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  • FIRST POST
    • Sky Shrimp
    • By Sky Shrimp 19th Aug 17, 12:09 PM
    • 37Posts
    • 64Thanks
    Sky Shrimp
    SafetyNet Credit Alternatives
    • #1
    • 19th Aug 17, 12:09 PM
    SafetyNet Credit Alternatives 19th Aug 17 at 12:09 PM
    My new job pays monthly instead of weekly, so I needed a small loan of £250. My bank refused to temporarily increase my overdraft due to a default on my credit rating/score. The bank told me not to apply for any loans for 90 days after that application.

    I Googled payday loans and tried a few but got turned down. Then I found SafetyNet Credit. They wanted my bank login details which was strange, but I applied for £300 and immediately got £150 in my account. All the other PayDay lenders are refusing me. Is there another one like SafetyNet that I could try to get £50 to £100?
Page 3
    • Gambler101
    • By Gambler101 29th Aug 17, 9:28 AM
    • 525 Posts
    • 1,297 Thanks
    Gambler101
    Bit harsh wasn't it? Desperation (although misplaced) is not a sign of mental health issues. If he had of applied for this loan to feed his children, would you be offering the same advice? Yes they are two totally different scenarios, however to someone who is desperate they may make the wrong decisions.


    Not advocating him doing what he has/is doing, simply suggesting your post was a bit harsh
    Originally posted by wizzywig27
    Wanting money at any cost for beers and a night out is not desperation, its financial suicide.

    Even if he couldnt feed his kids there are charities, foodbanks etc.

    No one should ever use a company like this under ANY circumstances.
    The instructions on the box said 'Requires Windows 7 or better'. So I installed LINUX
    • wizzywig27
    • By wizzywig27 29th Aug 17, 9:44 AM
    • 1,216 Posts
    • 799 Thanks
    wizzywig27
    Wanting money at any cost for beers and a night out is not desperation, its financial suicide.

    Even if he couldnt feed his kids there are charities, foodbanks etc.

    No one should ever use a company like this under ANY circumstances.
    Originally posted by Gambler101
    I agree 1000%, trust me I do. But suggesting someone goes to see a GP as they have mental health issues is a bit OTT (IMHO)
    • AndyPix
    • By AndyPix 29th Aug 17, 10:17 AM
    • 3,951 Posts
    • 3,326 Thanks
    AndyPix
    SafetyNet Credit informed me on the phone that if they lose connection to my bank account, they'll attempt to take a partial repayment if my bank is credited with a sum of £50 or over.
    Originally posted by Sky Shrimp

    So how will they know if your bank is credited with £50 or over if they have lost connection to it ?


    Seriosly OP, your cavillier attitude to all this is mind blowing, this has to be a wind up ??!
    Running with scissors since 1978
    • Puddylove
    • By Puddylove 29th Aug 17, 12:14 PM
    • 497 Posts
    • 830 Thanks
    Puddylove
    I agree 1000%, trust me I do. But suggesting someone goes to see a GP as they have mental health issues is a bit OTT (IMHO)
    Originally posted by wizzywig27
    Debt issues and poor mental health often go hand in hand.

    There's no shame in having mental health issues - I think we should all be more open about it.

    People should be encouraged to access support for mental health - particularly men who seem less likely so to do (I assumed the OP was male).

    Didn't mean to upset you, Wizzy.
    • wizzywig27
    • By wizzywig27 29th Aug 17, 4:47 PM
    • 1,216 Posts
    • 799 Thanks
    wizzywig27
    Didn't upset me buddy. Maybe you are right, I'm no expert
    • Sky Shrimp
    • By Sky Shrimp 29th Aug 17, 5:10 PM
    • 37 Posts
    • 64 Thanks
    Sky Shrimp
    Wanting money at any cost for beers and a night out is not desperation, its financial suicide.

    Even if he couldnt feed his kids there are charities, foodbanks etc.

