Loan with 'fair' credit profile

bigadaj

BugsyBrowne wrote: »

You a policeman?

Probably not but it is a crass phrase quoted by the moronic, have you ever been on Jeremy Kyle bugsy?

BugsyBrowne

bigadaj wrote: »

Probably not but it is a crass phrase quoted by the moronic, have you ever been on Jeremy Kyle bugsy?

No need only dirty toothless fat pregnant druggie scroungers appear on that show and me being tall dark and handsome and from respected North London suburb don't quite see how I would fit in.

Debbiecatal

bankhater_1965 wrote: »

they have turned you down because its iresponsible lending and dont want you to get into an unmanagable debt again

If I can give some extra details. I had no problems with my debt, but then I had a stroke, and couldn't work for some time, and I had problems handling previously manageable debt. I VT'd my car but received a default from the HP company, which I have disputed but is still on my file, although showing as settled. The other two defaults were real but I was in contact with the companies concerned. They were settled as soon as I was working again and have been paid for 2 years. I have had no problems with managing debt ever since, and I am back in full time employment with a good income.

I am well able to manage a monthly loan payment 0f £100-£150, and have considered carefully what I want to do. I thank people for telling me that I am being irresponsible and will accept their advice as being concerned for me getting into trouble again, however they phrase it here. However I originally asked if anyone knew who to approach as I don't want failed credit applications adversely affecting my credit status. Thank you for the one respondent who sent me a link which I will look at, but has anyone else been in a situation such as mine and found a company willing to help them?

DCFC79

Nationwide do a soft search, never done 1 myself

bargainbetty

Debbiecatal wrote: »

If I can give some extra details. I had no problems with my debt, but then I had a stroke, and couldn't work for some time, and I had problems handling previously manageable debt. I VT'd my car but received a default from the HP company, which I have disputed but is still on my file, although showing as settled. The other two defaults were real but I was in contact with the companies concerned. They were settled as soon as I was working again and have been paid for 2 years. I have had no problems with managing debt ever since, and I am back in full time employment with a good income.

OP, all of this makes a perfectly good explanation from a human standard point, but the computer doesn't take it into account. What they will see is the defaults, and any other outstanding debts you may have. If your own bank has refused you, then the likelihood is that you will not be able to obtain good rates anywhere else. Please don't fall for the idiot brokers - you'll lose £70 ish and still have no loan.

People aren't trying to be mean, but regulars see the same questions over and over again, and it's hard not to bang your head on the screen sometimes!

If I am being utterly honest with you, I'd ask the happy couple to stump up some cash, or reduce their expectations. You should not be going into hock to give someone a fantasy wedding. I know that's not what you want to hear, but your options are down to one - do the same thing as the other parents and tighten the pursestrings. If someone wants a fantasy day, they need to open their own wallets a bit.

Don't offer to take out a loan in their name and pay it off - if anything goes wrong, or you get sick again, the wedding will be an anvil around their necks for a long time to come.

Best of luck x