consolidation loans

picante

basicly i owe about 2500 to various places,
got car arrers of 500,
a stupid phone contract of 1100,
and a couple small things i want to pay off and forget about,

i want to get a loan, of £3000,
trouble is im not a home owner, or have a good credit history,
is there any companies out there that people have used or can suggest thanks

DCFC79

picante wrote: »

basicly i owe about 2500 to various places,
got car arrers of 500,
a stupid phone contract of 1100,
and a couple small things i want to pay off and forget about,

i want to get a loan, of £3000,
trouble is im not a home owner, or have a good credit history,
is there any companies out there that people have used or can suggest thanks

A phone contract of £1100, how did it get to so much ?

Your own bank might be best place to try.

picante

i was in canada last year with work, i acidently left data roaming on whilst i was out on the exercise area,
ive tried the bank but they wont have it

gb12345

picante wrote: »

basicly i owe about 2500 to various places,
got car arrers of 500,
a stupid phone contract of 1100,
and a couple small things i want to pay off and forget about,

i want to get a loan, of £3000,
trouble is im not a home owner, or have a good credit history,
is there any companies out there that people have used or can suggest thanks

You actually owe 8000 on your car according to your earlier post. So you would be looking at increasing your credit to £11,000 in total.

With a bad credit history (including current arrears) no mainstream lender is going to touch you with a bargepole, so that leaves you with the lower end of the market, where you'll be paying insane APRs and even they might not want to know, if you currently can't afford to pay what you already owe.

DCFC79

picante wrote: »

i was in canada last year with work, i acidently left data roaming on whilst i was out on the exercise area,
ive tried the bank but they wont have it

Well options are limited, what is exactly wrong with your credit history ?

picante

just where ive been stupid and missed payments,
with ref to my car, i would be able to just pay monthly again if i got a few of the little things sorted, ive taken on too much too young ive certainly learned from this

picante

the thing is, it would ALL be sorted if i could just get this form nationwide or natwest but they dont want to know, i earn good money, for my age, ive not spent it wisely at all and now im paying for it, i owe nationwide 600 from a previous loan, but if they lent me this money, i could pay off that loan, i only want it for 24 months, as a safety net, i will pay it back alot sooner than that

gb12345

picante wrote: »

the thing is, it would ALL be sorted if i could just get this form nationwide or natwest but they dont want to know, i earn good money, for my age, ive not spent it wisely at all and now im paying for it, i owe nationwide 600 from a previous loan, but if they lent me this money, i could pay off that loan, i only want it for 24 months, as a safety net, i will pay it back alot sooner than that

So in addition to arrears on your car finance you also owe arrears on a loan with Nationwide - can you see a trend here, because the lenders definitely will.

Stop applying - each application will likely result in a search on your file, which will just make matters worse.

You need to look at why you have no money now - you are obviously living beyond your means, and need to sort that problem, rather than making it worse.

picante

i dont owe arrears on the loan i pay monthly towards it still,

i dont see why banks cant help me they will get there money alot quicker

i know im living beyond my means as it it, im stuck and before the problem gets worse im trying to fix it, no one seems to care,

picante

i know its my fault and i have the responsibility

gb12345

picante wrote: »

i dont see why banks cant help me they will get there money alot quicker

Not if you default they won't, which they will see as a very high probability based on your recent credit history.

Your best bet would be to go to the debt free wanabee board and put up a Statement of Affairs and see if people can advise you where you can cut costs.

You aren't going to get any lender to consider you for a loan in your current situation I'm afraid.