Obtaining a loan-fight [financial adviser] [mortgage ... - payday loan

Question: Hi, wandered if anybody could help.
I i'm currently trying to obtain a loan, my consumer credit rating isnt brilliant due to the fact that concerning recently(within 6 months) evolved my house loan provider, and my financial agent sent pertaining to 10 uses out at the same time which insert a a couple of foot marks on record. I in addition have afew late payments on the file resulting from me transferring banks (from the actual halifax Grrr, money grabbers! ).

I have applied to quite afew companies over the past month, and also brokers stuck there sinuses in, one saying they had definatley sorted finance out for me, but then sought after a payment of ?49. 99 to cover thier rates, paid it all, wrong step, they managed nothing A LOAN PEOPLE. stay straightforward!
Im trying to obtain a loan between ?5000, to very clear 2 store cards and have some more money for yuletide.
There seems to be no-one these days who helps me get hold of this, i have no CCJ' s or adverse credit, not great credit but not good either.
Welcome said they could help, be at 55% apr. erm find it difficult to stretch to that.
I wont want visit secured either, to uncertain, plus need cash previous to christmas plus secured seemes to be a lengthy practice

Any directions to try?

Thanks

NealeReply: hmm, I' m not sure how long it might take to possibly be honest. My dad took finance out to buy his watercraft, and they said anchored or uncemented, would have taken the same amount of time (Lloyds TSB WHEN I think) At any rate it took a lot less than a workweek. Hope you get sorted!

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Reply: hi thanks for the reply.

I really dont like the idea of having a lending product secured alongside my place.
My mortgage is always paid in timely manner and i have never overlooked a monthly payment, im never saying i would with a loan, however having something more productive resting for my home is not an avenue i want to persue. Sounds horrible!
Another thing is the time frame whereby it would certainly take.
Im looking for something the following side of christmas, secured would take many longer to arrange anyway, wouldnt get it in time frame i dont think.

Thanks

Neale

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Reply: The more applications you make, the worse you will make the case. Best to wait a when (as around months according to the credit personal reference agency' s! )

I' m not sure what you mean by a secured bank loan being overly risky? Does that mean that people aren' t sure you can make the expenses and don' t want to lose your household. Secured loan would be a lower APR INTEREST RATES too.

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