I live with my father and sister and am in full time employment. I have several loans and 2 credit cards that I want to clear. I also have a CCJ and some late payments. I want to reduce my outgoings and get one loan to cover everything. Does anyone have any numbers or internet connections to help me? I don't want debt consolidation, etc.
2006-07-06 00:27:40 · 5 answers · asked by sandie_rule 2 in Business & Finance ➔ Credit
I was in a similar position in the past. I found Lombard extremely helpful. One thing to watch however is that there are plenty of companies who are willing to lend you the money but their APR is often horrendous. Lombard have a variable APR and as part of RBS is a reputable financial institution. Good luck!
2006-07-06 02:02:39 · answer #1 · answered by SAM L 1 · 2⤊ 1⤋
If you go to your bank and discuss with them your problem they will be able to give you advice on a loan to consolidate the whole lot and then you can look at the interest rate and shop around other banks and building societies before you agree to anything. The only problem you may have is getting a loan with someone else that you dont already have a loan with as you have a CCJ against you but failing that go visit the citizens advice bureau, they wll give you the best advice
2006-07-06 07:33:26 · answer #2 · answered by Anonymous · 0⤊ 0⤋
what i do is get a new 0% credit card (might take a few months of payments to get your limit high enough if your credit is not good) but then i just do balance transfers from all the other places i owe money to and i don't have to pay interest on any of them this way.
2006-07-06 08:27:43 · answer #3 · answered by madison018 6 · 0⤊ 0⤋
try alliance and leicester they will probably give you a loan just typ in the name and go to their official page
2006-07-06 07:32:54 · answer #4 · answered by pig m 3 · 0⤊ 0⤋
the best place I can recommend is http://www.wesayes.com
they have lists of banks and lenders who specialize in these types of situations
2006-07-06 08:07:26 · answer #5 · answered by Anonymous · 1⤊ 0⤋