Need a first time loan defaults. HELP PLS

sezsez

Hi i have 2 defaults on my credit record one from argos messing up my account with them that must be 6 yrs old but i have not settled on it due to most of it being charges from there mistakes, and the other over a 100 phone bill which i am sur i ended up paying twice as it had been so long i had no prove of payment 5 yrs again theey defaulted me when i paid them last yr, and my partner has one from last year settled anyway we really need to get a loan xmass is on the way . ive taken alot of time off work due to having a baby and a family member died . this year and my parnter wage has also gone down 150 per wk. and i have had to reduce my hrs due to childcare, which leaves us trying to catch up on loads of bills ect, which i cant juggle anymore, ive worked out all my bills for next year how much each wk ect, and we can afford a loan , but i cant seem to get one with natwest my bank, we are also moving house in next few wks rented,( have to move 2 bed house with three kids 1 boy 2 girls at moment) so we will have no money for carpet/ whatever needs doing, whats why we need a loan , ive even had letter asking me for employment details so they can take it straight out my wages , i really need to know if i will get aproved for aloan off any half good companys , if anyone has any advice pls as i have never hada loan before pls

Apples2

From the information you have given... HOW in the name of god have you worked out that you can afford to repay a loan??

You don't seem able to afford what you have already but you want even more outgoings each Month.

Go into the DFW Board and post an SOA. You need to find a way OUT of debt, not a way further INTO Debt.

sezsez

Have not gone into too much detail but i am back in work now and earning 500 a month more an can do over time if i want, thats how i can repay a loan, its just we havent got it now, been i really bad yrs an thing are just starting to get back to normal but not quick enogh, we dont waist money on anything both work and have 3 kids dont claim any other benifits apart from child, an child tax credit and we pay more in tax then we get beween us. Working hard is how we would pay it back. i had no choice but to stay off work something are more important than money and u cant put them on hold, thats how we got behide . anyway iwas looking for advice on loans not comments on how in GODS NAME we are gonna pay it back, HARD WORK IS HOW,

sezsez

oh and the loan was to do up the house we move basic carpets wallpaper to and pay off bills , new second hand . car old one broke no car no work, and we have had no cooker for two month oven does not work, so cant grill or fry a turkey, and some present would be nice for kids, pay old debits partners before we end up with anymore defaults. seemed like a good idea still does if am not paying well over the odds, thats what i was hoping for advice on thanks

KingElvis

Sorry to tell you but your only chances are people like Provident and Payday loans but I seriously doubt even they would lend to you given the very recent defaults and terrible money handling skills.

I wish you luck though.

JasX

you should be negotiating payment plans with for your existing bills, pay over installemtns etc etc rather than finding ways to increase the amount you own by adding interest to what you already owe?

what do you have on your floors now? bare boards? live with the carpets and paper you have for now and SAVE up to smarten the place up (interim perhaps you could manage a can or 2 of basic/plain paint or get a rug from somewhere (2nd hand / on loan from family member) if that desperate on flooring.

what is wrong with the oven? can it be repaired fairly simply?

etc etc.

what alternative ways are there for gettiing to work?

if you have a good income SAVE, prioritise and make do in the meantime

Forwandert

Any house I've rented has always come with a carpet and built in oven, can't think of any house i've looked at that didn't, you could look for somewhere else to rent before you move with these things already provided.

sezsez

Thanks ive had someone look at my cooker they said its also got a small gas leak which cant be repaired as well as the oven does not work at all , so if i cant grill or fry it we cant have it been like that for a few months now , been catching up on bills as well so have not been able to save at moment second hand ones seem to cost 200 still, and the house is concil housing i have wooden flooriing at the min which i am planing on taking with me an reusing as much as i can, but they dont com,e with cooker and are usualy in a bad state to start with, ive already arranged payment plans but have been unable to stick to them with our income dropping so much 1400 a month drop with my wage and his income drop too , and taking so much time off work which i had no choice but to do, i now have incresesd my hrs at work from jan but its payed monthly so wont feel the benifits till feb, just thought a loan seemed like a good idea as i would of been able to pay it back once my wage increses, i have never had a loan before and have allways been against getting in debit through credit or store cards ect, normally id stay well clear, just this xmass an due to problem we are beeing moved argently as well, no time to save , thanks for all the help an adeas thou i will be looking into them, just have to manage till we can aford to buy, just not nice for kids before xmass moving into a house at xmass that we cant make nice really, and presents havent bought any yet, ive been threw ever thing sold old stuff on ebay ect, never mind just thought a loan would of been a worry taken off our mind, but am not stupid enogh to get a little apr, thanks for advice

chesky369

Do you have a local Freesave group? Also, where I live there's a local authority furniture project which has second hand goods and furniture - your local CAB would know if there's such a scheme in your neighbourhood.

Hax

chesky369 wrote: »

Do you have a local Freesave group?

Do you mean FreeCycle?

If so, then that can be a great place for picking up things like a cooker.