best place for unsecured loan

englishdad

Usual scenario, person asks for advice on where to get a loan and doesn't get it! Person gets preached at about looking after their family, not being able to afford the loan and mortgage fraud!!.....Genius!!

It says be nice to all moneysavers above, so I'll put it nicely,

Please STOP judging me & STOP telling me what I can and can't afford. The decisions I make for my family and myself are none of anybody else's business.

I asked for none of the above but I did ask for advice on where to get a loan. NOTHING else. I need not have put what it was for and clearly that was the wrong thing to do. If you've got nothing better to do other than criticise someone who is asking for help then don't bother doing anything and don't reply. At the very least read the original question properly. When I said 'any advice appreciated' I assumed that you lot would be able to work out that it meant in relation to my question, not my finances, family or indeed anything else at all.

Why on earth would anyone think I am at my borrowing limit?? I have no loans, no credit cards, no debts, nothing. My monthly net income is just short of £2600 and the mortgage payment on this house would be £772pm with a fixed interest rate for 5 years! I make that a net income of just over £1800pm, mortgage paid!! There are people out there who don't earn that much and still have to pay a mortgage! A piece of advice from me to you. Start looking elsewhere for a cheaper source of bread and jam. You are paying way over the odds!

And another thing....mortgage fraud?? Are you on drugs?? Clearly you don't understand what mortgage fraud is.

The mortgage company will investigate where the money for the deposit came from?????????? What planet are you on?????? They MAY re-check my credit file. That's all! You must have dealt with some dodgy mortgage companies.

Time to move on. A lesson learned I think!

Londonboy_3

English dad - going back to your question. Do you have anything worth 9k you can sell (ie a car) to get the cash? Once you buy the place and complete you could then look at getting a loan to buy back the car or buy another car.

englishdad

Hi London boy, no I don't unfortunately, I wish I did, I'd do exactly as you suggest!

geoffky

You are just about to have a very painful lesson..and national builders will sue you for any money they have lost..

englishdad

It gets worse!! I've gone from wanting a loan to not being able to afford it, putting my family in jeapordy, commiting fraud and now being sued!!!!

It's like being on Eastenders. What is wrong with you lot?? Why are you all so dramatic?

It's a good job this isn't a health forum, I'd only have hours to live by now!

hoggums

I suggest you try selling all of the toys you've just thrown out of the pram.

andy.m_2

I ahd to justify every penny of our mortgage deposit and it was hard going.
Something about the money laundering laws.

In the end we couldn't account for about £1700 so we had to get a family member to give it as a gift for a wedding present.

Maybe it's different up north nowadays.

geoffky

if you do not complete on the day they want..they will sue you...do a google and find out all the others it has happened to..you will then have to go bankrupt....you are not sitting in a pretty place right now,,

englishdad

I did just that, a google search on the name of the house builder, the words 'sue', 'customer' and 'court' and I couldn't find anything!

If you are correct then it would indeed be a worry but if there is no evidence to support what you are saying then I have to assume it is over reaction...............sorry!

jonesMUFCforever

englishdad wrote: »

I did just that, a google search on the name of the house builder, the words 'sue', 'customer' and 'court' and I couldn't find anything!

If you are correct then it would indeed be a worry but if there is no evidence to support what you are saying then I have to assume it is over reaction...............sorry!

They probably will not sue you but you will lose any deposit that you have paid.
They then will come after you if they sell to someone else for a lower amount.