2006-06-07 05:24:54 · 12 answers · asked by graham g 1 in Home & Garden ➔ Other - Home & Garden
What are CCJ's? Don't get a loan if you can't pay it and you know that information. Just live within your income and don't overspend.
2006-06-07 05:26:27 · answer #1 · answered by ? 6 · 1⤊ 0⤋
CCJ's = Country Court Judgements issued when bills have failed to have been paid for whatever reason. Think they stay on your record for 6 years.
If you are wanting to take out a loan to pay off another, that is NOT a good idea. I would take some free legal advice from the Citizens Advice Bureau before you go any further. They have been invaluable help to me in the past and it doesn't cost a penny. They can also write on your behalf to companies you owe money too and will negotiate a payment plan for you.
2006-06-07 05:49:41 · answer #2 · answered by lollipoppett2005 6 · 0⤊ 0⤋
hi
you can go to www.infoshop4you.co.uk and get an e-book about this for 99p.
ocean finance and kensington are good but watch the rates.
if ccjs are big then purple loans will do it but at a price.
BFG4
2006-06-07 05:30:14 · answer #3 · answered by BFG4 1 · 0⤊ 0⤋
have a good search on the web, and be careful. I have no CCJ's but a poor credit rating, and Welcome Finance wanted to charge me 47% interest!!!! Are you in the UK? I eventually got my loan at 24.6% and could give you details of the lender if you like?
2006-06-07 05:29:16 · answer #4 · answered by melnellie2000 2 · 0⤊ 0⤋
Difficult but think why you need the loan, contemplate the possibility of an IVA, this can reduce all of you total debts by 90% and the interest stops accruing and you have 5 years to pay it off.
2006-06-07 06:34:34 · answer #5 · answered by doug gosling 1 · 0⤊ 0⤋
Provident. They sorted me out a loan and they come to your house every week or month to collect the money, intrest rates are high but it's a good service.
2006-06-08 03:40:08 · answer #6 · answered by pico198 2 · 0⤊ 0⤋
Black Horse Finance were good when I had a bad credit history, they are a division of Lloyds Bank
2006-06-07 05:27:29 · answer #7 · answered by david b 2 · 0⤊ 0⤋
Go to Satrialies in Joisy and ask for Vito.
2006-06-07 05:27:08 · answer #8 · answered by Anonymous · 0⤊ 0⤋
If you have a mortgage and you really need a loan, try www.afg.co.uk
2006-06-07 05:28:09 · answer #9 · answered by Anonymous · 0⤊ 0⤋
Try www.fcml.co.uk, they are quite good at it.
2006-06-07 05:46:39 · answer #10 · answered by Anonymous · 0⤊ 0⤋