Loan with 1 small CCJ

lfc2007

Hi People

Just wondering if there are any legit Loan companies for people with bad credit?
I have 1 x CCJ of 100GBP from 4.5 years ago which i only found out i had this week..

Your comments welcomed

[Deleted User]

I think a ccj is a ccj regardless of the amount,and afaik it will show for 6 years.

lfc2007

woodbine wrote: »

I think a ccj is a ccj regardless of the amount,and afaik it will show for 6 years.

I know that mate.. which is why im seeing if anyone has an idea of a legitimate bad credit loan company? can see an awful lot of negative things on here and i dont want to get ripped off.

Thanks in advance...

dreamywings1

lfc2007 wrote: »

I know that mate.. which is why im seeing if anyone has an idea of a legitimate bad credit loan company? can see an awful lot of negative things on here and i dont want to get ripped off.

Thanks in advance...

I dont think there is 1!! Although someone may come along and prove me wrong x

Tixy

What sort of size loan are you after and for how long?
Some of the subprime cards will accept people with CCJs, but obviously charge high APRs so would probably only be suitable for a small amount for a short period.

Aside from that you could possibly consider a credit union, who tend to look at affordability more than credit rating. Again only lend fairly small amounts and many require you to start a small savings plan with them first.

Or maybe consider the tips here http://www.moneysavingexpert.com/loans/cheap-personal-loans#obtain

lfc2007

Tixy wrote: »

What sort of size loan are you after and for how long?
Some of the subprime cards will accept people with CCJs, but obviously charge high APRs so would probably only be suitable for a small amount for a short period.

Aside from that you could possibly consider a credit union, who tend to look at affordability more than credit rating. Again only lend fairly small amounts and many require you to start a small savings plan with them first.

Or maybe consider the tips here


Im looking to loan around 6000 to pay my credit card off 2200 and buy a little car for around 3800.. I would pay this over 4 years and could easily afford this..
Im hating these CCJS If i knew about it, i would have paid the amount.. its only a hundred pounds pfft haha!
Any advise is always appreciated by all

thanks

mabski

Try getting the ccj set aside on the grounds of not being informed of them starting court proceedings then either pay it or defend it .

lfc2007

mabski wrote: »

Try getting the ccj set aside on the grounds of not being informed of them starting court proceedings then either pay it or defend it .

Thanks... im looking into that possibility at the moment.. has anyone used loanwarehouse.co.uk?