Poor credit personal loan

DCFC79

Maybe you need to speak to a debt charity.

You were given advice earlier this year and a link to fill in an soa.

PeacefulWaters

considering going in branch though for a personal touch

That really is quite funny.

But I suppose they can tell you to do one really pleasantly.

Mr.Wrong

Thanks for advice. I’ll take a look at debt free wannabe

EmmaMicawber

It may be worth trying your local credit union as they may take a broader view than a "computer says no" bank. There are some articles somewhere on MSE about them and how to find one.

System

Mr.Wrong wrote: »

Ccj for Lloyds overdraft of £4.2k from a year ago, I buried my head in the sand but am now making monthly repayments. A loan from amigo of 6k paidnoff monthly, two old orange debts from 4 years ago being paid monthly - no missed payments on any. And a small loan of £600 from die lamps being paid fortnightly - no missed payments.

Income £1900 p/m with outgoings of £800 inc repayments.

Tried online with Halifax no avail, considering going in branch though for a personal touch

No chance. Save your energy and time and don't even bother. Literally only loan sharks available, not even Amigo Loans as you already have one with those. I hate to think how much you'll be repaying in total on the Amigo Loan but I expect it'll be north of £12,000.

lildoonbuggy

Join the MSE credit club. That will show you your eligibility based on your credit profile. Other than that, agree with the others saying your first priority should probably be building a better relationship with your available finances.

cjmillsnun

EmmaMicawber wrote: »

It may be worth trying your local credit union as they may take a broader view than a "computer says no" bank. There are some articles somewhere on MSE about them and how to find one.

TBH I doubt a Credit Union is the answer here. The OP needs to pay down their debt. They have enough disposible income according to a post in the thread to make a sizeable dent in their debts every month.