid a fee plz plz plz do not sign the credit aurth form to see ur credit file else they will charge you all ur fee and then u wont be able to get none off it bak and under the consumer credit act they can only keep £5.00 so people be clever complain to the fsa about them and get ur money bak u can do it if u say you have been to the office off fair trading so be clever and always read the terms and conditions to as loans 4 sure are the worst brokers going .......................

rawdog

if ur banks decline u for a loan ur left with subprime lenders and ur not going to get a intrest rate with a broker below 20% so be very carefull there are good brokers out there just always google search the company first ie if u search loans4sure best4loans and yes loans they are the 3 worst brokers going stay clear