Who will lend?

Phill_Anderson

Hi Tixy,

Sorry if you feel like I am breaking the forum rules. I was just trying to share some good resources for a payday loan.

Extremely sorry again.

Regards

loopy-juice

OP. This is a wind up, yeah?

ILW

LilSdaD wrote: »

- we are now very good with money and could even afford a loan with about 30% interest
Andy

Surely these two do not add up.

Phill_Anderson

My personal opinion is that if people are not in any sort of financial crisis then they should not go for any kind of loans. Eventually they need money later, like in festival season or in sudden needs. One must consider loans in these situation only.

Regards

stevo5678

LilSdaD wrote: »

Fleagle - Not mad just desperate as we have done our best at saving and still dont have quite enough!!

Tixy - Thanks for your advice.

Wutang - We managed to get into a lot of debt from about the age of 17 - 21 and then pretty much ran away from the debt, unfortunatly because we burried our heads in the sand it got to the point where we had to go bankrupt as at about 27 my partner and i found out we were pregnant and wouldnt have been able to afford re-payments and a baby so we decided to get the debt written off and start a family. We are very good with money now and because of our past we are penalized (which we accept). As this site is very good for advice and expertise it's the obviouse choice to come to and ask. I know you said it wasnt aimed at me but thats my story, I imagine a lot of people are in the same boat!!


Thanks for all your replies.

I strongly suggest you dont look for another loan. Unless you are desperate for living costs/emergency.

If it is for anon essential expense including cars above £1000, marriage costs, holidays, gifts etc then ask your self if you really do NEED it?

You have already been made bankrupt , say you are good with finances now but are willing to pay 30% interest. Sorry but that is not 'good nwith finances'. Take the advice.

If because you had all the old debt written off by bankruptcy dont be fooled into thinking you can do this again no probs in the future. Eventually ppl will end up paying more consequences for bankruptcy.

Do the sensible thing and dont borrow.

If you dont have the money for it now then you can't really afford it, let alone paying 30% interest.

This is not having a go, this is REAL ADVICE.

vaporate

dont get more debt.

Just save. If you cant save, how will you pay the loan off anyway.

Saving feels good. ING moment lol

Phill_Anderson

As far as I think loan is the last option for people looking for money. They should try to save more and avoid unless expenditure. The only thing which loan can give is bankruptcy if not planned well.

But I am must also say that these loans are very helpful also as it comes into play when there is no other alternative.

woody01

no_more_cards_for_me wrote: »

Agreed, not aimed at OP, but maybe ex-bankrupts are struggling even more in todays financial climate. If the average borrower with a reasonably clean credit history is struggling then ex BR are not going to be courted by lenders.

Or perhaps they can't wait 6 years for the file to be purged ?

If they are bankrupt, then how did they manage to save?
Surely this money could've gone to the court.

babymoo

A wedding should be about making a life long commitment to the person that you love, not flashy cars, expensive rings and outfits etc. My best friends got married recently and they did it all for around £300. That included the registry office, wedding dress (just a normal white dress from asos i think but you wouldnt know any different), he wore the suit he had had for years, they bought new rings and that was it. Meal at home with their close family and then our group of friends clubbed together the day after to take them out for a meal to celebrate as they couldn't afford to have us there.

By all accounts it was a gorgeous ceremony and they are now saving for their house together.

I used to think that weddings were all about the statements that they do make but then I met the one. Now I realise that weddings are just 1 huge industry and as soon as you add the word wedding to anything the price inflates drastically. Either postpone or cut back on what you have. Surely it doesn't matter as long as your married?

BLT_2

LilSdaD wrote: »

Hi,

- we are now very good with money and could even afford a loan with about 30% interest

Anyone else spot the anomoly?:rotfl::rotfl: