Getting a loan with poor credit

[Neon1]

Not sure if this is the correct place to ask.

im wanting to take a loan mainly to pay off an overdraft, is there any chance of getting a loan with a bad credit history (2 credit cards, still not paid off but paying an agreed amount for at least 3 years) have since paid a loan off and have another credit card that was taken out about 2 years ago but balance cleared each month. Our bank NatWest won’t lend so I’m wondering if there are any lenders that will, any ideas please.

[echat11]

This really isn't a financial advice site, but providing criteria is met, then you should be able to. You could try Credit Unions. But what you can do straight away is ask Nat West to freeze interest and charges. You can ask for a period of time to seek help and advice.

https://nationaldebtline.org/sample-letters/

[des8]

Have you considered making a complaint about irresponsible lending to all or any of the credit providers?

[Neon1]

Thankyou for the replies, I will look at credit unions, it’s not something I knew about, also NatWest are the most unhelpful bank when trying to approach them but it’s worth a try.

this may sound silly but I didn’t even know you could make a complaint about irresponsible lending.

[echat11]

Thankyou for the replies, I will look at credit unions, it’s not something I knew about, also NatWest are the most unhelpful bank when trying to approach them but it’s worth a try.

this may sound silly but I didn’t even know you could make a complaint about irresponsible lending.

The following link will help you, send letters, get Proof of Postage, quote the FCA, read the following, remember they have to help you, the FCA says so -

https://www.handbook.fca.org.uk/handbook/CONC/7/3.html