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    • In terms of "why didn't I make a claim" - well, that has to be understood in the context of the long-standing legal battle and all its permuations with the shark. In essence there was a repo and probable fire sale of the leasehold property - which would have led to me initiating the complaint/ claim v SPF in summer 19. But there was no quick sale. And battle commenced and it ain't done yet 5y later. A potential sale morphed into trying to do a debt deal and then into a full blown battle heading to trial - based on the shark deliberately racking up costs just so the ceo can keep the property for himself.  Along the way they have launched claims in 4 different counties -v- me - trying to get a backdoor B. (Haven't yet succeeded) Simultaneously I got dragged into a contentious forfeiture claim and then into a lease extension debacle - both of which lasted 3y. (I have an association with the freeholders and handled all that legal stuff too) I had some (friend paid for) legal support to begin with.  But mostly I have handled every thing alone.  The sheer weight of all the different cases has been pretty overwhelming. And tedious.  I'm battling an aggressive financial shark that has investors giving them 00s of millions. They've employed teams of expensive lawyers and barristers. And also got juniors doing the boring menial tasks. And, of course, in text book style they've delayed issues on purpose and then sent 000's of docs to read at the 11th hour. Which I not only boringly did read,  but also simultaneously filed for ease of reference later - which has come in very handy in speeding up collating legal bundles and being able to find evidence quickly.  It's also how I found out the damning stuff I could use -v- them.  Bottom line - I haven't really had a moment to breath for 5y. I've had to write a statement recently. And asked a clinic for advice. One of the volunteers asked how I got into this situation.  Which prompted me to say it all started when I got bad advice from a broker. Which kick-started me in to thinking I really should look into making some kind of formal complaint -v- the broker.  Which is where I am now.  Extenuating circumstances as to why I'm complaining so late.  But hopefully still in time ??  
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      The judge's reasoning is very useful and will certainly be helpful in any other cases relating to third-party rights where the customer has contracted with the courier company by using a broker.
      This is generally speaking the problem with using PackLink who are domiciled in Spain and very conveniently out of reach of the British justice system.

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      OT APPROVED, 365MC637, FAROOQ, EVRi, 12.07.23 (BRENT) - J v4.pdf
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Unsecured Loans - Bad Credit, anyone know a genuine lender?


MrC333
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Hey folks,

 

Right, I'll try and keep this a bit brief. My rating is a bit shot thanks to some youthful indiscretions and I really wanna get myself back on an even keel.

 

I am currently having issues with some payday lenders, but thanks to the advice on here, it's well in hand. However, that doesn't stop me wanting to really put things right again and just in one place.

 

Basically, I'm looking for bad credit unsecured/tenant lenders for £3000 over 3 years, hopefully averaging out at £125-150 a month in repayments, well within my scope of finance, even if I ended up jobless.

 

My debts aren't quite as high as £3k but I want some left over so I can move in with my partner and with only one debt, with a very affordable repayment.

 

I'm in full-time employment and only been there 3 months though, but they have just sorted my contract and I'm earning about £1k take home right now. I have other plans for earning more, but neither here nor there atm.

 

Anyways, I wasn't sure where to post this as I didn't see an unsecured loans board, so feel free to move this.

 

Any help would be grandly appreciated.

 

Thanks

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Personally, I think it would be a bad decision to go for new credit if you're already handling payments back to payday lenders. First sort them out and then decide what to do.

 

Also, even bad credit lenders would not look positively on someone being with an employer less than 12 months.

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I understand that, but paying off charges etc that payday lenders charge is much tougher than taking one big loan and setting them all at once.

Plus I have designs for the rest of the loan that I would be taking. It's just much safer than continually incurring charges/defaults/rollovers to sort things out.

 

To reiterate, does anyone know any dependable unsecured loan companies for people with poor/fair credit?

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  • 2 weeks later...

Hi,

I would imagine the best way to get quotes would be on google or such like but I note you stated unsecured and wanted to advise you of this....

 

You should be aware that their no such thing as an unsecured loan, they are in fact easily secured on your property providing the CCA is enforceable. If you have equity in your property any creditor will have this loan secured on your property in a matter of months. I have personal experience of this and took out an 'unsecured loan' for new windows. to cut along story short my employment changed and I could not meet the repayments. Within 5 months they had a CCJ and subsequently secured the loan via a charging order. To sum up we had to sell the house.

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You Want My Advice

 

Dont Bother

 

I Fell Into This Trap And Ended Up With Welcome

 

They Are All Out To Screw You

 

Good Luck And The Only Advice I Will Give Is

 

If They Ask For An Application Fee Is Run A Mile But Saving Is Best

 

Credit

 

Who Needs It

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  • 1 year later...

i dont think the charging order point would be anything to worry about, i think the OP is a tenant.

Good place to start looking would be moneyline, if your a council tenant or credit union, but you wont get 3k to start with

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