I need advice about someone standing guarantee on a loan.

Stone_Fox

Good_Goose wrote: »

Only take the loan if you dont love your father. Sorry to sound harsh but if you need a guarantor you cant afford the loan!!

I don't mean to sound harsh, but can the rest of this conversation be conducted by people with brains LARGER than a hazelnut please?

whitewing

Stone_Fox wrote: »

I don't mean to sound harsh, but can the rest of this conversation be conducted by people with brains LARGER than a hazelnut please?

My family members get insulting too when someone offers a view that directly opposes what they think is right.

Stone_Fox

It's a red dwarf quote, it's supposed to be humorous.

That said, as comments go, his (and I assume it's a him) is both deeply unhelpful, extremely insulting and displays a fairly comprehensive lack of both empathy or understanding of the situation. Or, in short, an emotive idiot who read the first post or two and put a irrational and ill-considered but emotionally charged reply without bothering to read or understand the thread.

I thought the quote was quite apt, personally.

Stone_Fox

I apologize if I come across a little offensive but one of my pet hates is thread trolls.

He doesn't know, and has never met anyone connected with this thread. Insinuating that a financial decision I'm asking for serious financial advice on in any way reflects on my emotional relationships is pure trolling.

BrassicWoman

Stone_Fox wrote: »

It's a red dwarf quote, it's supposed to be humorous.

And I'm sure people will find it hilarious on the SFX forum.

I think you need a serious chat with dad going through all the options.

Did you say what you needed the loan for, as there may be other financing options?

whitewing

Stone_Fox wrote: »

It's a red dwarf quote, it's supposed to be humorous.

That said, as comments go, his (and I assume it's a him) is both deeply unhelpful, extremely insulting and displays a fairly comprehensive lack of both empathy or understanding of the situation. Or, in short, an emotive idiot who read the first post or two and put a irrational and ill-considered but emotionally charged reply without bothering to read or understand the thread.

I thought the quote was quite apt, personally.

I assumed 'he' was a 'she'. It seemed to me to be an opinion based on experience of a similar situation.

Apples2

Stone_Fox wrote: »

Insinuating that a financial decision I'm asking for serious financial advice on in any way reflects on my emotional relationships is pure trolling.

Emotional relationships have an entirely right and proper place at the table when considering guarantor borrowing.

You are absolutely shifting 100% of your past financial mistakes onto an innocent party.

Even after all these posts advising against, it still appears as if you are prepared to sign any old agreement, at any interest rate so you can get the cash.

The advice on here could not be any clearer :
Your father should get a loan in his own name and simply give you the cash.

If you can't see the logic in this, then I challenge your claim to have put your old mistakes behind you.

Stone_Fox

Apples2,
All very fair, but if you can't read the part where I already said "yes that makes sense" then I challenge you to actually read threads before commenting.

And while I agree emotional relationships do play a part I asked for serious, sensible financial advice on the matter, not "hur-dur you don' love ya daddy" rubbish.


Not that it's anybodies business,but my relationship with my father is fine. My professional and financial life now-a-days is fine and has been for years;- as I've mentioned above. My Father also has a lot to gain personally, professionally and financially helping me out of my current bind hence his willingness to help.

I apologize if I came across a bit rude with whoever but it's an emotionally charged issue I need sensible advice on. Not dumb remarks or personal opinions by people who either didn't read or didn't understand the thread.


Allow me to be a bit more explicit with my intentions;- I've recieved some excellent advice here and the best thing I can do is have a long talk with my Father and discuss the options.

And my next trick after that is going to be writing to the 10 year old, statute-barred CCJ's on my record.

tinkerbell28

Ermmm CCJ's are NEVER statute barred. They can be enforced for all time one they have got a CCJ.

Apples2

Stone_Fox wrote: »

Apples2,
All very fair, but if you can't read the part where I already said "yes that makes sense" then I challenge you to actually read threads before commenting.

I did but the mere fact that this thread should have been put to bed by the second reply is enough to suggest you are simply acknowledging someone elses point of view.

You ARE abusing your fathers position, even to the point that you have somehow convinced yourself it is in HIS best interest.

as I've mentioned above. My Father also has a lot to gain personally, professionally and financially helping me out of my current bind hence his willingness to help.

Truly cringeworthy reading, shameful.