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If you apply for a PD loan and then decided to cancel cos a family member will help you instead...can you withdraw without interest? and what effect will it have on the credit files? will a credit account appear on the CRA's?


I stupidly applied for a small pd loan from lending stream but 2 hours later my mum helped me out and sent me the money so i emailed them telling them im withdrawing, and have repaid the original loan amount and thats it, as it stated in their T+c's that they waiver the interest if withdrawal is exercised and repaid with one business working day?


i been trying hard with cra's... i have just a 2/3 searches which will drop off by xmas ( minus this pd loan search) and a default to drop off early January.



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