Need a consolidation loan, have bad credit help!!?
Answers:
You don't need another loan (paying higher interest and consolidation charges!).
You need willpower! Cut up the credit cards, bin the catalogues, shop at Lidl/Aldi/Netto instead of Tesco. Cut out the luxuries. No more take aways/junk food/crisps/Coke. Buy basic food and prepare and cook a meal instead of heating up (expensive) shop prepared food. Stop smoking/drinking etc etc.
Sounds as if you are not to deep in trouble but worried about the debts all the time.
Work out what you can afford (then take a bit off to cover unknown yet problems). Make rational decisions as to what you want to pay to each creditor. Pay more of the ones with the highest interest rate!! Remember the loan companies are mainly interested in steady repayment.
Contact each company and explain the problem and promise to pay £x to them each month. YOU MUST keep up the payments or they come down on you like a ton of bricks!
Perhaps a year of really going without will sort you out - and also show you what a bad lifestyle you had! It will then have all been worthwhile. You will be proud of yourself and more importantly you won't do it again!
If you can't do this yourself the Citizens Advice Bureau offer a free service.
Really watch the interest rate. Read the fine print. Some say they can up even double interest rate if you miss payment. Better idea is to go to non-profit credit counseling service. Be careful that it is a social service not a profit business.
Maybe that's not the best thing. If you get one then you need to be sure you wont reuse the catalogues or credit cards which is a VERY hard thing to do.
If you want one and have bad credit you will be stung by the lenders that will offer help (citifinancial for example, typical bad credit interest is 43%!)
Maybe you need to get matters sorted without further borrowing... i speak from experience and use a company called Spectrum. I pay them one amount each month and this is spread between all my creditors with their agreement. Interest is frozen and no charges are paid. Also is the option at a later date of settling on a lower amount than what is owed, but they'll talk you through all this.
They're at: www.spectrum-financial-service...
ccj's and defaults are the only things that should stop you from getting a loan! Late payments dont normally affect you too much
HELLO
I KNOW OF A LOAN LENDER THAT CAN OFFER YOU THIS LOAN THAT YOU NEED.SHE IS MRS WEE SOND.SEH OFFER ME A LOAN OF $36,000.00 AND I KNOW THAT SHE CAN ALSO OFFER YOU THE LOAN YOU NEED SO I WILL ADVICE YOU TO E-MAIL HER ON wee_investment@yahoo.com
THANKS
MRS.KINGS
Go to your Citizens Advice and they will get in touch with your creditors for you, they will get the interest stopped and make new arrangements for lower repayments.
Visit the below website
"Debt consolidation is nothing more than a "con" because you think you've done something about the debt problem. The debt is still there, as are the habits that caused it - you just moved it! You can't borrow your way out of debt. You can't get out of a hole by digging out the bottom. True debt help is not quick or easy."
Do you have a written budget. Get on one. Take care of essentials first: food, clothing, shelter, utitlities. Then list your debts. Give every dollar a name and a mission. You'll be amazed to find where your money is going.
Don't get a loan - you will just get even further in debt. it's your money habits that need to change.
Go to citizens Advice. They will help you with debt management and it's FREE.
Hello everyone,
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NOTE:THIS OFFER IS OPENED FOR ALL!
Hello Everyone,
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NOTE: THIS OFFER IS OPENED TO ALL!
HELLO
I KNOW OF A REGISTEREDE AND CERTIFIED LOAN LENDER WHO OFFER LOAN AT A LOW INTREST RATE.I GOT A LOAN OF $35,000.00 FROM HER.SO NOW THAT YOU ARE IN N EED OF ALOAN,I WILL ADVICE YOU TO E-MAIL HER NOW ON darlinton_investment@yahoo.com... AND GOD BLESS
REGARDS
MR.HOOKSMAN
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