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Loan options with mark on ICB report

Wierdfish · 2015-09-02 14:44:21

Hi Bit of background first. I'm with Ulster Bank for over 20 years, and paid off 7 loans without issue. About 4 years ago I had some issues with a Tesco credit card - in short, I still owe €4000 on it. its with a debt collection agency now. I just got my credit report from the ICB - the outstanding credit card is on it. No…

02-09-2015 3:44pm

#1

Wierdfish

Registered Users Posts: 3 ✭

Join Date: June 2012

Posts: 1

Hi
Bit of background first. I'm with Ulster Bank for over 20 years, and paid off 7 loans without issue. About 4 years ago I had some issues with a Tesco credit card - in short, I still owe €4000 on it. its with a debt collection agency now.
I just got my credit report from the ICB - the outstanding credit card is on it. No other issues. I have a mortgage, no loan for anything else. My car loan was paid off 2 years ago.

I'm looking for a loan of €2000 to fix a roof problem on my house. I'm in full time employment, but it will take me a few months to save that much. And the weather hasn't been the best, I need to get this resolved soon.
So, if I go to the bank, I will likely get refused because of the credit card on the ICB report. What other options do I have?
Provident will give me a loan of up to €500, with very high interest, and its not enough anyway. On their site, it does mention that people with bad credit can get a secured loan against a car or house, but it doesn't say who to get one from!

Is there really such a thing as a secured loan?
Are there lenders that will loan to someone with a credit history problem?
Thanks
Simon

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