    No one should ever use a company like this under ANY circumstances.
    Originally posted by Gambler101
    I don't have children. My new job gives me enough to live on. Trying to borrow £100 for 6 days isn't financial suicide

    A ton only buys a few rounds on a good night.

    You've blown this way out of proportion tbh

    (INB4 it's a good job you don't have children)
    Last edited by Sky Shrimp; 29-08-2017 at 5:13 PM.
    • AndyPix
    • By AndyPix 29th Aug 17, 5:18 PM
    • 3,951 Posts
    • 3,326 Thanks
    AndyPix
    . My new job gives me enough to live on.
    Originally posted by Sky Shrimp



    Then why is your credit rating so poor that you have to resort to the absolute bottom of the bottom of the pile in sub prime lending ?


    You are an absolute dead cert for a future thread entitled "Oh sh*t , im f**cked - please help"
    Running with scissors since 1978
    • Sky Shrimp
    • By Sky Shrimp 29th Aug 17, 6:16 PM
    • 37 Posts
    • 64 Thanks
    Sky Shrimp
    I've only just started my new job.

    I took out a Provident Loan once in my old flat and that person eventually stopped collecting. She was awful and didn't even show up half the time. I then moved and they found me and chased me up with a letter stating they had sold my loan to a collection agency.

    My current want for a quick payday loan wasn't the end of the world. It wasn't an emergency. Just a little thing to tie me through that week until I got paid from my new job. No big deal.

    The thread was started to find out if there were other SafetyNet alternatives and only that. It wasn't about me personally. Again, those that google 'SafetyNet Alternatives' will find this thread but will be disappointed from the off topic replies. I'm surprised that they're the only company that can lend money so quickly to those with bad credit. I was expecting at least a few alternatives from my idiotic episode of tomfoolery last week.


    SafetyNet Credit must be expanding fast and making a tidy profit. If I ever mess up again, I know where to go. I won't even have to apply. I'll just have to click a button and my SafetyNet Credit limit will be in my account within 15 minutes. Disregarding me personally, it's undeniably a good business model.
    Last edited by Sky Shrimp; 29-08-2017 at 6:27 PM.
    • Gambler101
    • By Gambler101 29th Aug 17, 7:13 PM
    • 525 Posts
    • 1,297 Thanks
    Gambler101
    Is this a just a long shill thread, im thinking that now.
    The instructions on the box said 'Requires Windows 7 or better'. So I installed LINUX
    • Sky Shrimp
    • By Sky Shrimp 29th Aug 17, 7:20 PM
    • 37 Posts
    • 64 Thanks
    Sky Shrimp
    Honestly mate, no.
    • Robin9
    • By Robin9 29th Aug 17, 8:08 PM
    • 3,253 Posts
    • 2,126 Thanks
    Robin9
    Sky Shrimp - you mat not believe it but people are trying to advise you and stop you starting on a slippery path.

    We were all young once - it is very easy to live between your means and you give all the appearances of having no savings at all behind you. The general advice on this forum is to have an Emergency Fund of £1000 - you clearly didn't otherwise you would have had no issues with moving from weekly to monthly pay.

    As a Senior Citizen I am shocked by the cavalier attitude to money that exists among the young - I can't imagine spending £250 on a night out without planning and saving for it.- and definitely wouldn't borrow for it.
    Never pay on an estimated bill
    • Sky Shrimp
    • By Sky Shrimp 29th Aug 17, 8:26 PM
    • 37 Posts
    • 64 Thanks
    Sky Shrimp
    I've spent over £400 on a night out. I appreciate your advice and already know.

    The thread isn't about me. It's about SafetyNet Credit alternatives only.
    • Richey_
    • By Richey_ 29th Aug 17, 11:46 PM
    • 323 Posts
    • 377 Thanks
    Richey_
    Yawn
    Irresponsible Sky Shrimp - the pitfalls of youth.
    £400 for a night out, wait until you have responsibilities and children.
    You clearly cannot afford £400 or £250 for a night out as you resort to very questionable lending when you are low.

    People have tried to help you and clearly failed - it's your life.

