Banks say no but need cash

Tixy

Only place you could borrow £5k without someone wanting to see your credit report would be from friends/family or a loan shark. I'd advise against both.

As I said in my last post if your debts are statute barred you have no reasons not to get a credit report.

nomoneytoday

Getting a credit record will do just that. How can paying the £2 trigger an agency chasing you ?

Apples2

Another reponse you don't want coming right up!

What relevance is there in stating your Salary? It isn't as if you are going to repay any loan in any case.

Sounds like you habitaully ignore any debts. Only a bunch of lunatics would lend you a brass farthing.

Your past sniggers & chortles at ignoring your debts is going to bite for many years to come.
You simply aren't going to have the last laugh over everyone stupid enough in the past to lend you money.

Tixy

nomoneytoday wrote: »

Getting a credit record will do just that. How can paying the £2 trigger an agency chasing you ?

You update your file to show you current address and old address - the addresses become linked and any creditor looking at your file then knows where you live now and starts chasing again). Does happen quite a lot.

joey298487

sorry but this is no help.

you are all unrealistic.

unfortuntaly the way we live our lives these days are in debt.

I dont have a financial benfactor so unfortuntaly i will rack up debts.

The dept i have at the moment is manageable debt and once the weeding is over then these become my primary concern the 10k i owe will be paid of within three years. hardly insolvancy time..

as far as my flat goes it was just unfortuntate that the housing market slumped but the good news is i am out of negative equalty.

while i appricate your comments they are useless.

so what is the outcome.. there are no other decent un secured lenders apart from banks?

HappyMJ

Tixy wrote: »

You update your file to show you current address and old address - the addresses become linked and any creditor looking at your file then knows where you live now and starts chasing again). Does happen quite a lot.

Doesn't applying for credit do exactly the same thing. Or being on the electoral role. Isn't it hard to get credit without being on the electoral roll.

joey298487 wrote: »

so what is the outcome.. there are no other decent un secured lenders apart from banks?

Yes there are plenty.

ILW

joey298487 wrote: »

sorry but this is no help.

you are all unrealistic.

unfortuntaly the way we live our lives these days are in debt.

I dont have a financial benfactor so unfortuntaly i will rack up debts.

The dept i have at the moment is manageable debt and once the weeding is over then these become my primary concern the 10k i owe will be paid of within three years. hardly insolvancy time..

as far as my flat goes it was just unfortuntate that the housing market slumped but the good news is i am out of negative equalty.

while i appricate your comments they are useless.

so what is the outcome.. there are no other decent un secured lenders apart from banks?

Not everybody and most pay them back.

The outcome is that nobody short of a loan shark is going to lend to someone who has failed to repay previos debts. Would you?

StuTheDon

joey298487 wrote: »

so what is the outcome.. there are no other decent un secured lenders apart from banks?

Got it in one.

Apples2

joey298487 wrote: »

so what is the outcome.. there are no other decent un secured lenders apart from banks?

The banks ARE the decent unsecured lenders. The reason they are the decent ones is due to the way they manage who they lend to.

They base their lending on your risk profile. In your case the risk that you will simply walk off and not repay is far too high.

I'm struggling to understand your lackadaisical attitude to borrowing. It's as if you accept as normal, borrowing money and not repaying it.

You've managed to remove yourself from becoming a potential customer of ALL the decent unsecured lenders but somehow feel aggrieved that you are being excluded by them.

You make repeated comments that the replies are useless, there will be no other reply which you consider helpful, your past performance has ensured that there is nothing on the market place for you other than the High Risk sharks. None of which would lend you £5k as even those companies can see what is likely to happen to their money.

Mhambi

And another response you will not like coming right up!

I would not even lend you £5 let alone 5k! Why?........ You seem to live in a dream world.

You say

"I dont really want to get a credit report because i have heard debt agencys use this to track people down"

but you need to be on the electoral roll to get married.

As debt agencies have access to the electoral roll they have your details. So getting a credit report will do no harm as everything is already known.
You have to wake up and realise that you will not get any loan (in a legal way) from any decent lender.

The only one who is unrealistic is you.

Unless you start dealing with your finances that you owe to whoever you will always look over your shoulder.

Don't get married until you are grown up enough to deal with your finances. Do you really want to suck your partner in to that mess? At least do the decent thing and do not put that burden on to your partner or you will have a very short time together.

Sorry, I have been there and I know it's easy to live in other peoples money and I do not doubt that you got all intentions of paying the money back..... till the next thing comes round when you need another 5k.

Get in to an agreement and start paying back just £1 a month, at least it shows that you are starting to face your responsibilities and just maybe in the future when the housing market is picking up again you can get something sorted.

Till then there will be nothing and the sooner you wake up to that the easier it will be.

Sorry but that just being honest and not 'unrealistic'.