K
kiara
Guest
Can someone tell me what the procedure with a moneylender is? I have found the names of a few on the financial regulators website.
Can I just call to the office? Do I need to make an appointment? How quickly will they give someone money?
I need €300, maybe slightly less pretty urgently to renew car insurance. I can repay it in around 2-3 weeks. Is this possible? I don't need to pay €5 a week over 26 weeks as advertised by Provident.
I don't want friends/family to know how short of cash I am so won't ask for help.
I have never considered this moneylender option before as I previously had no problem borrowing from the bank. I only have accounts in one bank (Bank of Ireland). They have refused to do anything to help me even temporarily and I can't open a new account somewhere else and apply for a loan on the same day.
In January I restructured a loan to consolidate debt. This loan is for €4000 and I have never missed a payment ever on any loan. (I've had a few over the years) I no longer have an overdraft or laser card. I have a credit card with a limit of only €250. I have an excellent credit rating and I own my home with no mortgage. I do contract work and was unemployed at the time I restructured the loan. Bank of Ireland attached a condition to the restructure that I could not have any further borrowing for 18 months. I wasn't impressed with this but had no plans to borrow again so went along with it.
This month I paid some college fees which I couldn't really afford but I hoped the money would come from somewhere but it hasn't so now I'm stuck for the money for car expenses. This has been my most expensive month in years.
I applied to MNBA for a credit card which I think they will approve and this would suit me better than the moneylender option but I'm not sure it'll arrive fast enough. I had to request an up to date bank statement which delayed the application.
I'm working only part-time and studying for a different job, hence the college fees. I'm really good at living on a tight budget normally, but this month there are too many bills.
I'm also looking for a new bank. Recommendations welcome, my loyalty to Bank of Ireland is over. I'm thinking of property developers who owe millions and yet they are letting a loyal long time customer go search for a moneylender over €300.
Thanks do much if anyone can advise because I'm really stressed over what are relatively tiny amounts of money.
Can I just call to the office? Do I need to make an appointment? How quickly will they give someone money?
I need €300, maybe slightly less pretty urgently to renew car insurance. I can repay it in around 2-3 weeks. Is this possible? I don't need to pay €5 a week over 26 weeks as advertised by Provident.
I don't want friends/family to know how short of cash I am so won't ask for help.
I have never considered this moneylender option before as I previously had no problem borrowing from the bank. I only have accounts in one bank (Bank of Ireland). They have refused to do anything to help me even temporarily and I can't open a new account somewhere else and apply for a loan on the same day.
In January I restructured a loan to consolidate debt. This loan is for €4000 and I have never missed a payment ever on any loan. (I've had a few over the years) I no longer have an overdraft or laser card. I have a credit card with a limit of only €250. I have an excellent credit rating and I own my home with no mortgage. I do contract work and was unemployed at the time I restructured the loan. Bank of Ireland attached a condition to the restructure that I could not have any further borrowing for 18 months. I wasn't impressed with this but had no plans to borrow again so went along with it.
This month I paid some college fees which I couldn't really afford but I hoped the money would come from somewhere but it hasn't so now I'm stuck for the money for car expenses. This has been my most expensive month in years.
I applied to MNBA for a credit card which I think they will approve and this would suit me better than the moneylender option but I'm not sure it'll arrive fast enough. I had to request an up to date bank statement which delayed the application.
I'm working only part-time and studying for a different job, hence the college fees. I'm really good at living on a tight budget normally, but this month there are too many bills.
I'm also looking for a new bank. Recommendations welcome, my loyalty to Bank of Ireland is over. I'm thinking of property developers who owe millions and yet they are letting a loyal long time customer go search for a moneylender over €300.
Thanks do much if anyone can advise because I'm really stressed over what are relatively tiny amounts of money.