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It's extremly unlikely in the current environment that any bank will give an unsecured loan of this amount for debt consolidation and to pay day to day bills (regardless of whether or not you think car insurance on your salary is a day to day expense, as far as the bank is concerned, it probably is).
However why is your insurance so high, what are you driving and are you on a provisional or full licence? Worth shopping around to see can you get it cheaper.
Have you reviewed your tax affairs to see if you are getting all of the tax credits you can possibly claim?
While I accept your point i wouldnt call insuring a car a day to day motor expense when your net income every month is €1500
yes suggesting a fraudulent loan application is great advice, well done!
exactly the kind of thinking that got the country where it is today, course i'll be renting the other 3 rooms outand i've saved all this money myself that mysteriously appeared in my account in time to put down a deposit on a house
genius!
yeah, and I don't think you can lodge 1,000 into the credit union this morning and get a loan of 7K in the afternoon...
well I think the credit union was mad to give a loan like that.. do they not have a duty of care to the other depositors?
I thought that you had to have a history of payments before applying for a loan.. you cannot build up a history of payment within a week.. so basically the credit union took a big chance, or a gamble.. lucky for them it paid off in your case but what if it hadn't, would the other depositors be right to be peeved at those lending practices?
Have you met with the branch manager of your local bank to explain your case? Bring a plan with you about how you intend to meet living costs and make repayments.
If they say no then you should take your business to another bank.
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