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1st stop home loans -secured loans

edited 30 November -1 at 12:00AM in Loans
12 replies 11.2K views
TommytomoTommytomo Forumite
4 posts
edited 30 November -1 at 12:00AM in Loans
Hi

I have been accepted by 1st stop home loans for a secured loan of £10k. Does anyone know anything about them?

I have a lot of unsecured debt (aprx 30k) and things are starting to get on top of me but have never missed any payments but credit score is aprx 480. My current mortgage is 77% ltv

Any advice?
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Replies

  • chalkie99chalkie99 Forumite
    1.6K posts
    Tommytomo wrote: »
    Hi

    I have been accepted by 1st stop home loans for a secured loan of £10k. Does anyone know anything about them?

    I have a lot of unsecured debt (aprx 30k) and things are starting to get on top of me but have never missed any payments but credit score is aprx 480. My current mortgage is 77% ltv

    Any advice?

    In that position you probably need a finance professional .........

    oh, wait.....
    Tommytomo wrote: »

    I am FSA registered

    :eek:
  • Nothing better to do I take it
  • 27col27col Forumite
    6.6K posts
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    So you have £30k of loans already and are having trouble with them. How do you think that getting another £10k secured on your house will help you in any way. Except to ensure that you will be homeless in the near future.
    I can afford anything that I want.
    Just so long as I don't want much.
  • edited 17 April 2013 at 7:28PM
    DCFC79DCFC79 Forumite
    40K posts
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    edited 17 April 2013 at 7:28PM
    [STRIKE]Why not cut your spending, default on your debts.[/STRIKE]

    Actually scrap that, go ahead and apply for the loan.

    You seem to know what your doing.
  • bigadajbigadaj Forumite
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    Just wonder if the OP is the tommy from come fly with me?
  • TadleyBaggieTadleyBaggie Forumite
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    27col wrote: »
    So you have £30k of loans already and are having trouble with them.
    According to their earlier thread it's even worse than that, they also have 5K on payday loans!

    When in a hole the last thing you need is a JCB.
  • SnowTigerSnowTiger Forumite
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    Tommytomo wrote: »
    Hi

    I have been accepted by 1st stop home loans for a secured loan of £10k. Does anyone know anything about them?

    I have a lot of unsecured debt (aprx 30k) and things are starting to get on top of me but have never missed any payments but credit score is aprx 480. My current mortgage is 77% ltv

    Any advice?

    This lot: http://www.1ststop.co.uk/ and their half finished website which is registered to a UK Individual rather than a company?

    I know Terms and Conditions are gibberish to many people, but theirs really are. http://www.1ststop.co.uk/homeloans/Terms-and-conditions:
    Lorem ipsum dolor sit amet, consectetur adipiscing elit. Proin fermentum urna non sem gravida nec tincidunt nibh porttitor. Nunc pharetra purus vitae enim laoreet lacinia sit amet ut sem. Donec in tortor leo. Donec rhoncus nulla non purus tempor iaculis. Duis in velit et nisi molestie pellentesque sed quis diam. Vestibulum eleifend rhoncus tincidunt. Integer dignissim tincidunt magna, in aliquam est sollicitudin nec. Vivamus aliquam interdum mi, accumsan vestibulum dolor pretium nec.

    You appear to have pretty serious financial problems. I think you need to seek expert help, which, I doubt, will include taking out an additional loan.
  • edited 18 April 2013 at 4:28AM
    DCFC79DCFC79 Forumite
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    edited 18 April 2013 at 4:28AM
    According to their earlier thread it's even worse than that, they also have 5K on payday loans!

    When in a hole the last thing you need is a JCB.

    Or some TNT

    The OP has been given some good advice on the other thread
  • dealer_winsdealer_wins
    7.3K posts
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    [FONT=&quot]1. [/FONT][FONT=&quot]Spamming was my long cherished dream but it was not possible due to my incompetence. However, I am very happy now because I made my dream spam by posting on MSE. MSE is very helpful for those who want to spam. The spam rate is very less so I can easily get my spam noticed.[/FONT]

    go away go away
  • "I have been accepted by 1st stop home loans for a secured loan of £10k. Does anyone know anything about them?"

    Like what?
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