Busy trying to sell everything but just a quick message re your post making a Heron out of Driftwood in the garden, Henry WIT WOOOOOOOO TAWNYOWL when I get back on my feet, ( don't know how long that will be,) but would love to commission you for a little mouse and a big lion made out of Driftwood to constantly remind me of when I needed strength. Re: Basic Income Guarantee - Hope it is in my lifetime when us human lunatics take over the poverty trap asylum

How funny!!!!!! Very interesting and thought provoking. Comical as well. How long ago was it thought that if you went to the end of the world, you could fall off? How funny. How long ago was it that people thought it would be impossible that you could order everything you need right from your very own armchair? How funny. How long ago was it that people thought it would be impossible to have virtual friends and relationships? How funny. In the future people will ask "How long ago was it that people had Jobs, before full automation and robots? " How funny!!!!!!!!. A Basic Income would be a godsend to me at the moment. Not so funny

Hi havinastella Your right already a shortfall of £200 already and I already in serious trouble. I have decided not to take the loan. as per post below tawnyowl your post 4- When you get in difficulty paying the loan back,seek help then. It seems your mind is made up really so whatever your decision I wish you well. Has made me stop. As you say When and not If I am going to try and sell everything I possibly can at the weekend. I also renovate and upholster Victorian and Edwardian Wooden Framed Furniture and I have got quite a bit of stock I have previously bought waiting to be completed. Which has been put on hold for obvious reasons as well as I now find it difficult to take the weight when moving it. But, I will just have to bite the bullet and get it done as quickly as possible

Thank you all for your replies. I am so stressed, the loan agreement has been credit checked and is ready for me to sign which I was going to do this evening, I really need to repay that 5k debt as imminent urgency http://www.consumeractiongroup.co.uk/forum/member.php?107299-tawnyowl your post 4- When you get in difficulty paying the loan back,seek help then. It seems your mind is made up really so whatever your decision I wish you well. Has made me stop. As you say When and not If [/u] (I know deep down I will only get myself deeper into problems. ) There are other personal and ill health problems going on at the moment as well, I recently had a heart attack and had 3 Stents in, just back from Cardio Rehab this afternoon. I am so sooooo stressed. I have got to pay the 5K debt as a grave matter of urgency. I am going to try and sell everything I possibly can at the weekend. I also renovate and upholster Victorian and Edwardian Wooden Framed Furniture and I have got quite a bit of stock I have previously bought waiting to be completed. Which has been put on hold for obvious reasons as well as I now find it difficult to take the weight when moving it. But, I will just have to bite the bullet and get it done as quickly as possible. I know it wont be easy, as I am also trying to look for a full time job and my elderly Mother takes a lot of my time. (Just need a 8 day week and a 25 Hour clock)

The 5k debt I have is to a family member that was given in good faith over the course of my sisters illness. This debt needs without question needs to be paid back immediately as they are not in good health or in a financial position for it not to be paid immediately. It is imperative I make immediate payment back. I never expected things to turn out how they have - but I urgently need 5k loan and know I wont be accepted from mainstream lender,

Thank you havinastella, Conniff, Ell-enn and tawnyowl, but I cannot t see any other way out at the moment other than to go for 5k loan with 1st Step, unless you know any different, your input would be greatly appreciated,

I only work part tine at the moment and am now in the process of seeking full time work. My problem at the moment is I have another debt of 5K which must be paid immediately, without question. I know I will get a full time job but in the meantime I desperately need to get a loan for 5k.

My partner left me the day after my sisters funeral in March ( Mortgage solely in my name) he contributed £760 pm when he was here. I now have an income of £1,050 pm. My outgoing are £1,250pm. (I know no brainer) I can afford to pay GE £300 end of June and £100 end of July.

I have a mortgage with GE ( I know big mistake) I missed 3 payments 2 years ago (my sister was diagnosed with cancer - and eventually transferred to another hospital in a different part of the country from her and my home area so lots of expense -and believe me it was barbaric - she ended up on clinical trials - she died in March ) GE were swift to take me to court then for repossession in January 2014 - I owed just over £1,800 - I agreed in court to pay it off within a year, which I did and that agreement finished in January 2015. I missed a payment at Christmas of £603, and they hounded and hounded me and I simply couldn't pay it. They told me the agreement I had in court for repossession even though I paid it all off, that if I defaulted again for whatever amount they could go for repossession with no further need to go to court . I agreed in April I would pay £100 end of May which I did, and I would pay £300 end of June and £100 end of July. ( I also have received a letter from them giving me 2 days notice that GE has now transferred me to Kensington ( Which I fear as another sub prime lender there is danger ahead) and more - hope it makes sense - at the same time in January 2014 I had a Lloyds TSB Credit Card and Loan - CAB negotiated a plan with them and I pay £25 on the credit card and £50 on the loan - I reclaimed PPI on the credit card, and then they transferred my accounts to their collections Robinson Way, and they constantly hound me to renegotiate with them to increase payment or pay it off. ( I should never have been given the Loan in the first place as when I went into branch, the person dealing with it put my partners contribution to me as my Salary and actually told me I wouldn't get it other wise. More to follow -

I will try and be as brief as possible whilst giving all relevant info on problems. (and try to keep emotion out of it - and also I am so ashamed) There is so many parts to it

