Banks, building societies and mainstream lenders no longer lend to people with CCJs. Even if they are settled, it is highly unlikely, in this day and age, that they will offer funding for anyone with a less than perfect credit history. We work differently. We are an independent group or privately funded lenders working specifically with people that have got one or several county court judgements against their name. We lend solely against the equity built up in the property or properties being used as security, so are able to a unique form of credit called CCJ bridging loans.
Key facts when using us to consider is that we DO NOT have any up front administration or 'set up' fees. We also have no 'lock-in' fees, which every other crowdsourced or crowdfunded lending group does. This automatically saves you two thousand pounds as that is what they charge. So get in touch today for a fast decision on a short term secured bridging finance package even if you have one or multiple CCJs. Call 08454751814 or 02032877169 today without obligation.
4 easy steps for quickly accessing secured borrowing options.
Get in touch with us several ways.
There are a plethora of ways to actually get in touch to find out more about our private, independent lending service. You can call us by telephone, send us an email, enquire online or shout really loudly.
We will value your home to determine loan.
When we arrive we will conduct a private, external survey of the building. After completion we need access to the inside so that we can proceed with the internal survey and general viewing.
Get an offer of finance almost immediately.
From the valuation and the information you give us about any outstanding mortgage or other loans secured on the property, we can ascertain just how much, or if we are able to lend to you.
Accept & we transfer funds instantly.
As long as all paperwork is present and correct, we can transfer funds to your personal, business or any nominated bank account instantly. We can also work to a specific date if required.
Or call: 0845 475 1814
County court judgements not a problem.
Why do you get a CCJ?
None payment of bills or credit agreements. It's that simple. If you have defaulted on any type of credit agreement, failed to pay bills such as gas or electric or missed payments on a phone contract, THEN been uncontactable for a large period of time, the creditors will approach your county court and have an injunction put against you which shows up on your credit report and stops you getting further credit or bank accounts. We don't worry about credit reports, but base lending on equity in any property you would like to use as security, we can lend to you.
Why we can still lend.
We, as private, independent lenders, work differently to your normal High Street banks and building societies. We offer a different style of lending than the Internet brokers and intermediaries you may have already come across on the Interweb. We don't use Equifax or Exeperian, or any other credit checking platform. We don't base our bridging loans on your credit score or borrowing history. We are in a position to base our financing on equity built up in any property and/or land that you pay a mortgage or remortgage on. Give us a call today.
Why others wil not lend.
When you local county court receives a complaint about you fr none payment of bills or credit agreements, along with non contactable registrations, irrespective on whether you turn up in the court or not, they are at liberty to register a CCJ against your name. What this means is that your credit score will contains details of the order, along with how much the court registered against you non paid and the complainant. One or several of these completely stops lenders and creditor brokers offering any type of finance. We still do. Call us today for info.
How to clear your CCJS.
It is relatively easy to clear county court judgements against your name. Each method depends on how the CCj or CCJ's came against your name. Occasionally, you can have been a victim of identity theft. When your I.D. is stolen, thousands of pound or credit and can be run up against your name. Not only loans can be set up in your name, but goods can be bought as well. In this scenario you need ot prove that you were the victim. The court will nullify the CCJ's with proof. If it is your ow fault, you need to pay them off. Do that with a bridge from us.
Are our bridging loans regulated?
Yes and no. We offer both forms of short term borrowing, regulated bridging loans and unregulated bridging finance. It's entirely up to you which route you choose. However, please br advised that the main difference is that with an unregulated bridging loan, you or family members cannot, under no circumstances, live in any of the property or properties you use as security.
We also offer 1st and 2nd charge borrowing to UK residents to those with county court judgements. Charges are dependent on other lending you have in place. Ask us for more information.
Call on our local rate 0845 475 1814 from a land line or call 0203 287 7169 from your mobile or request a call back by using the quick contact form on the right hand side, or just below depending on whether you are browsing on a PC or mobile device. Alternatively, click the button for our full on enquiry form.
Fast bad credit bridging loans are our specialty and because we offer both an unregulated and regulated service, and can offer both 1st and 2nd charge, we are not bound by strict guidelines sanctioned on banks or building societies or certain funding packages, which means a quicker decision and a faster pay out on any secured advance you are offered.
Our expert team with over three decades of experience in the short term funding market are on had during normal business hours to field your call and answer any questions you may have regarding bridging finance.
They can also accept your application on the phone too without you being obliged to accept any secured loan offered to you.
Speak to one of our lenders direct on 0845 475 1814 or you can click below to apply online, or you are able to call us up from your mobile phone on the landline number 0203 287 7169 or request a call back by using the quick contact form on the right or directly below this block, still without being under any obligation to accept any offer presented to you. Alternatively, apply online by clicking the button.
Quick contact form
Business and commercial
We can offer short, medium and long term options for businesses in the UK in need of finance. We have a plethora of products available.
Specialists in auction finance, we can help you get a quick bridging loan in place so you can bid on the property or land knowing funds are there.
Homeowner and residential
As we are the actual lenders, we can help home owners get funding even if they have been refused elsewhere. Property secured only.