 Getting back credit card charges? |
My credit card just defaulted, and they company are being pretty awful to me. I am a student and genuinely cannot afford to pay the large sums of money that they are expecting me to pay back.
I ... |
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 I got the credit card, but when I took it to the bank,they said that they havent seen such a card yet,help me? |
Additional Details
This card was sent throught Microsoft Lottery to me. There is even written my name and Global Quick Cash. but they are asking me a huge amount of money in order to ... |
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 Should I cancel my credit card? |
| Somebody stole my credit card but I don't want to cancel it because he spends a lot less money than my wife does.... |
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| i am 19 and my mom ruined my credit before i turned 16 but i dont want to press charges against her and my debt is thousands and its not form me and i am suffering. I cant find a company that would ... |
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| Okay, Credit cards started coming in after my senior year of HIgh School.My parents and I decided that I would get 2 credit cards..and pay them every month.Well, I did that for a year.Next thing that ... |
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 Is my credit card account active? |
| I got this credit card in the mail because I applied to see if I could get it. I don't remember saying I wanted it but I got the card anyway and it came with all the rules and charges etc. Does ... |
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 Need a persoanl loan yesterday.... my credit is not good ....no collateral ....? |
| alot of overseas private lenders respond but ask for 400.00 to 2000.00 for me to deposit in order to get the loan .... i have never heard of such a thing>> scam????anyone else heard of these ... |
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 Ive never had a credit card. I have no credit, what do I do? |
Ive never had a credit card. I have no credit what so ever and need some fast what do I do?
Additional Details
And I am over 18... |
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 Personal Loan? |
| Does anyone know anyone legitimate who would give a personal loan. I have lost about $9,000 with scammers, and need someone legitimate to help me get back on track again.... |
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sugar | Loan application- have u done this?? |
Have any of u ever applied for a loan and get back a letter saying ur application has been approved- and that u need to send a brokers fee of £49 to process it??- Is this a con where they get your £50 and then dont give you a loan??? (UK)
Additional Details
I havent applied to the banks cos i have a really bad credit rating so i know i wont get one- I am a tenant aswell so no security. |
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kaingirls
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i know lots of people that have paid brokers fee's and got the loan. The brokers usually refer you to a company called Welcome finance, or London Scottish. My friend paid the brokers fee and asked for £5000 and got £2000, so i rang the company directly( welcome finance) and applied for a loan of £5000 and got £2000 without paying the brokers fee.
The brokers are just the middle person, but the yellow pages or 192.com can be your middle person-cos thats all the broker does-give you the number |
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giga_the_freaky_dragon
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Abbey national prolly have the best rates around at the mo... 5.8%. Apply on their website. I did and got approved... although I didn't actually need the loan after that! |
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dick19532003
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it does sound a bit strange ,maybe you should think again and apply elsewhere like banks and well known companies direct .
try looking around . |
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duncanjfield
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Some loan companies do do this, it is just a way of them covering their overheads. If you take the loan but dont actually draw down the money (take the money out of the account) they have tied up the money but you wont be paying for it.
As loans less than £25,000 are regulated you are protected by the consumer credit act in the event that the company you are dealing with is less than scrupulous |
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spoofred
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yep definetly a con u r better going to a bank or another reputable loan company, whatever u do DONT send that money |
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Mogseye
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Apply direct to a loan company that way you cut out the broker. Most brokers get a commission from the loan company for selling you the loan in the first place so I wouldn't ever pay a broker a fee. |
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big pup in a small bath
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It may NOT be a con but I got one from the Nationwide and didn't have to pay a fee |
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Realness
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I would suggest that you go and see them in person, and view the conditions of approval, but don't be signing anything until you see the credibiltity that the office offers...
I have worked for banks & non conforming lenders....
The banks will generally make you payout any other defaults that are present on your credit file, however they have the right considering that you have no security to raise the rate, considering that in their eyes you may be a risk. Just a way they can recover any funds if they had to support a loss.
Alot of brokers get paid commissions from the bank/lender however a application fee is payable upfront or they can build it into the loan.
If a broker is asking you for $50 is propably because they have are secured a fantastic rate, which is cheaper over the term of the loan in comparison to the commission or broker fee paid.
The bottom line is sweet The banks have bigger overheads and have to pay all staff on a minimum wage & pay their staff commissions too. |
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GLYN D
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A con |
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David D
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I found some good info here. |
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vitalspark3
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Having a bad credit rating leaves you open to all sorts of dubious deals from companies willing to take the risk and lend but this is a new one on me! Normally they'll just hit you with really high interest rates. I'd be very wary indeed! |
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