I am in such a mess I don't know where to start, but I do desperately need a loan of 5k in the interim period while i sort myself out and i wont be accepted with bad credit from mainstream lender,

and this from email agreement 3.Costs of the credit Interest is charge for the term of the loan at the Fixed flat rate of 15.24 % per annum. Arrangement Fee. An arrangement fee of 0.0% of the amount of credit advanced is also payable by you if you applied for your loan via a third party credit brokers website or were otherwise introduced to us via an intermediary. This fee will be added to your loan account and interest will be applied to it. Any other costs deriving from the credit agreement. You must also pay our reasonable fees and charges to cover our administration costs arising out of any request you make for a copy of any document (unless we are not legally entitled to charge you such amounts). Costs in the case of late payments. Consequences of missing payments. Missing payments could have severe consequences, including legal proceedings, which may incur additional costs default charges). In addition, missing payments may make obtaining credit more difficult and/or expensive if we report your default to one or more credit reference agencies. If you default, our charges are as follows: 1. £12 on each occasion the amount falls into arrears by virtue of a returned or missed payment; 2. Reasonable expenses and costs that we may incur in tracing you if you move address without first notifying us; 3. Any reasonable expenses and costs we may incur in taking other steps to enforce our rights against you under the credit agreement; 4. We will not charge default interest on late payments. You have the right, to withdraw from the credit agreement before the end of 14 days beginning with the day after the day on which the agreement is made, or if information is provided to you after the agreement is made, or the day on which you receive a copy of the executed agreement under sections 61 A or 63 of the Consumer Credit Act 1974 (“the Act ”) or the day on which you receive the information required in section 61A(3) of that Act. Notice of your intention to withdraw from the agreement may be given to our administrators by telephoning them on 01253 603965 or by e mailing them or by writing to them at 1st Stop Personal Loans, Unit 10 Whitehills Business Park, Blackpool, FY4 5W. if you withdraw you must return any monies paid to you within 30 days (beginning the day after notice is given) of exercising your right of withdrawal and pay interest accrued from the date you are given the money to the date you repay us at the daily interest rate shown in your agreement. Right of withdrawal 4. Other important legal aspects You have the right, upon your request, to obtain a copy of the draft Loan Agreement free of charge, unless we are unwilling at the time of your request to proceed to the conclusion of the Loan Agreement. Right to a draft credit agreement. If we decide not to proceed with this agreement on the basis of information from a credit reference agency we must, when informing you of the decision, inform you that it has been reached on the basis of information from a credit reference agency and give you the particulars of that agency. Consultation with a Credit Reference Agency. You have the right to repay the credit early at any time in full or partially. Early repayment. 5. Additional information in the case of distance marketing of financial services (b) concerning the credit agreement The law applicable to the credit agreement and/or the competent court. © Dispute Resolution Access to out-of-court complaint and redress mechanism. The law taken by the creditor as a basis for the establishment of relations with you before the conclusion of the credit contract. The Law of England and Wales (or Scotland if you reside there) will be taken as a basis for the establishment of relations between us before the conclusion of the Loan Agreement. The Loan Agreement shall be construed according to the laws of England and Wales (or Scotland if you reside there) whose courts shall have exclusive jurisdiction over any claim or matter arising under or in connection with the Loan Agreement. Language to be used in connection with your agreement. The contractual terms and conditions, and the prior information, are in English. We will communicate with you in English for the duration of the Loan Agreement. You have the right to complain to the Financial Ombudsman Scheme in respect of the Loan Agreement or any dealings with us as Creditor. You can find out more about The Financial Ombudsman Service in a leaflet available by contacting us. Alternatively you can write to: Financial Ombudsman Service, Exchange Tower, London, E14 9SR or telephone 0300 123 9123.

This Is part of agreement I have had in email from them, 1. Contact Details PRE-CONTRACT CREDIT INFORMATION (Standard European Consumer Credit Information) Clarendon House, Victoria Street, Douglas, IM1 2LN Conister Bank Limited 01253 603965 2. Key features of the credit product We will provide you with the Total Amount of Credit following execution of the Loan Agreement by deposit in an account specified by you. Fixed sum personal loan regulated by the Consumer Credit Act 1974 repaying over 60 instalments. The type of credit. Repayments. The duration of the credit agreement. 60 monthly instalments. You will pay 59 monthly instalments of £146.84 and a final instalment of £146.84. £5,000.00 The total amount you will have to pay This means the amount you have borrowed plus interest and other costs. The Total Amount Payable £8,810.40 being the sum of the Total Amount of Credt of 5,000.00 and the Total Charge for Credit of £3,810.40 (comprising interest of £3,810.40 and an arrangement fee of £0.00.

Hi, mine is a very long story, I need to read up all about CAG so I know where I need to post (the short version - promise LOL) but in the meantime I desperately need a loan, and have bad credit, and 1st stop has just provisionally approved a 5K loan. I have no option but to take it and just hoping they are ok (foolish I know regarding any financial in stitution - but I am out of options)

Hi everyone. I am a newbie to CAG. So I need to read through everything first before I know where to post, but in the meantime, can someone tell me if 1st Stop is a legitimate Loan Company?