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Give us an estimate of your income, outgoings and debts and maybe we can offer some short-term solutions to help ease your situation.mtcrowley said:Hi all this is the first time I used this so please forgeive me if I screw it up.
I`m 30 going on 31 living with my long term girlfriend and our two kids in a city council house. My problem is that I have mounting debts and I finding it harder nad harder to meet the monthly payments. I went to my local credit union to see if I could get a loan of 25000.00 last week but they turned me down. I`m need to find some way that I can consoladate all my loans in to one managable loan that I can pay off each month I would be able to manage to pay between 500-650 a month.
Can any of you point me in the right direction so I can get my life back on track, it`s really getting me down I need to get these loans under control.
I was thinking of try to get a loan from some bank or something but firstly I don`t know whih be the best bank to go with and is that the right thing to do.
If any of you can help please get back to me.
Thanks for taking the time to read this
mtcrowley said:1 Yearly income of €37,000.00
2 monthly take home €2684.18
3 currently hold 96 J&J shares price not so good, waiting for them to go up.
4 Have an SSIA account due to finish June 2007 exp value €7700.00.
that was the good news , now the bad news......
1 Credit card Ulster €6,000.00, currenly can only pay 200.00 a month
2 Credit card MBNA €4,900.00 due, can only pay 200.00 a month
3 Bank Loan Ulster Bank €7,000.00 due, pay 160.85 a month
4 MBNA Loan €8,000.00 due, pay 295.19 a month
5 I give €550.00 to my partner for the house rent, house bills, kids nad so on.
mtcrowley said:I went to the credit union for €25,000 but they turned me down. I have just shy of 3000 on my credit union account, they offered me 6000 to pay off one of the credit cards, not what I was hoping for but it is something.
mtcrowley said:i know you are all saying to go to MABS but beleive me I have learnt my lession when it comes to credit cards and over spending. I want to get a loan over 5 years that will clear off the outstanding and give me one managable loan repayment.
mtcrowley said:To be honest I so want to get married to my partner, we`ve been with each other for 13 years now.`We not looking for a big wedding, in fact we would love to just be able to afford the ring and go away with the kids and get married abroad.
mtcrowley said:AIB have offered me a loand of 25K over 5 years with a monthly payment of 495.00, that would clear all of the above and give me a chance to get some savings built up.
What do you think am I mad or what ???????
mtcrowley said:one direct just quoted me 419.21 over 5 years for 25K, but the APR is varable....not sure about that one !!!!
mtcrowley said:one direct just quoted me 419.21 over 5 years for 25K, but the APR is varable....not sure about that one !!!!
PLEASE NOTE: A sliding scale of rates from 8.65% to 16.85% applies depending on the individual applicant status. This is a variable rate loan and the rates are subject to change.
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