Some advice please

LouiseB24_2

Hi guys/girls

Ive had a quick read through the forum and now ready to ask a few questions.
Im in need of a loan - to clear off my other loans/credit cards - to have a fresh start.
I have bad credit - needless to say I need around 10k to clear off everything.
Ive taken a look at a few companys and need your advice if you have had any dealings with them.
I work part time (with over time) with Hampshire council, im 26 and have a child of 5.
I refuse to pay an upfront fee (Yes loans Ive read on here is bad I see?)
I have -

Easy Money Lender

Loan 'N' Go

Ive had a loan from my bank last year, and Ive managed to pay that off all ok - how ever I keep getting refused for a larger one.

Am desprated to start all over and get everything paid off - so I have one monthly out going.,
Most of my debts are with Payplan now but I want to get rid of them all.
With Payplan - because I joined them back in 2005 - after a year I come off the 'plan' as I was able to afford the normal repayments - then lost my job within a year - I have since gone back onto Payplan but the banks are refusing to freeze interest.

Any ideas/help which bad credit loans I could look into???

Many thanks for your replys.

Moneytroubles_2

Hi Louise, welcome to the forum - YES loans are def a no go - I went with them before LBM and they are a bunch of cowboys, said I could have a 12,000 loan took set up fee off me and then couldnt get hold of them again - managed to get my set up fee back eventually. If only i knew then what i know now eh?

Also are you sure you need to get another loan, have you posted SOA to see if anyone can help you xxx

LouiseB24_2

Hi SOA ?? Sorry am new to all the forum short talk and have no idea lol

Thanks for your advice on the Loan n Go tho!

MyopicMoo

To be honest, if you are with payplan you shouldn't be trying to get more credit. I know it can be difficult dealing with multiple creditors but that would be better than getting even deeper in debt.

Moneytroubles_2

Sorry! SOA is 'statement of affairs' and you can find it here...

http://www.makesenseofcards.com/soacalc.html xxx

if you fill it in as honestly as you can and post it up people will comment on it. I know it seems like a good idea to consolidate all loans into one however general impression I get from the site is that it can put you in a worse position - i have several creditors (see my signature) however since joining the site have been able to manage them effectively - hope this helps xx