Unsucured Loan For £4000

hivez

Do you think the website gives you a reason? no of course not... its online, it will not give you a personaly reason... probably due to going over my overdraft a few times etc and generally not having a great credit rating... no way will natwest accept me, i knew they wouldnt anyway,... hence the whole post of asking if you know of anyone who deals with high risk loans!

zppp

hivez wrote: »

Do you think the website gives you a reason? no of course not... its online, it will not give you a personaly reason... probably due to going over my overdraft a few times etc and generally not having a great credit rating... no way will natwest accept me, i knew they wouldnt anyway,... hence the whole post of asking if you know of anyone who deals with high risk loans!

First of all, don't have a go at me. The advice is always try your own bank first of all. They deal with your finances, and they know our income and expenditure. If you decline with them, your chances of obtaining a loan elsewhere is slim.

Secondly, it does give you a reason. It will come up with 'Credit Scoring', 'Affordability', 'Adverse Data' etc. If you don't want to tell us, I'm not sure what you want us to do but guess.

Finally, the words 'high risk' are not in your original post or title. You didn't even know Natwest offered personal loans until we told you, and I'm sure your response would have different had you have been accepted.

I suggest you go onto the electoral register, and have a look at the fair, possibly poor section of this website; http://www.moneysupermarket.com/loans/

hivez

zppp: your wrong it doesnt give you any reason just says declined...

doesnt say either of 'Credit Scoring', 'Affordability', 'Adverse Data' so i think you should look into this more...

not having ago but it just seems you dont know what your talking about really I know you should go to your bank first however I wouldnt be asking how to get a high risk loan! zopa also said no with no reason... ,

Thanks all who have been helpfull, I just think it isnt possible to find any companies who offer high risk loans in these times,

Cheers

tbourner

You sound very frustrated, but there's no point having a go at people on here. We want to offer correct advice and for that we need as much info as possible. If you're not willing to give it or just get annoyed you're unlikely to get a helpful answer. So my advice is apply to quickquid/wonga/payday loans and get 4 separate £1000 loans at 2269% APR.

hivez

so you cant just boldly say of any companies who offer high risk unsecured loans to someone with a fairly poor credit rating? surely you dont need to know all my detaisl for this... and I have given them above,

Why not just list some companies who you know of instead of trying to score points in your community :P

zppp

hivez wrote: »

zppp: your wrong it doesnt give you any reason just says declined...

doesnt say either of 'Credit Scoring', 'Affordability', 'Adverse Data' so i think you should look into this more...

Call them up and they will tell you, it used to come up at the end of every application, and would give an address for you to write to, in order to obtain your credit file.

hivez wrote: »

not having ago but it just seems you dont know what your talking about really

I think you'll find I know more than you on the subject. Let's see if other MSE members agree with my advice?

hivez wrote: »

I know you should go to your bank first however I wouldnt be asking how to get a high risk loan!

Point to me in your original post, where it says high risk, or that you constantly go overdrawn for that matter?

hivez wrote: »

zopa also said no with no reason... ,

Good luck finding the borrowing you require.

tbourner

I personally don't know any loan companies, was just browsing You just seem to be getting a bit grumpy and taking it out on everyone. Usually people try to get info from newbies because, for example; you could be a serial borrower who -in these times- is finding it harder to get a loan and is now desparately looking for sharks or any other way to borrow money to feed their spiralling problems, rather than fixing them. If you give the information people on here would offer advice rather than just answering your question, so in the example above; would suggest talking to debt charities or seeing someone professional - this would be the best advice although it wouldn't make you feel any better, and it would then be up to you to take it or not. You see?

I'm not suggesting that's the case by the way, just showing that simply answering the question without more information on your situation would be foolish for a website that is dedicated to helping people with money problems. Wonga and Payday loans are the lowest lenders, if you can't get a loan anywhere else then go there, but IMO if your bank won't lend you money then you have other issues to resolve that a loan won't fix.

hivez

I dont have issues, nor do I need support, just simply asking which companies are good for unsecured loans... wonga etc are payday loans and do not help me at all,

Thanks all the same

zppp

hivez wrote: »

I dont have issues, nor do I need support, just simply asking which companies are good for unsecured loans... wonga etc are payday loans and do not help me at all,

Thanks all the same

Did you look at the link I posted?

hivez

yup this just listed all the loan companies which offer loans, however it doesnt help as the first one I called (ocean) dont even offer loans now... it doesnt seem aimed at people with bad credit, thanks