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Honest unsecured loan company?

Rob_UK
Rob_UK Posts: 87 Forumite
Hello moneysavers :beer:

Are there any honest and trustworthy loan companies our there? I tried googling, but I`m getting lost. Even when checking on review sites, they got mixed review. I don`t want to be sucked into broker fee sucking - loan non providing brokers :mad:

I don`t own a house, therefore have no security to back up loan.

Ta
«1

Comments

  • ILW
    ILW Posts: 18,333 Forumite
    Try your own bank.
  • KingElvis
    KingElvis Posts: 4,100 Forumite
    Banks all lend money as do some of the supermarkets.
    "We want the finest wines available to humanity, we want them here, and we want them now!"
  • Rob_UK
    Rob_UK Posts: 87 Forumite
    ILW wrote: »
    Try your own bank.

    Tried, rejected. Probably due to one £30 default(settled) by Virgin Media 2 years ago?
  • tonkinator
    tonkinator Posts: 103 Forumite
    The default could be part of it.

    What's your income?

    Do you have any other credit on your file, or just the account that was defaulted?
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    Rob_UK wrote: »
    Tried, rejected. Probably due to one £30 default(settled) by Virgin Media 2 years ago?

    You won't get a loan for another 4 years.
  • Rob_UK
    Rob_UK Posts: 87 Forumite
    tonkinator wrote: »
    The default could be part of it.

    Do you have any other credit on your file, or just the account that was defaulted?

    Oh yes. I took out 4 credit cards 2 years ago and used them regulary and paid off never missing a date. Now I have loads of green stamps on my credit history +lot of green stamps from direct debits as well. All CC`s have now been closed excluding one which I use only for purchases over £100 for protection.
  • BugsyBrowne
    BugsyBrowne Posts: 5,697 Forumite
    Rob_UK wrote: »
    Tried, rejected. Probably due to one £30 default(settled) by Virgin Media 2 years ago?
    Rob_UK wrote: »
    Oh yes. I took out 4 credit cards 2 years ago and used them regulary and paid off never missing a date. Now I have loads of green stamps on my credit history +lot of green stamps from direct debits as well. All CC`s have now been closed excluding one which I use only for purchases over £100 for protection.

    Green ticks on your file won't help your loan application with a 2 year old default.
  • Rob_UK
    Rob_UK Posts: 87 Forumite
    Green ticks on your file won't help your loan application with a 2 year old default.

    So I wasted 2 years - time and effort thinking it will improve my credit history?
  • CLAPTON
    CLAPTON Posts: 41,865
    10,000 Posts Combo Breaker
    Forumite
    how much do you want to borrow?
    what do you need the money for?
    how much do you earn?
    on the electoral roll?
    EU tariff on agricultual product 12.2%
    some dairy products 42.1% cloths 11.4%
    EU Clinical Trials Directive stops medical advances
  • Rob_UK
    Rob_UK Posts: 87 Forumite
    CLAPTON wrote: »
    how much do you want to borrow?
    what do you need the money for?
    how much do you earn?
    on the electoral roll?

    9k over 48 months.

    Car.

    28k

    Yes I`m on electoral roll.
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