refused a loan

lindahapps

CHR15 wrote: »

Be VERY careful, almost ALL lenders you will encounter are brokers. They will absolutely guarantee and promise you the loan is ready. They will even give you the APR and repayment figures... but all they really want is your bank details so they can take a fee.
They will then ignore you, there will be no loan.

If your own bank will not accept you, things will be very difficult (and very expensive), that's why nobody is giving you company details. None of us want to play a part in you getting ripped off.

Whoever you get tempted to go with, whoever rings you, there is no requirement for an instant decision, no matter how they word it. come back on here and post the company name first so we can have a good look at them first.

Never EVER give out your bank details to anyone.

thanks i will do x x

lindahapps

rising_from_the_ashes wrote: »

I will echo what others have said - if you can't get a loan through a "good" company then it's not worth it going with someone who has huge interest rates as you'll end up in an even worse situation than you are now.

As CHR15 says there are no good bad credit companies left.

How long have you got until the "bad stuff" drops off your credit file?

it be ages more than two years at least...... i feel bad also as the money is important and can be paid, my husband s record is great and i feel bad about being the cause of his rejection aslo... he been fine about it, however we are gonna be left with the only option as the money is needed, thank you all for your help and sorry if i was rude i now understand the reasons behind noone saying thank you everyone x

lindahapps

yesloansuk.com

this is one lender....... thought if my husband went there if i gotta be named as the joint morgage person ( which i only am incase of a death) , i wouldnt try it myslef, im wary also of times getting quotes can effect rating also.........

rising_from_the_ashes

Unfortunately it's often not a case of whether you know that the money can be paid.

I applied for a mortgage a couple of years ago which would've worked out at around £250 / month less than the rent I'd been paying (every month, never late and never missed a payment) for around 5 years...... and was still turned down

lindahapps

also thanks to the people who have taken the time to reply and the reasons for nobody suggesting a bad credit loan, i see why .... i will post some names of places i found on money supermarket etc as i have done above see if ya have heard of them, ya all seem very wise and have been there done that etc... sometimes its very sad ya past not due to your own fault can play havoc for you for years , why 6 years?.. the banks etc can see my husband is a good repayer and i feel terrible that its me preventing a 6k loan we can repay easy and within 2 to 3 years.. so upsetting..thank you everyone x

lindahapps

yesloansuk.com this is one for bad credit

rising_from_the_ashes

Please don't do it .....

Representative 58.4% APR

May2013

I strongly advise you not to go anywhere near yesloans. My son had a near miss with them last week. They are really aggressive and tied him up in knots on the phone....the end result was that he had to close his bank account and cancel his cards to stop them taking 'fees' from him. They are still hassling him on the phone daily....nightmare!!!

But don't take my word for it...spend a bit of time reading the thread on the link below before making your decision.

https://forums.moneysavingexpert.com/discussion/388793

pauletruth

if the loan is urgent and very important. what about upping your morgage. you have a lot of equity free so they may look at it. but if its just to pay off debt don't do it

CH27

lindahapps wrote: »

yesloansuk.com this is one for bad credit

They are rip off merchants.