Loan Help

gamez-over

Hi All,

I was wondering if anyone can point me in the right direction in sourcing a loan?

Unfortunately my credit history was hit by a stupid default after RBS failed to update my address and my overdrawn balance was passed over to a debt collection who tracked me down.

Anyway...i'm still at a point where my credit score is in the poor category. I have two credit cards which both have limits of £200 each as i've never needed more. Now that I want a loan, I wanted to know which lender can genuinely help me out?

I have a decent salary and have fairly low outgoings, and it's my credit score that will stop any high street lenders from coming near me.

Therefore any advice would be greatly appreciated.

Thanks in advance

CLAPTON

no, if you have a recent default no mainstream lender will give you an unsecured loan.

you say you have a decent income and low outgoings then it should be possible to save up for what you want

CHR15

hinat wrote: »

Take out a loan with borro and we both can be considered retards

Reported your :spam:

gamez-over

CLAPTON wrote: »

no, if you have a recent default no mainstream lender will give you an unsecured loan.

you say you have a decent income and low outgoings then it should be possible to save up for what you want

Right...but the whole point of me wanting a loan is so that I get money right now...

Surely there must be lenders out that can help??

masterlumps

gamez-over wrote: »

Right...but the whole point of me wanting a loan is so that I get money right now...

Surely there must be lenders out that can help??

no, there are not, well not really - any decent lender will give you a miss

Apples2

gamez-over wrote: »

Unfortunately my credit history was hit by a stupid default after RBS failed to update my address and my overdrawn balance was passed over to a debt collection who tracked me down.

That makes no sense at all.

You won't find a decent lender prepared to give someone with a poor credit file a chance.

queenofstars

Try your credit card companies, and see if they'll increase your limit. Otherwise personal loan is out of the question, unless you try payday loans. I really wouldn't recommend them though because you can get stuck in a debt spiral if you're not careful. What is the loan for? If it's to do with debt management then you can try seeking advice.