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chazza | Financial worries - UK answers only? |
I owe £17k on two credit cards and am struggling to keep up with the repayments. I do not own my own home so do not have any equity. The credit cards are not coming down due to the high interest and I cannot seem to get another one so I can at least transfer the balance to a 0% rate.
My combined income with my partner is £30k per year and we thought about getting a 125k mortgage to buy a small property and also to pay off the debt (but none of us have a great credit rating)
Does anyone know who would possibly help with either a mortgage or a £17k long term loan so we can get out of this financial mess. |
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jayteaches
|
Well, first of all, it is good that you realise that you have a problem here, and you have taken the first step.
I think you need to think about sorting out the debts you have now before you take on any further debts, as in a large mortgage.
it does sound as though, you might need some counselling to help you sort out why you got yourself into this situation. You really need an independent financial adviser to help you, but they cost money!
You need to find a good independent financial company that will look at your debts and possibly write off some of these as "bad debts" so that you won't have to pay them all, but you would have to make yourself bankrupt, and yes, this would make it difficult for you to get future credit.
Try:
http://www.debtready.com/
but be careful - you will need to assess them, I do not have personal experience of them.
Another idea would be to go along to your nearest Citizens Advice Bureau, I am sure they would be able to advise and support you - they may be able to get you a free appointment with a solicitor.
I hope this helps and i wish you all the best - I Hope you get it sorted out.
God Bless you and your partner:>) |
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Hibee
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Pay off the debt first, otherwise you're swimming against the tide. Interest rates are going up. |
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edi_nbu_rgh
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Watch daytime TV, it's full of adverts for this sort of stuff.
Good Luck |
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Ò‰FuzzyÒ‰ - Ò‰No-NosedÒ‰ - Ò‰ChimpÒ‰
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Will your bank not help? Going into the bank and discussing solutions can be worthwhile. Avoid anyone who advertises on TV saying they can get you debt free in 5 years, all they are after is their cut. IF you are just struggling it is unlikely that a judge would permit you to go bankrupt, so I wouldn't consider that.
I'm no expert, but isn't there ground to close the credit card accounts and pay it off without further interest, or is that just more of these crap adverts on daytime TV? |
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wave
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please don't use credit cards after you get out of this mess, they are nothing but bad news. |
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MSMORTGAGE
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Lots of people have a bad credit rating it does not mean you cannot get a mortgage. Firstly, the credit card situation will need looking at, maybe cut them up and negotiate a deal with the credit card company to pay them off over a period of time. The mortgage is another matter. If you need 100% mortgage you will have difficulty, the only way around this is a deposit paid property like a new build. Need any help e-mail me - Good Luck |
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eGuy
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http://www.nohasslebargains.com/loan/id1.html
UNITED KINGDOM
Financial Services |
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salomissi
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You need to firstly speak to your credit card people and se if you can negotiate a repayment plan, some are more helpful than others. They may reduce your monthly payment or freeze the interest on the outstanding balance to help you see the end. If they are being difficult seek advice from CAB as they can negotiate on your behalf any they have to acknowlege the CAB requests. A mortagage may be difficult to obtain as they credit check and any outstanding credit can be adverse to your application. If you were accepted it is doubtful the mortgage company would lend you that amount on top of your mortgage as a secured loan as it is usually based on the value of the property.
It is difficult to find the best solution sometimes as you dont want to increase the borrowing time or the amount borrowed as you would with a consolidation loan, Ok as a short term fix but long term a big no no, been there done that still paying from about 8 years ago. Seek proper advice from CAB not one of these you see on the TV as they are profit making organisations with quick fixes for you but will affect your credit rating for years to come. You also have to be careful with declaring bankrupcy as any assets you own will be used as equity. |
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catherine m
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I think that you will really need to go to the Citizen's advise bureau for advise on your debt. You should all see an independant financial advisor regarding the mortagage. good luck |
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fttbhsx
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Do not turn short term (credit card) debt into long term debt!!!!
Yes, I know this does not address your actual question. Just thought it might make you think a little harder. Good luck. |
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debraalbagli
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See if you can do a partial balance transfer to a 0 rate credit card. |
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madamspud169
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There are many companies who will give loans to people with poor credit rating although you will have to pay back a high rate of interest.
You may be better off going for a consolidation loan as these companies advertise on tv all the time & can even stop the interest being added all the time.
The citizens advice bureau have debt counsellors and can help stop the interest they also know which companies will be best for you to try.
They sorted me out and stopped the high rates of interest we were paying and thanks to them we are now fine and have paid back all the debts and have a mortgage |
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Lawyer
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Contact Lloyds TSB Black Horse loan lenders. You can get a loan for 30k,repay yr credit cards and you'll have some money left as well. The interest of the loan is not high.
Good luck |
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sarkyastic31
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Sounds like you need some professional advice. Try the citizens advice, they can point you towards the right people. |
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