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Need Loan Help Bad Credit
Hi
Really need some help to sort my life out!
After graduating in 2007 I was left with a 1900 overdraft from my student days, which from 2009 I have been paying 30 month for the privledge.
I also have a Vanquis credit card that is also at 1900 costing me 100 a month.
I have settled down and have a decent job and would like to get a loan to sort these debts out.
I broke up with partner in 2007 and ended up being debt, which I now have arrangements to pay back and have been for several years.
Problem is I cant get a loan to try and get the overdraft cleared.
I'm sick of throwing money away when I can now addord to pay for a loan.
Any advice would be great or anywhere I could maybe seek help?
Really need some help to sort my life out!
After graduating in 2007 I was left with a 1900 overdraft from my student days, which from 2009 I have been paying 30 month for the privledge.
I also have a Vanquis credit card that is also at 1900 costing me 100 a month.
I have settled down and have a decent job and would like to get a loan to sort these debts out.
I broke up with partner in 2007 and ended up being debt, which I now have arrangements to pay back and have been for several years.
Problem is I cant get a loan to try and get the overdraft cleared.
I'm sick of throwing money away when I can now addord to pay for a loan.
Any advice would be great or anywhere I could maybe seek help?
0
Comments
-
Hi
Really need some help to sort my life out!
After graduating in 2007 I was left with a 1900 overdraft from my student days, which from 2009 I have been paying 30 month for the privledge.
I also have a Vanquis credit card that is also at 1900 costing me 100 a month.
I have settled down and have a decent job and would like to get a loan to sort these debts out.
I broke up with partner in 2007 and ended up being debt, which I now have arrangements to pay back and have been for several years.
Problem is I cant get a loan to try and get the overdraft cleared.
I'm sick of throwing money away when I can now addord to pay for a loan.
Any advice would be great or anywhere I could maybe seek help?
it's unlikely that anyone will give you a loan when you have an existing arrangement to pay (i.e. when you can't afford to pay your current debts according to the contract)
so you need to look at your spending (reduce it) and income (maybe part time job?) and allocate more money to repaying the debts
it's possible you might get a 0% CC balance transfer card but unlikely0 -
I'd say pop over to the Debt-Free Wannabe board and get some help snowballing the debts to get them paid off quicker
HBS x"I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."
"It's easy to know what you're against, quite another to know what you're for."
#Bremainer0 -
If you have settled down and have a decent job. Scrimp as much as possible and pay off the debts. Dont apply for more.
Dont buy things that are not essential.Censorship Reigns Supreme in Troll City...0
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