Personal Loan enquiry with bad credit - any advice

gamcare laddie 4 u

I'm afraid inteltrade you will struggle as the banks dont want to lend money , not even to small low risk firms. Unless ur credit rating is squeaky clean you will be charged very high interest if you find someone to allow you to consolidate.  best of luck anyway m8.

Wrong forum for this topic and not much traffic on here.

Post it on Chit Chat, where there is a good cross mix of characters, but be prepared
for a bit of p1ss taking which is usually just in fun!

Well for starters, don't let them know you went to the Betfair forum for advice.

Get an Experian report to see how good youre credit rating is

HAVE YOU NOTICED YOU NEED ANOTHER LOAN ,SORT YOURSELF OUT THEN YOU WONT HAVE TOWORRY ABOUT LOANS ,

how much do you need?

Try a credit union, reasonable interest rates on loans and more of a community banking service

Ask Carol Vorderman..........she used to gain money by fronting a publicity campaign by a firm who used to fleece people on their knees by offering them more debt.

Try talking to a financial advisor or debt management consultant, you can get a free one from citizens advice bureau , well worth a visit.

If you ask Feck nicely, he might oblige you......with a decent interest rate and a good beating if you miss a payment. Miss two payments on the bounce and it will be the HH for you.....

Depends if you have security (ie equity in a home that you own).
Go to a broker (yes, I am one)- if you have equity you will be fine.
If you are a non-homeowner, it will be a bit more difficult, but there are still possibilities.

Before applying for anything, check the broker has a consumer credit licence (details should be an their website), also that they have a data protection registration (otherwise you will have your details spammed all over the place and will be called / texted / emailed constantly), and above all do not use a broker that wants an upfront fee.

Even if they say they don't charge an up-front fee, NEVER give them your debit/credit card number - there is no reason for them to need it. Brokers who charge a fee do not have access to special loan products, whatever they might tell you.

Hope that helps.

On second thoughts, don't ask Feck. Especially when he see's the end of your username.