Loan With Defaults

bigadaj

mystic_bertie wrote: »

Ok nobody mentioned to me i could not take any further credit out in the future, so i am not aware of this. Judge me if you want but im not going to put every bit of spare cash into paying off my das.

If i cant get a loan, ill save it up. Now im working again my finances will be good, i dont need to car share and i dont want to care share, thanks anyway. I already have a car but i want something safer to travel the 40 miles a day.

If you look up a debt arrangement scheme then you will see you won't be able to get another loan, as you apparently are included on a register. Even without this a loan would be unlikely as your arrangement to oay will vpbe evident to lenders and the fact that debt hasn't been paid previously, or rather an arrangement to pay whilst freezing interest has been negotiated woudk mean that teh risk is too high.

Your debt councillor woudk advise increasing payments to pay your debts off quicker but if you can save the money then there's probably nothing stopping you pay in cash.

mystic_bertie

bigadaj wrote: »

If you look up a debt arrangement scheme then you will see you won't be able to get another loan, as you apparently are included on a register. Even without this a loan would be unlikely as your arrangement to oay will vpbe evident to lenders and the fact that debt hasn't been paid previously, or rather an arrangement to pay whilst freezing interest has been negotiated woudk mean that teh risk is too high.

Your debt councillor woudk advise increasing payments to pay your debts off quicker but if you can save the money then there's probably nothing stopping you pay in cash.

I just checked and your right there is a register, it says creditors and credit reference agencies can access this data however there is nothing on my credit file to reflect this.

mystic_bertie

I have just proven its impossible to post on these forums without the haters posting their negative opinions of you. Despite a nice message clearly asking them them to refrain from doing so.

mystic_bertie

i have requested this be closed, so please stop the cyber bullying.

mystic_bertie

i found this on a mental health forum

I asked for some advice on the Money Saving Expert Forum last week and I was absolutely gunned down as being a benefit fraud and they said a lot of nasty things to me. I was so upset and distraught about it, it left me in tears, even my mental health worker how read it was disgusted!

I just dont want any of you to experience what I had to endeavor from the nasty replies. x

fozmcfc

This is the nature of a public forum, you will get posts that you don't like.

People can only post on the facts they see in front of them, this is someone who hasn't met past commitments and still hasn't met them.

It's a bit like a friend borrowing £100 of you, then saying I'll give you £1 a month, it's all I can afford and then you see them going out and buying non essential items.

It doesn't matter to lenders what that reason is, however sad, the short answer is no, you can't get a loan and your past money issues are the reason.

marliepanda

You are the only one who has resorted to name calling.

People often mistake the name of this website. It's money saving expert, not 'how to take the mick with money expert'

People seem to think it's about avoiding paying debts and fiddling benefits. Nope.

jonesMUFCforever

Perhaps you could tell us then how much you have saved over the last 3 months?
If you can show me that you have £300 in your bank account I will apologise.

(Text removed by MSE Forum Team)

mystic_bertie

jonesMUFCforever wrote: »

Perhaps you could tell us then how much you have saved over the last 3 months?
If you can show me that you have £300 in your bank account I will apologise.

wow someone wants proof of my bank account, how weird, this is a first for me after 14 years of using forums. Why would i tell you? Why would i show you? What makes you think i care about an apology from someone as shallow minded as you? The mind boggles.

i think ill save my dignity and refrain from your stupid requests. :rotfl:

tomtontom

Sorry bertie, but from an impartial point of view it is you that is making a fool of themselves. Maybe you would be better speaking to the DAS people again, get some more help with your budgeting?