 Is a 592 credit score horrible? |
| That is my score, but I own a home and make over $40,000 a year. I was 30 days late on my house payment 1 time. I have one charge-off from 3 years ago, when i was broke, and 2 old phone/tv bills(... |
|
 Can I make personal charges on my business credit card? |
| My car broke down recently and I need to buy another one, but I can't afford to buy one right now. I'd have to lease or finance, but I have a business credit card that has 0 APR for a year,... |
|
 I want to open a bank account but have a bad credit rating? |
| Does anyone know where I can open a bank account where my credit rating wont be a factor - I dont want an overdraft, loan facilities or credit card...just an account and a debit card.... |
|
 HELP! I'm being harrassed by creditors!? |
| I am very on time in paying my bills. About a few months ago, my employer at the time shorted my hours making it a hardship on me to pay my bills. The only thing that I could get by with is paying my ... |
|
 Returned an item and they gave me a gift card.....? |
| ok i bought a guitar pedal at this crappy/expensive guitar shop near my house and returned the day after and they gave me store credit on a gift card.... but there prices are ridiculos like the pedal ... |
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| Whats a good bank for students ?!? |
| anything other then bank of america. thnkx.... |
|
 If I get married and I discover that my wife has $8000? |
credit card debt, am I responsible for her debt if the credit card
company decides to bring it to court? If so, that seems very
unfair. Any suggestions?... |
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 Out of these three what should i choose; if i am getting these free of cost!!? |
since i hv shown good results in my office(company)
i hv been offered to choose any one of these. its a type if gift for me:-
1) A World Space Satallite Radio
2)Dinner for family at ... |
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 I have a creditor calling me? |
| They want over 7,000, but are offering me a settlement of 2,400. They wanted it all at once, or in 3 payments of 800. I told them I cant afford that, and could give them 250 a month. Now they are ... |
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 I do not wish to have a credit card how can i get a debit card? |
| I am new to the U.K. And do not need to pay interest on any credit card I have never used one my whole life we have allways saved the money and payed cash but these days one canot be without a card ... |
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| New to the credit card thing? |
So, I got a credit card, and racked up a $470 bill, so before I got the statement I made a $200 payment.
I got the statement and it says they received the $200, and now I like $276 or something..... |
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bornred | Do i trust these people? |
i have just applied for a loan,
and have been told that i must pay 49.50 admin fee
is this correct and is it because its a smaller lender and i have adverse credit |
 |
 
Caz300
 |
Companies like these take advantage of people with poor credit histories. My advise is to keep clear, it is companies like these that will bully you into making payments and can and will increase payments at the drop of a hat.
The links below have some useful information on them which may help there is a lot of reading involved but the advise if priceless in the long run. |
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alatoruk
 |
in answer to your actual question - i dont know, do you trust them?
in answer to the question I think you meant to ask - this is a standard "loan finding" company trick. You are paying them to find you a loan, of course they might not and then you would have paid them NOT to find you a loan, either way you paid THEM not the loan company.
Personally I wouldnt touch it with a bardgepole disinfected at both ends, but you might be more desperate for credit than me (I was bankrupt years ago so dont want loans agian if I can help it). |
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peach
|
The safest place to apply for a loan is a bank or credit union. Some small lending places or the money quick to people with poor credit are very risky. They make hundreds or thousands more than you borrow on the interest they will charge you.
Go to a large well known place. Stay away from the small get money fast places. I have had many loans(all paid off I might add), and haven't had to pay administration fees up front. It is usually figured in your loan payment. |
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william w
 |
when you apply for a loan there are fees that have to be paid but that fee is usually added to the loan. check into that. |
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rebel
|
probably |
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Loulla
 |
No. Adverse credit or not, they shouldn't be asking you to pay the admin fee upfront. Usually the Admin Fee is incuded in the amount of interest and other charges you pay in with the loan. |
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jimporary
|
In UK, a building society or bank is the place to go for a loan. I don't think they charge an admin fee up front. Shop around for the loan, like you would shop around for anything else. Avoid small lenders which are not building societies - they are often loan sharks. Unfortunately, if you have an adverse credit rating, you may find it difficult to get a loan from a reputable bank or building society, because they would consider (probably rightly) that you may not be able to afford repayments on further borrowing. But you would only make matters worse by getting into the hands of a loan shark at a high rate of interest. Your own bank may be able to help you consolidate eg credit card borrowing, which tends to be quite expensive, into a bank loan at a lower interest rate, and reschedule it too, with a bit extra to tide you over. You can ask, anyway! |
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Kel
 |
Did you apply at a bank or other financial institution? I never heard of having to pay for applying for a loan, but I could be wrong. |
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Franco
|
Only deal with big reputable banks and other financial companies which are well supervised by the government and the press.
Small money lenders are the scum end of the business. There is nothing they will not do. Avoid them like the plague. |
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Nneave
|
I volunteer for a credit union and I would suggest you try and contact your local branch the list will be at www.abcul.co.uk
If that doesn't work out for you PLEASE make sure they are FSA registered. It wont mean they are a good deal, but atleast they are legal.
Might be worth looking at www.moneysavingexpert.com as he usually has the best offers listed, if they will take you. |
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esmerelda v
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The admin fee is someones profit! |
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Mike Hunt
|
no dont pay the upfront fee. consult some of the larger banks and loan companies, they should give loans without upfront payments. |
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Cockneyrebel
 |
yeah sounds about right..most companies will ask for an arrangement fee even larger banks will( there are a few that don't).! I believe Halifax, TSB are among a few who do! so don't be scared! |
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Dawanna J
|
No, you should not pay anything up front. |
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Dimples
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Sorry hunny, this is a scam. It is a brokers fee for finding you lenders that MIGHT give you a loan. You will just end up worse off by £49.50 |
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SUZANNE R
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dont ask me mate-!! xx |
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