HELP refused loan

BigMougie

Hello

I need some help I stupidly have got myself in debt with payday loans (stupid i know).

I have checked both my credit files with experian and equifax and both are showing ok.

I applied for a loan with Zopa and was refused and now dont know what to do.

I have a good job earn around £1400 after tax a month.

However if I really want to get rid of these into say one monthly payment over 2 years.

I only need a loan of £1500 over 2 years however dont want to start applying and getting refused.

Any suggestions on who will allow me a loan. I cant understand why I've been refused as all my payments are up to date.

I have two credit cards still open however dont have the cards (cut up) both have had nothing on them since Nov 2008 could this be affecting me.

Please, please help!!

Tixy

How much do you owe currently in total?
How much total credit do you have available to you (your debts plus the limits on the cards and anything else)
Are you on the electoral roll at this address?

clairbear1000

Perhaps you could speak to your card providers and see if you could get some sort of special offer. The credit card people know a lot more but there are the Super Balance Transfers where you may be able to transfer some money into your current account to pay these off. I think you need a good rating for this.