    I hope you are not planning on a mortgage within the next 6 years (unlikely with your caviller spending attitude) but if you are high street lenders really don't like pay day loans and the more you take the worse it looks.

    You give away your Online banking details for the price of a couple of pints.

    I am not replying any more, it's boring. Good luck and as stated it's your life and your decisions
    • Barry2314
    • By Barry2314 29th Dec 17, 7:37 PM
    • 2 Posts
    • 0 Thanks
    Barry2314
    Yeah yeah. I totally see through you me. Your the same as all the rest of us. Thinking about who else you can mug off like this SafetyNetCredit. My thought processes did the same. E.g 💭 are there any more like this that seem desperate to make a buck by gaining access to my online account that I can just mug off at the end of it by changing my password. Donít deny whatís obvious itís what all of us would do. So the answer to the question is no itís just this one that does this. Next step Provident.
    • Barry2314
    • By Barry2314 29th Dec 17, 7:43 PM
    • 2 Posts
    • 0 Thanks
    Barry2314
    Of course you paid them. It increased your credit. Youíll increase that until you canít or wonít want to pay them. Then ignore the phone calls and emails. I think they are still chasing me for £350 pfft. Every now and then I get a final settlement email where they have reduced it to something silly like £150 and Iím still not gonna pay it they can go whistle.
    • Richey_
    • By Richey_ 29th Dec 17, 9:38 PM
    • 323 Posts
    • 377 Thanks
    Richey_
    Bizarre rant Barry but welcome to MSE.....
    • Chloelouanne
    • By Chloelouanne 14th Sep 18, 3:38 PM
    • 2 Posts
    • 0 Thanks
    Chloelouanne
    Judgey!
    I HAD to sign up to this site after looking at this comment, i came across this thread by complete accident, but was appalled when i see so many people targeting this person with advice he/she did not even ask for. Ridiculous, pipe down you idiots.

    Poster; Please don't listen to these ridiculous judgemental people.
    I have been using safetynet for over three years and its fabulous; never once have they taken anything out of my bank they shouldn't have and have not known them to do that to anyone else either!!
    YOU are entitled to get a loan FOR WHATEVER YOU WANT as long as you can afford to pay it back which you have already said you can. It doesn't matter if you wanna spend it on a few beers and a shop; you go man!! life is so short and you are working so why the heck not!!

    Sending positive vibes your way; another alternative is drafty.com.

    hope this helps!!
    • Chloelouanne
    • By Chloelouanne 14th Sep 18, 3:43 PM
    • 2 Posts
    • 0 Thanks
    Chloelouanne
    Agreed!
    I don't have children. My new job gives me enough to live on. Trying to borrow £100 for 6 days isn't financial suicide

    A ton only buys a few rounds on a good night.

    You've blown this way out of proportion tbh

    (INB4 it's a good job you don't have children)
    Originally posted by Sky Shrimp
    Agreed with the whole out of proportion thing.
    I am 27 and have been using loans and paying back loans for bits like this if my pay mucks up or have started a new job, im in no financial problems, so silly people can take this as its you throwing yourself off of a building. oh !!!!.
    • Pixie5740
    • By Pixie5740 14th Sep 18, 3:47 PM
    • 13,272 Posts
    • 19,097 Thanks
    Pixie5740
    Agreed with the whole out of proportion thing.
    I am 27 and have been using loans and paying back loans for bits like this if my pay mucks up or have started a new job, im in no financial problems, so silly people can take this as its you throwing yourself off of a building. oh !!!!.
    Originally posted by Chloelouanne
    The irony! Mind you I would expect nothing less from the kind of eejit who would hand out their online banking login details to SafetyNet. Then again you could just be a spammer or someone who work for SafetyNet given you've dragged up a zombie thread.
    Last edited by Pixie5740; 14-09-2018 at 3:51 PM.
    • dealer wins
    • By dealer wins 14th Sep 18, 6:14 PM
    • 6,074 Posts
    • 11,771 Thanks
    dealer wins
    Spam spam spam spam lol
    Choose life
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