loans for people with bad credit

imasmartie22_2

oh listen to all the perfect people that do nothing wrong what a perfect world it would be!:j
if she has mis-understood advise, thats up to her to come to terms with the way things have been said not for the usual "MALE PERFECTS" THAT NEVER PUT FOOT WRONG to keep tormenting.
:beer: as i have said before been there got t.shirt people in debit need to ask why there in that postion and how they got there. a loan is not always the answer:eek: but a bit like chooclate fills a gap people kid themselves into thinking a loan helps them out .
ive done that i know it dont work i also learned some very hard lesons thanks to some very straight forward advise given on here i could have replyed with anger, but went away cooled off and came back and re-read the posts, the advise was there just had to take what was said
and change my thinking and my bad habits,
something im working on.
i will be debit free by the end of the year. no more loans etc. thanks to advise on here.
so be nice:beer::beer::beer::A:A:A:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::T:T

[Deleted User]

imasmartie22 wrote: »

oh listen to all the perfect people that do nothing wrong what a perfect world it would be!:j
if she has mis-understood advise, thats up to her to come to terms with the way things have been said not for the usual "MALE PERFECTS" THAT NEVER PUT FOOT WRONG to keep tormenting.
:beer: as i have said before been there got t.shirt people in debit need to ask why there in that postion and how they got there. a loan is not always the answer:eek: but a bit like chooclate fills a gap people kid themselves into thinking a loan helps them out .
ive done that i know it dont work i also learned some very hard lesons thanks to some very straight forward advise given on here i could have replyed with anger, but went away cooled off and came back and re-read the posts, the advise was there just had to take what was said
and change my thinking and my bad habits,
something im working on.
i will be debit free by the end of the year. no more loans etc. thanks to advise on here.
so be nice:beer::beer::beer::A:A:A:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::T:T

Say what, now?

Chuddles

It's a shame that most cast judgement so quickly on what is only a two line post asking for help.

We don't know the extent of the bad credit, the posters personal circumstances or the reason for the loan they are looking for.

What some may see as an irritating naive question could be someones first attempt to reach out for help.
There is a person behind each post on these forums and a little compassion and understanding would go a long way.

jon142

Chuddles wrote: »

It's a shame that most cast judgement so quickly on what is only a two line post asking for help.

We don't know the extent of the bad credit, the posters personal circumstances or the reason for the loan they are looking for.

What some may see as an irritating naive question could be someones first attempt to reach out for help.
There is a person behind each post on these forums and a little compassion and understanding would go a long way.

And on the flip side some people are so deep in debt they think the only way out is to lend more money to pay for the debt they already can't repay. let me give you an example...

A Friend i knew had a boyfriend who always cheated on her, and she took him back again, and again and again... until one day i said to her, you know next week he's gonna says he's cheated on you again right? and i said you should learn and not trust him. and from that day she told him to do 1 and never spoke again. nows she happily in a 4 year relationship with a guy she's going to marry.

Its the same principle, some people will just default and default and default and ask for forgiveness and more money and will default again. hence why no bank will lend to him. he needs to take this time to learn about money management let the mist settle and in a few years start off small with a vanquis card and build his rating back up. trying to lend more money when nobody will already lend is asking for trouble.

One would assume he was give a "normal" account with either an overdraft or credit card from a normal bank. and he couldn't manage that at 15.9% or 30% lets say the highest for retail banks.

how is he going to cope with £400 at 4000% APR??????

However once you default with the types of wonga etc you've reached the end of the line. next step is local loan sharks and if you don't pay up your tossed in the river.

Maybe thats why the OP hasn't been back here in a while to defend himself?

iolanthe07

Chuddles wrote: »

It's a shame that most cast judgement so quickly on what is only a two line post asking for help.

We don't know the extent of the bad credit, the posters personal circumstances or the reason for the loan they are looking for.

What some may see as an irritating naive question could be someones first attempt to reach out for help.
There is a person behind each post on these forums and a little compassion and understanding would go a long way.

You get straight talking together with opinions and judgements that sometimes seem a bit abrupt on this board. The debtfreewannabe board is the one to head for if you want virtual cuddles and hugs. No matter how reckless your borrowing, over there you will cossetted, nurtured and offered excellent advice.

KingElvis

Ther'ze noone coz u didnt pay back wat u owed be4

Chuddles

Jon142 - I see nothing wrong with educating people out of what may become a downward spiral of debt. Don't get me wrong I know giving the details of lenders likley to supply them with loan without advice would probably leave the OP in a worse situation, but without asking their personal circumstances we don't know how desperate their position is.

There could be other advice already on these forums we could point them towards to reduce spends and get themselves out of the hole they find themself in. If only we ask for more detail on OP's situation.

You have bad credit for a reason you didn't stick to the TS & CS.

Whilst this may be true we don't know the reasons why, asking would be more helpful that stating something the OP already knows.

iolanthe07 - I doubt the OP was looking for virtual cuddles and hugs, but perhaps they are due a little interest in how they got into this position. Looking for the ways we can help before passing judgement can only be a good thing.

Either way, It's unlikey the OP will return to these forums as with many other newbies that are met with condemnation rather than contructive advice.

_Andy_

imasmartie22 wrote: »

oh listen to all the perfect people that do nothing wrong what a perfect world it would be!:j
if she has mis-understood advise, thats up to her to come to terms with the way things have been said not for the usual "MALE PERFECTS" THAT NEVER PUT FOOT WRONG to keep tormenting.
:beer: as i have said before been there got t.shirt people in debit need to ask why there in that postion and how they got there. a loan is not always the answer:eek: but a bit like chooclate fills a gap people kid themselves into thinking a loan helps them out .
ive done that i know it dont work i also learned some very hard lesons thanks to some very straight forward advise given on here i could have replyed with anger, but went away cooled off and came back and re-read the posts, the advise was there just had to take what was said
and change my thinking and my bad habits,
something im working on.
i will be debit free by the end of the year. no more loans etc. thanks to advise on here.
so be nice:beer::beer::beer::A:A:A:rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::rotfl::T:T

Can you use some more colours and self-consciously wacky 'smilies' in your next post please, there aren't enough in this one. Thanks

Peelerfart

I took out a virtual cuddle last month but haven't been able to repay it.

Can anyone recommend where I can go for another ?

bengal-stripe

Chuddles wrote: »

There is a person behind each post on these forums and a little compassion and understanding would go a long way.

A truism might even go further:

"First law on holes - when you're in one, stop digging!"