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Help-need short term loan bad credit
josmith51978_2
Posts: 16 Forumite
in Loans
Hi
I need a loan of £1500 just for a year to tie us over as we have overspent! My fault ! Issue we have is late paid a couple of bills so not great credit scoring. I've phoned bank, however won't help, so considering a short term loan but need to find out whose out there we can trust
Any advise on this I would really appreciate it
Regards
Jo
I need a loan of £1500 just for a year to tie us over as we have overspent! My fault ! Issue we have is late paid a couple of bills so not great credit scoring. I've phoned bank, however won't help, so considering a short term loan but need to find out whose out there we can trust
Any advise on this I would really appreciate it
Regards
Jo
0
Comments
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You don't give enough information
Existing debts/ CC's / Store cards?
Salary?
Defaults? CCJ's?
Recent Loans, PayDayLoan Companies?
If your own bank won't help (ant they have the most information) then you're going to struggle.0 -
I'm no expert but for the sake of £1,500, can you not structure your budget sufficiently to sort this out through the money you have rather than try to get a short term loan?
If you can't it sounds like its more than just a 'tide you over' situation and you could be liable to be in a longer term financial issue.
Hopefully someone with more experience than me can assist if you give more info.0 -
Can't you send back what you've overspent on?"There are not enough superlatives in the English language to describe a 'Princess Coronation' locomotive in full cry. We shall never see their like again". O S Nock0
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If overspending caused this situation, you are going to be forced to massively underspend in the future (because you are trying to get a loan at a huge APR which will need repaying along with all the interest).
You are going to massively underpend anyway so why not underspend now but use that extra money to clear your debts?
You will be throwing more cash at the debt but will not have that huge Interest to pay as well.0 -
Loan sharks and robbery are your only hope."We want the finest wines available to humanity, we want them here, and we want them now!"0
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josmith51978 wrote: »Hi
I need a loan of £1500 just for a year to tie us over as we have overspent! My fault ! Issue we have is late paid a couple of bills so not great credit scoring. I've phoned bank, however won't help, so considering a short term loan but need to find out whose out there we can trust
Any advise on this I would really appreciate it
Regards
Jo
It's not who you can trust...it's who will trust you!0 -
ooh posts gone0
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