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real personal finance

sappy_2
sappy_2 Posts: 73 Forumite
in Loans
Has anyone had experience of apply with this company and what they are like?? i have a fair credit rating got refused from tesco due to a previous address, nothing to do with me though.

Comments

  • Matt16v
    Matt16v Posts: 597 Forumite
    Do you have to pay a fee? If so, walk away!

    If there is something untoward on your credit file get it removed, then maybe you'll be able to get high street credit. There's a thread on here somewhere about which loan companies to avoid, might be worth having a look at that before you go any further. Can someone please post the location?
  • sappy_2
    sappy_2 Posts: 73 Forumite
    hi, no they have not asked for a fee. Just put in details and they say they will call in next couple of days. Just not a company i have heard of although credit expert have them on file for my credit rating.
  • Wutang_2
    Wutang_2 Posts: 2,513 Forumite
    Matt16v wrote: »

    If there is something untoward on your credit file get it removed

    Please expand on this....
    Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam
  • mnomis
    mnomis Posts: 82 Forumite
    sappy wrote: »
    hi, no they have not asked for a fee. Just put in details and they say they will call in next couple of days. Just not a company i have heard of although credit expert have them on file for my credit rating.

    They are part of Provident IIRC.
    Capital one £200 - bal nil. Aqua £350 - bal nil
    Vanquis limit [STRIKE]£250[/STRIKE] [STRIKE]£750[/STRIKE] £1250 - bal £450. Nat West overdraft limit - £300, unused. JD Willaims limit [STRIKE]£400 [/STRIKE] [STRIKE] £600 [/STRIKE] £900 - bal £90.
    Very limit £400 - balance £329 (buy now pay 2011!)
  • sappy_2
    sappy_2 Posts: 73 Forumite
    does anyone have experience of this company with acceptance rate etc
  • gilligansyle
    gilligansyle Posts: 4,124 Forumite
    You can check out their website ( just put it in google) to find the interest rates. As said, they are part of Provident, so look at ability to pay rather than credit checks. The interest rate is lower than Provi but much higher than high st around 70% I think.
    Debts at LBM - Mortgages £128497 - non mortgage £27497 Debt now £[STRIKE]114150[/STRIKE][STRIKE]109032[/STRIKE] 64300 (mortgage) Credit cards left 0



    "The days pass so fast, let's try to make each one better than the last"
  • mabski
    mabski Posts: 172 Forumite
    check out their apr .
  • streetfast
    streetfast Posts: 74 Forumite
    Hi, I too got rejected by tesco (after an accept by principle) due to an old address of my mums and a problem she had not me. I need the loan asap have problems obtaining credit 3k-5k would be sound over 24 months or similar. I am prepared to pay a high apr rate as I will sell one of my cars worth 3-3.5k to pay most back off with (but it needs work doing to it first i need to pay for and time it takes to sell hence loan now and car sale prob next month) any ideas?

    Many Thanks
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