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Serious Help needed - I've been a fool !
How i wish i had visited this place earlier. I'm currently trying to get an unsecured loan in the amount of £4000 to consolidate all my credit cards over the period of 12 months. As my credit rating is a little spurious, i tried to get a loan through my workplace (High street bank) to begin with, but was declined. I opted to use Yes loans, paying the fee and sending the paperwork through in the space of a few days. They were quick to deduct the fee, but now i cannot get hold of them. Only after reading this forum have i been made aware that they are a broker
I currently have maxed out all of my credit cards trying to juggle my finances and am right up to the limit on my overdraft. I currently have a personal loan with Nationwide of £6000, with about £4400 left to pay.
As i've applied and been declined a few times in the space of the last few months, i'm at a loss as to where to turn next. I went a bit out of control on my credit cards and incurred a few overlimit fees in the last couple of months, so i;m sure this has had an adverse affect on my credit rating.
I was considering the option of reclaiming my bank charges which must total near enough to £1000, but i happen to work for the bank i have held my account with for the last 6 years ! Besides, it will probably take at least month before the claim is settled.
I've just this minute finished applying for another loan with Moneyback
Bank and got a response staing that they are reviewing the application.
I am in serious need of this loan as payday is at least 2 weeks away and i need to settle these debts ASAP. I have £30 to my name and am right up sh**s creek at the moment. I would love some advise on how to move forward > Also, what is the likliehood of Yes loans doing anything other than avoiding my calls and emails ?
I currently have maxed out all of my credit cards trying to juggle my finances and am right up to the limit on my overdraft. I currently have a personal loan with Nationwide of £6000, with about £4400 left to pay.
As i've applied and been declined a few times in the space of the last few months, i'm at a loss as to where to turn next. I went a bit out of control on my credit cards and incurred a few overlimit fees in the last couple of months, so i;m sure this has had an adverse affect on my credit rating.
I was considering the option of reclaiming my bank charges which must total near enough to £1000, but i happen to work for the bank i have held my account with for the last 6 years ! Besides, it will probably take at least month before the claim is settled.
I've just this minute finished applying for another loan with Moneyback
Bank and got a response staing that they are reviewing the application.
I am in serious need of this loan as payday is at least 2 weeks away and i need to settle these debts ASAP. I have £30 to my name and am right up sh**s creek at the moment. I would love some advise on how to move forward > Also, what is the likliehood of Yes loans doing anything other than avoiding my calls and emails ?
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Comments
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Hi there , welcome to the forum.
You may actually be better posting this on the debt-free wannabee board as they are all a mine of information about sensible debt management.
Good luck!(AKA HRH_MUngo)
Member #10 of £2 savers club
Imagine someone holding forth on biology whose only knowledge of the subject is the Book of British Birds, and you have a rough idea of what it feels like to read Richard Dawkins on theology: Terry Eagleton0
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