one thing i found with this company is they always keep ringing you, and quote" would you be intrested in any more" or espec at december even though you tell them not to call you they always do ": well you can pay now if you like i no christmas is comming" sick to the back teeth and its either racheal or the male there. so you have been warned..................

I needed a loan initially of £5k to clear my two credit cards and two catalogues as all i was doing was making the minimum payment each month which covered just about the interest and nothing else.

I have bad credit rating due to having my debts six years ago debt consolidatd. Even though these have now been paid it still leaves a bad credit rating on my account.

I tried applying for a loan with the normal banks etc but no one would accept me.

I thought I would try everyday loans as there was no up front admin fee. They asked me to fax over my last 3 months of bank statements and payslips and once I did this they phoned me up a couple of hour later to say that my loan application had been approved.

They asked me to come in for a meeting to finalise the application, I did ask whether it could be done through the post as I worked full time but they said that they could only finalise the application by having a meeting. They was helpful and said that I could come in the evening after work so I arrange to have a meeting at the Ilford branch.

However, prior to this meeting I realise that I had under estimated my debts and that I actually needed a loan for 6K!

The guy I saw was really chirpy and easygoing and as soon as I saw him I had mentioned that really I needed a loan for £6k not £5. He said no problem as my application had been approved for £6.5k.

He went though on his computer what debts I wanted to pay and the remainder of £300 he asked whether I wanted this debt paid directly into my bank account. They were going to pay my credit cards and catalogs directly to them.

I have taken the loan over 3 1/2 years at £251.23. This works out to a 70% interst rate. I know its really high and I did expect it as I had read reviews on this company. But this was the only company who accepted my application straight away.

My debts were paid and I have now started paying my loan repaymnets.

I would recommended this company if you are really desperate and dont mind paying a high interst rate.