unsecured loan

hopeless_case_2

Please help need an unsecured loan for 12000 unfortunately I am self employed cant prove income and have a credit rating of 600 yes bad I know.
Grateful for any response:eek:

jonesMUFCforever

What is the loan needed for?
Why is your credit score so low?
Do you have defaults or CCJ's?
Why can you not prove income?

hopeless_case_2

Had money troubles last year and got a default also was 3 months behind in mortgage everything in order now though mortgage been up to date since january this year. Self employed and need money for my business.

jonesMUFCforever

You still have not said why you can't prove income.
Do you not keep any books.
Have you been rumbled by HMCE? UNEXPECTED TAX BILL PERHAPS?
Just thinking out aloud.

hopeless_case_2

ejones999 wrote:

You still have not said why you can't prove income.
Do you not keep any books.
Have you been rumbled by HMCE? UNEXPECTED TAX BILL PERHAPS?
Just thinking out aloud.

no accounts

hopeless_case_2

only one years accounts only made 7000
not enough to borrowon

jonesMUFCforever

Wel if you agree that the sum earned is not enough to borrow on why get into debt to the tune of £12k?

hopeless_case_2

did it on purpose like everyone else does.Not very helpfull comment was it?

jonesMUFCforever

hopeless_case wrote:

did it on purpose like everyone else does.Not very helpfull comment was it?

And your comment does not help either.On the one hand you say it is required for your business last post suggests to repay existing debt - what is it?
I feel we are only getting part of the story here.How was the debt incurred?
Are you now earning more than you did last year?
What business are you in?

regularsaver1

you can not borrow from an unsecured loan for business

is it debt consolidation instead?

whats the reason for no books ? some banks would take your inland revenue docs? self assessment?

hopeless_case_2

It is existing debt that I owe to my supplier for goods already obtained.
I will lose business if I dont get it.