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claire | I am looking for a loan to pay off my debts, many companies refused me, can anyone help me? |
despite paying billsontime, ebcuase i have ltos of undecured debt too quit afew card companies with high interst i cant get out of debt without a loan! i am consdering debt managemtn but want to be in control my finances myself so thats a last resort!help! |
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Tyanna-Daisy
|
When I split with my ex he left me with countless debts. I went with a debt consolidation company as I thought it was the only way out. It was a rip off, I'm paying £311 per month, all they do is to contact your creditors and offer a minimum payment. You can do this yourself for much cheaper. |
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cleocat
 |
Don't know if you need more help with your debt or your spelling.
Go to the C.A.B and they have free debt advice which is very good and up to date. |
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TAFF
 |
Go for debt management at least you will have one set payment and you will probably be better of each month. Good luck |
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fourbytwo
|
To be honest I imagine a loan is actually the last thing you want because you are incurring a bigger debt than you need to. What I suggest is:
1. write down what you owe to which company
2. work out your total debt (scary but necessary)
3. write down all sources of income you have and also any assets you have that could be cashed in and decuct all essential expenditure such as mortgage, gas, electricity etc and see how much you are left with. Divide what you have left by the amount you owe each creditor. This will give you a figure (which might look ridiculous) you can offer to repay for each pound you owe. Here's an example:
You owe £25000.00 in total - of this you owe
A - 6000
B - 4000
C- 10 000
D - 5000
After calculating how much you have to pay your bills you have £50 to pay all of your creditors 50 divided by 25000 = 0.02 per Pound owed so you would offer A £12 a month (6000 x 0.02) B £8 C £20 and D £10 each a month.
If you can prove this is all you can afford and you show you are working out fairly what you can pay to each most companies will be reasonable and probably stop charging interest - even if only for 6 months at first - which will be reviewed at the end of that 6 months and probably extended. If they agree to your reduced payments then make sure you keep up the payments you have promised to make. You can try and fix this up yourself but some companies might prefer you to go via the CCCS - who will help you, but may advise they will only act for you if you let them handle all of your debts - which may not be convenient if you've already made some arrangements yourself. In which case tell the companies who won't deal with you directly that you know your rights under the Banking Code and that they are obliged to assist you if you find yourself in financial difficulties. You can pick up a copy of the banking Code in any Bank. My last piece of advice is not to be scared if you are told your debt is being passed to a collection agency - they are usually fair and will also accept reduced payments provided you keep your side of whatever bargain you strike with them. Do not put off opening envelopes that you know are likely to be threatening letters- they be what you expect but you cannot hide forever. |
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canela
 |
Don't borrow money to pay money you owe. That's just bad planning. Immediate relief from many debts for one large one. You should seek credit counseling. Bite the bullet now, my friend. They'll teach you how to live within your means and help to manage the repayment of what you owe. |
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dels replies
 |
You have really got to do it without a loan You will be deeper in the mire if you have a ,loan.Do what the debt management companies do. Contact the people you owe and say that you are in difficulties.Make an offer to pay them what you can afford even if it is less than what you are paying at present.Ask them to freeze the interest.Then you must pay the amount agreed,no going back on it.In order to meet these payments you will probably have to curtail all your other spending for a while.You have got to pay your rent or mortgage,your utility bills and council tax,but a lot of other things you may have to cut back on for a while.No pubs,clubs or nights out(you cant afford them) Your social life will probably cease to exist,It is one of the penalties for letting your finances get in such a bad state.You will have to live the life of a pauper for a while until things improve.But don't get a loan or you will still be in debt at your funeral. |
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magiclady2007
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contact creditors and explain the situation. they will allow you to pay a reduced amount back as long as they are getting paid back. it might take a long time but is better than getting a loan to cover all. otherwise contact th c.a.b for some free advice |
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Ollie
 |
Hi,if your in the UK go to citizens advice they will help you.Good Luck |
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beverley.newman1@btinternet.com
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If you own your own home and there is any equity in it,then sell up,pay off your debts and start again with a clean credit sheet.If you do'nt,then the CAB should help with advice and practical help. |
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Veronica Alicia
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Go to Citizens Advice Bureau - find your local branch from the telephone book.
Ask to make an appointment with their Money Advisor.
They help people sort out their bills, finances, write letters to debtors, etc.
Should there be any legal problems involved, they will sort that, too.
Best of luck |
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Joseph Sangl
 |
I would call each of your creditors and say this:
"I know that you don't have to do this, but I am asking that you please lower your interest rates and fees on my account. I am having trouble financially, and I am asking you, I am BEGGING you to help me."
You will be surprised how much they will lower the rate and eliminate fees when you ask them, as a humble person, to help out.
I used to be in piles of debt until I STOPPED acquiring more debt. In 14 months, I paid off all of my debts and have lived that way ever since.
In fact, I am on a crusade to help others with their personal finances. One way that I help is through my personal finance blog at http://www.josephsangl.com - Be sure to check out the FREE budgeting, debt freedom date calculator, and other tools in the "Tools" link. |
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vex
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Getting a loan will just increase your debts, try asking family or friends instead. |
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Randy Gaye
 |
Try switching to 0% credit cards. Halifax have got 12 mnts at 0% ring up your current credit card suppliers and ask if they have any offers on they maybe able to offer you a lower rate it may involve you transfering balaces from one card to another . In term's of taking out a loan it would probably worth trying lloyds bank.
if however you have been turned down for a few loans or been applying for quite a few loans this will effect your credit rating. so it would be best not to apply for new credit for the next 10-12 months if you do go ahead and borrow more money you need to know how your going to repay this money back . if you can't repay then don't borrow anymore contact your lenders and explain your situation say that you want to pay the money back but are having trouble most of them will lower or freeze your interest for a short period it may also be possible to extend this period. Don't go down the route of IVA and definatley not bankruptsy avoid at all costs. if you cant contol your finace's best not to have credit cards. |
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jaswinder
|
you can apply for a loan to goddess luxmi
she ownes all the money in the world.
that should be no problem |
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mjorod
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No one will give you a loan BECAUSE you don't how to control your own debt. Go to debt management. DON'T use one that requires payment. There are many free services available. Check with you state. While you're learning to manage your money take a spelling class or learn to use spell check. |
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brian p
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Hi.
This site can definately help you as some companies do not use credit checks and you can get FREE advice on debt management :
http://bestukloans.co.nr |
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Mustbe
 |
Maybe this will help
http://www.badcreditloanservices.com/ |
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qasarasara
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hi the best thing to do is go bankrupt or get a provedent loan |
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mysterious woman
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try loans.co.uk. |
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Rhino
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I can lend you a tenner til pay day. |
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