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Honest unsecured loan company?

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Rob_UK
Rob_UK Posts: 87 Forumite
in Loans
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
    BugsyBrowne wrote: »
    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 Forumite
    10,000 Posts Combo Breaker
    how much do you want to borrow?
    what do you need the money for?
    how much do you earn?
    on the electoral roll?
  • 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.
This discussion has been closed.
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