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Equifax credit score 426 (bad?) best lenders around for 3k (secured/unsecured)???!!!
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There is, its called charity.there is no such a thing in our world like "free" unless it's from your close fiend or family....so why should i bother waste my time with DMP consultants or whatever it's called "stepchange" etc.
And stepchange are a debt advice charity, one of a few that exist. They will best advise you on your possible options in your situation which may or may not be a DMP. If they felt a DMP was the correct option for you would run it for you at no cost to you. 100% of your payments to them would be paid to your creditors.I know my debts, i know the situation where i am now and was asking only for the lender/company name who can i apply to for 3-4k loan for long term. I've got an independent opinions from you (thanks for your help) that it's NOT POSSIBLE. I still will apply to see what i will get, and when i will be declined i will create my OWN DMP, luckly still remember math basics
last thing would like to ask our experts, is it better to apply directly to one lender or should i choose a broker for it?
I would always avoid loan brokers.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
Not quite sure what else we can do for the OP since we have pointed them in the right direction but he seems intent on doing things his way which is digging a deeper wider hole.0
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Unfortunately some people just can't be helped.
The OP is well on their way to losing their home, they have a real option to stop this from progressing to that stage now, by contacting Step Change or Payplan.
At the very least they need to go over to the debt free wanabee board, put up a statement of affairs (SOA) and take advice from many who have been in similar situations.
If they can't be bothered, more fool them.0 -
This will end up with the house having charges put on it.....You need to contact step change asap..It is nice to see the value of your house going up'' Why ?
Unless you are planning to sell up and not live anywhere, I can;t see the advantage.
If you are planning to upsize the new house will cost more.
If you are planning to downsize your new house will cost more than it should
If you are trying to buy your first house its almost impossible.0 -
I smell a trolling WUM we need to let this one go.0
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"only the irresponsible" ?
OP came on here for advice, and previous posters have given him as such. It annoys me to see how many MSEers are so quick to judge :mad:
It annoys me too Dec. I am right though.Hi, we’ve had to remove your signature. If you’re not sure why please read the forum rules or email the forum team if you’re still unsure - MSE ForumTeam0
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