Need a loan of 15k

matt2714

Im in a financial mess right now, and need a cash injection of £15,000.

I have been getting quotes as to how much it would cost me over 7 years and am happy with the figures, I can comfortably afford them over the term.

I have posted the same question on another forum I am a member of, and they advised I post my question here.
But the only way out I can see is to obtain the 15k loan - It will amalgamate everything I owe at the moment into one monthly payment which will make life so much easier for me.

I also don't have the worlds greatest credit rating, so it makes obtaining the loan more difficult, but surely there must be a lender willing to loan me 15k even with bad credit ??? Can anyone point me in the right direction ????

I also suffer from severe depression and psychosis (hearing voices, paranoid dellusions) Which is making my life hell right now.

So if anyone knows of a lender that will loan me 15k over 7 years - Im happy to pay interest etc etc

Thanks in advance

SnowTiger

matt2714 wrote: »

Im in a financial mess right now, and need a cash injection of £15,000.

I have been getting quotes as to how much it would cost me over 7 years and am happy with the figures, I can comfortably afford them over the term.

I have posted the same question on another forum I am a member of, and they advised I post my question here.
But the only way out I can see is to obtain the 15k loan - It will amalgamate everything I owe at the moment into one monthly payment which will make life so much easier for me.

I also don't have the worlds greatest credit rating, so it makes obtaining the loan more difficult, but surely there must be a lender willing to loan me 15k even with bad credit ??? Can anyone point me in the right direction ????

I also suffer from severe depression and psychosis (hearing voices, paranoid dellusions) Which is making my life hell right now.

So if anyone knows of a lender that will loan me 15k over 7 years - Im happy to pay interest etc etc

Thanks in advance

Why don't you take out a loan with one of the companies who offered you a quote you're so happy with?

Voices say no?

KingElvis

You'll have no chance with debts, bad credit and other issues of getting loan from anywhere reputable.

Sorry, but it's the way it is at the moment.

BackOnTrack

You should probably consider contacting a debt charity for advice with how to handle your debt.

LucretiaUK

To be honest Matt, I'm finding it hard to get half that money from anyone reputable and have been down all the desperate borrowing from scammer routes that I care to go down.
Companies taking advantage of people's poor credit and the crappy credit situation at the moment deserve to have their legs broken, if you ask me.
I wish you luck consolidating your debts, but you're probably better getting some free help and advice about debt management from one of the places linked on this site.

matt2714

SnowTiger wrote: »

Why don't you take out a loan with one of the companies who offered you a quote you're so happy with?

Voices say no?

No, its a case of being turned down plus I don't want more credit searches done on my file.

I have looked into alternatives but nothing is suitable for me, indeed one debt management company wanted me to pay them more than what Im currently paying out.

Tixy

Seek advice from a charity not a commercial debt management company. They won't charge any fees and will help you decide what is best in your situation. IMPORTANT - Where to seek professional impartial advice about your debts.

From the info you have posted nobody will lend you £15k in the current economy and with the banks current stance on lending.

iolanthe07

Companies taking advantage of people's poor credit and the crappy credit situation at the moment deserve to have their legs broken, if you ask me

But you can't really blame lenders for being wary about lending money to people with a history of not paying back. The answer is to build up a solid credit history for a few years before applying for loans.

BugsyBrowne

matt2714 wrote: »

Im in a financial mess right now, and need a cash injection of £15,000.

I have been getting quotes as to how much it would cost me over 7 years and am happy with the figures, I can comfortably afford them over the term.

I have posted the same question on another forum I am a member of, and they advised I post my question here.
But the only way out I can see is to obtain the 15k loan - It will amalgamate everything I owe at the moment into one monthly payment which will make life so much easier for me.

I also don't have the worlds greatest credit rating, so it makes obtaining the loan more difficult, but surely there must be a lender willing to loan me 15k even with bad credit ??? Can anyone point me in the right direction ????

I also suffer from severe depression and psychosis (hearing voices, paranoid dellusions) Which is making my life hell right now.

So if anyone knows of a lender that will loan me 15k over 7 years - Im happy to pay interest etc etc

Thanks in advance

People with excellent credit histories and very good wage and low debt are getting turned down for loans, so your chance of a 15k loan with not the best credit history is Zero I am afraid..
Don't even think the dodgy loan companies out there will touch you with that amount unless you secure your legs and arms against the loan..