PlasticJock 539 Posted July 20, 2011 Report Share Posted July 20, 2011 I have 1 default on my credit file from 3 years ago for a couple of hundred quid (which has now been settled), and even though everything alse is excellent I can't get a loan anywhere. Unless I choose to pay 62% interest! It seems that if you have had trouble before then the answer is to get in more debt that is probably unmanageable, rather than have a decent interest rate with a manageable amount. Snapped, I need a new car but it looks like I'll have to get a new set of boots first! Quote Link to post Share on other sites
scalesntails 118 Posted July 20, 2011 Report Share Posted July 20, 2011 Have you tried with your bank? Some banks don't even do an external credit check. I know Lloyds TSB don't or at least never used to. They base it on your conduct with the bank. Failing that you might be able to raise enough through selling your crap at car boots etc to get a car with 12 months tax/mot on ebay. I got a diesel vectra on ebay for £300 with 12months tax/mot and it went straight through the next 2 mots. Didn't look pretty but was a damn reliable car. Only got rid of it because the windscreen cracked and it was cheaper to buy another cheap car off ebay. Got £120 back scrap value so didn't do too bad overall. Quote Link to post Share on other sites
PlasticJock 539 Posted July 20, 2011 Author Report Share Posted July 20, 2011 Ive asked for more than I need so I can pay a years insurance and do repairs/services etc, but the other thing is when someone does a credit check and declines you that's yet another bad mark so I might have to look into ones that don't do a check cheers for the advice mate. Quote Link to post Share on other sites
Joe67 239 Posted July 20, 2011 Report Share Posted July 20, 2011 have a look over http://www.capitalcreditunion.com/ probaly wont find anything better Quote Link to post Share on other sites
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