Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
My credit file is far from perfect,i do have some defaults, which i am in the process of trying to get removed. I have been with A&L for couple of years now, my wages go in and i havent been overdrawn, so my banking history with them is good. My money situation is now ten fold better than it was.
I need a loan for a new car though, mine is on its last wheels
Would A&L look at my history with them more on loan applications? Or is it all down to credit scores? Would going into the bank give me a greater chance of getting one? I haven't applied for one yet, because i think i will be turned down on my credit score.
If i apply and get refused how would that effect my credit score?
If i could, i would wait til all my claims have been settled, but my car has got to the age where things stop working and start to fall off
*Edit* Which credit reference agency do A&L tend to use?
Details of my A & L account are recorded with all three, so they probably use them all.
I think the only realistic way to get an answer to your questions is to apply and see what happens. I would think that going in to the branch may be better than phone or internet, because you're speaking to a real person who will probably get commission on your loan, so they have more of an interest in getting it through.
RMW
I am not an expert in law, finance or any related field, I just read a lot. Any advice is based solely on what I've read so please don't take it as gospel without checking it out yourself.
I prefer not to give advice by PM. If you want me to look at something, send me a link to your thread, and if I can help I'll reply on there.
Need a Loan.
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