Resolved Question

Please help.....Loans for bad credit.....?

Hi there

My husband and i are in desperate need of a loan between 4,000 and 6,000 pound the thing is i am on maternity leave at the moment and am not sure if i will be returning back to work for some time and am only receieving maternity allowance and child benifit so do not bring in enough to meet the criteria of applying for a loan and even if i did, i applied for a current account with abbey several months ago and they have credit checked me 6 times in one day so now making my good credit score poor and no reputable loan company is going to touch me now(prior to this i got our sofas and washing macheine on credit in my name so my score was good), my husband is in the armed forces full time after checking his credit score and file they seem to be in good shape yet he is being refused a loan by reputable companys like the banks and post office etc etc,

About a month ago i had a loan company called loanandgo get in touch with me saying they could give the full 6,000 pound we were after me being very niave and not realising what these brokers are actually like i gave them the admin fee they were asking for (49pound) later on to find out they had put me into a memebership with MRSCASHBACK who actually take the admin fee for loan and go this is now being disputed by my bank due to me not wanting the service they put my details into, i have not recieved any paper work or anything to do with this loan.... so they have take 49pound of my sons child benifit and i havent even had a letter from them they are a real scam.

Well last friday my husband came across a loan company called Loans4sure we had been told that we could borrow 4,000pound and that they wanted a admin fee of 49pound wich we said we could not pay as of yet but in a few weeks time we could they said it was ok and that they will send the paperwork out for us to look over before making any decision well i typed in Loans4sure on google about 20mins ago and what i came up with has made me a little dubiouse i came across a site that basicly say this company is another scam, my husband and i are so in need of a loan but we cannot afford to be ripped off again (we wouldnt be applying for a loan if we have money here and there to throw away)

My husband and i are currently on loan finder data base who based on the criteria my husband and i have stated they are trying to find us the best loans etc etc, well we have to both pay a fee to that company to have there service and as of yet they have found sod all!!! to help us and we just keep being refused by the people they are suggesting.

What i was wondering does anyone have any experience with a loan company for bad credit (loan in my husbands name) who dont go thorugh a brokerage and are the people who will finance your loan themselves? We do not mind paying a fee as long as we know we will recieve the money.

Sorry this is so long winded but we are at a lost end right now.
p.s can i say we are not intrested in any sort of debt consilidation.

Thanks guys.

Additional Details

BTW I AM IN THE UK SO I DO NOT NEED ANY AMERICAN ANSWERS as they are complately useless to me.

1 week ago

Btw can i ask why the fact y husband being in the military is bad he has a secure job no risk of being made redundant and has secure income of a good wage we have no problems with making repayments back

1 week ago

Best Answer - Chosen by Voters

creditreport.imess.net - try this service to boost you credit score before getting loan. After credit repair you can get the loan with minimal interest rate.

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Other Answers (7)

• Your can try for for some Bad Credit Loans. Just Google Bad Credit Loans and you will find a number of lenders there. Or otherwise you can try for Payday Loans. I know that these loans have high interest rates and charges but you can get them easily and without any hassles. If not much but can be of some help to you. You can get more details from http://www.samedaypaydayloans.co.uk but this can only give you a loan of up to 1000 GBP and not more. Otherwise you need to search out for some good bad credit loan provider from your locality who can provide you with the loan mount.
  
  I hope that this could be of some help to you.
  
  All the best...........

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• you need to go to the military charities who will help you, you must stop joining these online loan schemes they are legal, but take the fee and then look for a loan...it all goes on your credit file even if you dont get one...I dont think you're going to get such a large loan as you've been refused several times...you may just have to accept this and sell some items...you need to check your credit history with Experion...but, mainly get some advice from a military charity...you're not doing your husband's career much good at the moment.

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• You might want to avoid payday loans some suggest, these will make things worse!
  
  Do not pay anyone any fee you can find the information online searching sites like http://www.cheaper-loan.co.uk the search box at the bottom.
  
  I am ex military and can only assume it is due to moving around a lot they penalise you?
  
  Also you can look @ removing entries from your credit file, its easy you do not need to pay some company to do it for you UK Credit Secrets has some very powerful info that does work for bad credit repair http://ukcreditsecrets.co.uk/
  
  Good luck

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• Hi.
  I honestly don't want to come across as being nasty but I think you are going to have real problems getting a loan and even if you do, the interest rate is going to sky high.
  I can't understand why your husband has been refused credit, would it not be worth making an appointment with his bank manager to discuss what the problem is?
  If your finances are really stretched at the moment, is it wise to try and take out a loan that you will probably not be able to pay back, probably not.
  Anyway, what ever happens, I wish you well.

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• I would be very carfull with any online loans asking for your personal info. Alot of scams are out there and any thing asking for money before giving you aloan.

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• These days, it is almost impossible to stay out of debt; outside pressures from family or work can sometimes be the cause. All is not lost if you have acquired a bad credit score; there are many online bad credit loan lenders to help. Money provided to a person experiencing financial hardship is no different to any other type of loan and can be used by the applicant in the same way.
  
  http://www.worldbestloans.com/
  
  There are other reasons bad credit loans may be required such as for domestic emergencies, unforeseen circumstances or for consolidating previous debts. It is not uncommon for a person to arrange a loan just so they can repair their damaged credit history. They may not require the money for any specific situation.

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• You should stop looking at a loan as the answer to your problems. A loan is only going to dig you further into debt You are unemployed and your husband is in the military. Neither of you are in a position to get a loan. You should stop trying to live beyond your means. A loan will not help you.

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