I need a loan...

Apples2

SnoopyBignose wrote: »

Reported as spam

So you reported the spam but quoted the whole thing so we can still see it.


You didn't think that through did you?

jkelly81

LovelyLeeds wrote: »

Displaying such a rude and ungracious attitude, will get you precisely nowhere in life, not least a loan. Grow up and wake up and find yourself some manners whilst you're at it.

I don't believe that for a second to be honest, I've been nothing but a nice person my whole life and got nowhere, its the pricks in life who consistenly get ahead and get one over on us all....

Caroline73_2

OP have you actually done a SOA?

jkelly81

Yes, I went thru all this when setting up with the DMP, and in fact had been thru all that many times in the past...its from the SOA that I have concluded that a loan would be the best option. The DMP leaves absolutely no safety net for any funnies that will inevitably pop up in life....I am in this situation again (as eventually happens every year, everyone else in the world seems to have credit to fall back on) and am completely goosed, short of winning the lottery I don't know how to fix this without a loan. Not prepared to start wasting money on lottery tickets (I give enough money away to charities) so really need some sort of loan. Its so obvious it hurts me when no one else can see it....

StuTheDon

jkelly81 wrote: »

Yes, I went thru all this when setting up with the DMP, and in fact had been thru all that many times in the past...its from the SOA that I have concluded that a loan would be the best option. The DMP leaves absolutely no safety net for any funnies that will inevitably pop up in life....I am in this situation again (as eventually happens every year, everyone else in the world seems to have credit to fall back on) and am completely goosed, short of winning the lottery I don't know how to fix this without a loan. Not prepared to start wasting money on lottery tickets (I give enough money away to charities) so really need some sort of loan. Its so obvious it hurts me when no one else can see it....

Why are you giving money to charity when you are already in serious debt and looking at income reduction?

jkelly81

I live a very unfulfilling life...its the least I can do before I die. I have now become a target for every charity under the sun. All those £5-15 add up per month.

kaz0705

I am now thoroughly convinced you're a troll. If you spent even an hour checking out the various helpful thread on here, you wouldn't continue to be as completely clueless as you continue to be.

However, I am still obliged to reply on the very very slim chance you are not a troll. Let me try and break it down here:

If you post a SOA on here, a fresh pair of eyes might notice things youve missed. Or tell you that you are paying too much for something. You know, HELP YOU.

One of the first things we'd say is stop paying out for anything that you can't afford. this includes charities. So, instead of giving them money, give them something free: you time.

If you feel your life is unfulfilled, contact your employer and ask if you have volunteer days- lots do. I work for a charity myself yet we get three days to volunteer with any charity we want!

It doesn't even need to be *days*. In London, for example, there's a big push for volunteers to help out with improving reading for kids in school. For 1.5hrs a week (not a lot, eh?), you sit and help a child learn to read. Should sort out the unfilled aspect.

So, if you're not a troll why not start HELPING YOURSELF instead of looking for others to solve everything (with a loan).

Also, you're continued assumption that everyone has credit to fall back on is insulting to the many thousands on here who are in a similar to yourself but are actually taking *responsibility* and sorting it out.

Tixy

jkelly81 wrote: »

its from the SOA that I have concluded that a loan would be the best option.

But what people have been trying to make clear to you on this thread is a loan is not an option at all, never mind being your best option.

You will not get a loan with your credit file from having been on a DMP. Whether people on here agree or disagree that a loan would help you out or solve your problems is immaterial - because its not an option for you.

A DMP budget only usually allows for a person to have a very small contingency fund - but you say it leaves "no safety net for any funnies" if by this you mean an emergency (such as unexpected additional car repairs or an oven breaking down etc) then on a DMP you can explain this to CCCS and agree just to pay token payments of a quid to each creditor for a month or 2 to get you over the blip.

You are wrong to say everyone in the world has credit to fall back on - many many people do not, as can be seen by the many people on DMPs and the many posts seen on here with people saying they cannot get a loan, or cannot get a card.

jkelly81

I have my own kids who don't get enough of my own time usually because there dad is working or sleeping...

The point of my post is that I need a loan. Nothing more. If I could get that loan tomorrow, this time next year things would be much better for me and my family, and they're the only people I'm caring about. We can move home, I can get a new job and earn some real money and pursue other interests outside work which are very lucrative. Right now I shackled. I am not posting an SOA because (apart from the fact you could search and find it) how can I give you a genuine answer when my situation changes every single month.

Tixy

jkelly81 wrote: »

The point of my post is that I need a loan.

No matter how many times you state this, or how strongly you feel it to be the case you still won't get a loan of £25k, or £15k for that matter or probably £2k even.