Hi,
I am 22 years of age and i have just purchase a home on my own.
Unfourtunetly when i was 18 i started on a slipper slope of the 'oh look everyone wants to give me money' because of this i have found myself in debt with a marking on my credit rating.
I am as i said now a home owner, i have a very good job with good income.
I am looking to try and get a loan to consolidat my debit which stands at €10,000 but they only place i have found that will give a loan to someone with bad credit is MoneyPenny but that involves remorgaing my home which is not an option.
I do understand that going to these lenders would be last thing but i have thought about it, i am currently paying out €1665 on debits a month, which inc. provodent & tower finance and this does not inc. my morgagte i only come out with €1800 a month. I have rented out 2 rooms in the house for additional income, but payments are lapsing and doubling up and sleepless nights are a regulare!
I am aware that in the uk there are lending companies for people with bad credit but does anyone know if there are simuler companies over here?
As i have said above i am in a good job and to take an apllication id probably look perfect until the silly mistakes i made a few years ago come back to haunt me and i am refused for loans! I could really do with some help on this subject. Im even on the verge of giving Eddie hobbs a call lol
I am 22 years of age and i have just purchase a home on my own.
Unfourtunetly when i was 18 i started on a slipper slope of the 'oh look everyone wants to give me money' because of this i have found myself in debt with a marking on my credit rating.
I am as i said now a home owner, i have a very good job with good income.
I am looking to try and get a loan to consolidat my debit which stands at €10,000 but they only place i have found that will give a loan to someone with bad credit is MoneyPenny but that involves remorgaing my home which is not an option.
I do understand that going to these lenders would be last thing but i have thought about it, i am currently paying out €1665 on debits a month, which inc. provodent & tower finance and this does not inc. my morgagte i only come out with €1800 a month. I have rented out 2 rooms in the house for additional income, but payments are lapsing and doubling up and sleepless nights are a regulare!
I am aware that in the uk there are lending companies for people with bad credit but does anyone know if there are simuler companies over here?
As i have said above i am in a good job and to take an apllication id probably look perfect until the silly mistakes i made a few years ago come back to haunt me and i am refused for loans! I could really do with some help on this subject. Im even on the verge of giving Eddie hobbs a call lol