Can i take out a loan without any credit? |
| I'm 18 and want to take out a cosmetic surgery loan. but it says you need to have at least decent credit. can i still do it if i dont have any credit at all? like ive never had a credit card or ... |
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Can somebody tell me a good way to settle my credit card debt without destroying my credit? ? |
| I recently lost my job and i can`t keep paying not even minimum balances. I have around $9.000 in debt and minimum balances add to almost $500 a month + i have the car payment with insurance $600 a ... |
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How long can a credit card keep sending you bills? |
| I have been receiving a bill from thee same credit card for 14 years, they keep adding interest. i was under the impression that the account was closed in 1992.... |
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I need a loan. Iam desprate someone please help!!!!? |
| I'm 19 years old and I'm in credit card debt, apartment debt and school debt. I need around $8,000. I was called about a loan acouple of months ago that would give at least $5,000 loan with ... |
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I have cant get any credit, can buying a phone with no credit check really help me rebuild it? |
| I cannot get a mobile phone, catalogue, store card or anything that involves credit no matter how small, but I can get a mobile phone through a no credit check finance company which promises it ... |
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I have a credit score of 549. Seeking 100% home loan for 120,000. Already approved for 80k. Any suggestions? |
| The only negatives on me credit report are a 60 day late car loan that I cosigned for and my credit card debt is a little high. But all other payments have been made on time. I need to move and ... |
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Iv lost my bank card, need some help!? |
| I lost my bank card a couple of days ago and I have to wait for a new one, how do I get money out of my bank in between as I need it urgently. Im at Barclays. Can I bring some ID down and verify some ... |
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Need some financial advise? |
| Okay, about two years ago I started getting behind on things because I had to take a very low paying job. Well, it has gotten out of hand because I haven't been able to pay on anything for ... |
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If I think a bill from a merchant is too high and refuse to pay the full amount, does it go to collections? |
| I recently received a bill from my CPA for $450 for doing my taxes. I am a single W2 filer, and this amount is outrageous. I am not willing to pay the full amount. If he insists on being paid this ... |
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I have 240 bucks in total, I have 3 bills to pay. I know I dont have enough but I need to pay 89 to y visa? |
| 107 to my mastercard and 133 to my cable/telephone.Which would u pay.or how would u split the money so each get equally.... |
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Can a company debit my credit card before they have despatched the goods? |
| I thought I'd read somewhere that this wasn't allowed and it's happened to me twice this month!... |
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How many credit cards are too many? |
| Is there a certain number of cards that a person should stick to having? Like for examply I have 5 credit cards right, but my total debt/credit line ratio is only like 30%... is this bad?... |
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If I close the credit card I've had five years, and open another, how does that look credit wise? |
| I've had the same credit card five years, and have never been late with payments. However, I'm planning to pay that card off and have it cosed in exchange for another with lower interest, ... |
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Doesn't rent count as credit? |
| I've applied at places like Kohl's, Sears, local grocery store, and online. They all say I have no credit. I even got my credit report from one of them and they said I don't have bad ... |
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Did my coworker get what he deserved? |
| About a month ago I pissed off one of my coworkers and he called me a c*nt. I am not one to get mad, just even. So I let it go, knowing that his time will come. So...low and behold a creditor just ... |
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I need to know a debt consolidation company for payday loans? |
| I need to pay these check advance places but I need help. Do anyone know of a debt consoldation company that will do this?... |
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My credit rating is very very poor, I've been paying everything on time but its not improving? |
| I noticed about 8 months ago that my credit score is very poor(511) so I took the nessary steps and got my 3 open accounts up to date I also cleared 2 defaults lately and took my store card below its ... |
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X Heidz X | Bailiffs may be given the right to break in2 homes for credit card debts?? do you think that is fair? |
after all..it is the credit companies that cause this problem in the first place!too easy to get credit!! |
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trish s
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These companies make it far too easy for people to get into debt and should be forced to take some responsibility..As for bailiffs breaking in ! I hadn't heard that one;They aren't allowed to enter premises without a warrant or an invitation..If they're allowed greater powers,we'll have any old body breaking in and blaming it on bailiffs.. |
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Silke
 |
I understand what your saying, but surely the individual has some responsibility. You don't have to spend money you don't have. |
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13rich02
 |
They're trying to allow it as a last resort which I think is fair so long as the right safe guards are in place. For example, things could be tricky if a debtor was in a shared house and arrived home 1 day to find their co-tenants' belongings gone. I moved into a place 6 months ago and it looks like the previous tenants have racked up debt under my address. Fingers crossed such situations will be investigated before an address is broken into. |
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Katie B
 |
I think this is terrible what if they have a mistaken identity! At my old house a family down the road were using our address and my mum had to keep rining the bailiffs up saying they had the wrong address. Also my company keep getting letters for a company who went out of business 5 years ago. |
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Little Bo Peep
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Firstly, I don't blame the credit companies for individuals getting into debt - just because it is easy to get credit doesn't mean that you have to get it! I have debts and I know that it is my responsibility to keep these debts manageable.
However - I am concerned by the possibility that bailiffs could be able to force entry into peoples homes. The bailiff industry does not currently have adequate regulations to ensure that if this law is passed that the new powers will not be abused. |
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k²
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Bailiffs should not have the right to break in, full stop. If they're there to enforce a court ruling, get the police to gain entry. Why give these thugs the free license to break into homes and intimidate people? |
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just-dave
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They have some powers now ie i think if they gain peacefull access first time they can use reasonable force next time, it's open to abuse, if anyone has a few debts it's best to avoid the bailiff situation and get an IVA or see the CAB for advice to avoid it but yeah wow! it's an invasion of privacy and technically a crime just to sell a few odd items at maybe 20% of their true value, SHOCKING Forgot to say, credit card companies should be insured for bad debt too so why punish us so harshly? i keep getting credit card cheques with letters saying spend spend spend! and then raised limits, they want me to get into debt? |
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Tallboy
 |
Take responsibility for your own actions. It is not the fault of credit companies. No one is compelled to use a card. What are you suggesting? That it is ok to use credit and not pay back and keep the goods. Get real! |
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Simon D
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If they pass the law, it's time for rebellion.
Or we could just re-instate debtors prisons and feudalism.
Whichever you'd prefer. |
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MJQ
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I agree: shocking! A true opportunity for abuse--perhaps something that will lead to a new debtors prison system. |
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professional professional
 |
if anyone broke into my home i would not be waiting around to find out why i would shoot first and ask questions later. |
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luddite
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It's not the credit companies fault that you're in debt, they don't force you to take a loan. People need to take responsibility for their actions. It's no ones fault but your own.
As for bailiffs breaking in, well that's on dodgy legal ground. I'm sure there will be problems with this. |
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shih tzu lady
 |
Dont agree. No-one forces you to take credit. Pay your debts like everyone else. |
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rose_merrick
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I agree. Noone should be allowed to break into your home really, unless the police have a search warrant, of course! other than that, why should they take your stuff? |
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tammipup
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In a WORD, - NO! |
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lou b
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That's exactly what I was going to say.
You're encouraged from all quarters to GET THIS.....NOW !!! And it wears you down in the end. |
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