LoansAtHome4U
Good:
They will lend to you even if you have bad credit
Bad:
If you miss payments, they will become very demanding for their money and harass you
Verdict:
Use this company as a last resort as the interest rate is very high and make sure you can afford the repayments
LoansatHome4U offer a doorstep lending service where you can borrow anything from £150 to £600. This means that your cash is delivered to your home and they pick up your repayments from your home. LoansAtHome4U only operate in certain areas of the UK so you will need to check on their website if your area is covered by them.
Their online application is straightforward and simple compared to the other doorstep lenders. You will complete the initial application online. If you are provisionally approved, they will contact you to organise a meeting with your representative at your house. Once this meeting has taken place and if you are successful, the funds will be delivered to you within 5 working days.
Like most doorstep lenders, you should only go with this type of loan if you have a poor credit history and can't get credit anywhere else. We would only recommend taking the loan out if you know you can make repayments on time as their agents work on a commission percentage and can get aggressive if you do not make payments on time. Having people knock on your door for money when you don't have it can be quite unpleasant. On the other hand, if you do make your repayments on time, they may be able to help you rebuild your credit history.
agent shouted swearing at me as i was'nt able to pay one week as my car broke down and had to pay a £50 fuel surcharge for the hire car as i had a busy week and being disabled public transports not a option as my condition is very painful and as i told her months ago i had a personal issue that was going to cost a bit to sort but it be worth it as i had not only hospital appoints this week but appointments about the personal issues too i had no choice but to not pay and she sshouted oh u got ur f***ing priorities wrong i got to pay now as i havent been able to collect and my husband said you know my personal problems so how are my priorites wrong then ? and he got told why dont you just f*** off you had no intention of paying well did i know that my clutch was going to go ?? and no i didnt till it went
Worst doorstep loan company i am ever seen , All seems well until they visit your property and take away your documents and insist on them being originals , Told you will have the loan within 5 working days and nearly 4 weeks on still no loan , Lied to on a daily basis by the staff that we will be getting a call back (They have not rung us once) And an absolute impossibility to get documents back from them . To the point today i hav been intouch with citizens advice about getting them back . AVOID at all costs [Text removed by Loanfinder's Hello Team as may be considered offensive]
Took ages to get the money, all loans go into there office on mondays and funds issued on wednesday's. if you want a faster pay out use provident or shopacheck.
IF ANYBODY WANTS TO KNOW ABOUT THIS COMPANY GO TO BBC_XRAY IT ON ABOUT LADY WITH THIS COMPANY VERY GOOD TO READY
PEOPLE SAY AWAY FROM THIS COMPANY I WILL NEVER GO BACK TO THEM AGAIN PROMBLE I AM HAVEING GETTING DOCUMENTS BACK I HAD TO GET ADVISE FROM THE POILCE THAT HOW BAD IT GOT DONT TRUST THIS COMPANY THEY FULL OF RUBBISH STAY AWAY I TOLD OTHER PEOPLE THE SAME
this company full of s**t i wont go to them again anbody what thinking of going with them say a way
will never deal with this company again the guy who called was lovely at first then gave us the run around for two weeks and refused to return our proof of i.d we had given him in order to have the loan approved.head office were helpful but not botherd that we had to go through this.
I had fallen behind on my payments due to becoming unemployed. I was really worried about making my payments and I actually missed a couple. My agent turned into a completely different person and was hassling me for the money. I felt really uncomfortable and wasn't happy with the service in the end.
I had noticed this product while online browsing for personal loans when the car broke down. The amounts offered - £150 to £600 were perfect for what I needed it for. I was impressed by the APR, knowing that most loans like this can hit upwards of 2000%. I was told I needed to provide utility bills, which I did indeed produce for them, yet after I had given them in I was then told I needed further proof of identity. I would have preferred to have been told exactly what I needed all in one go as it did hamper the payout time but, this seeming error in communication aside the loan was still paid out relatively quickly and would still recommend this to a friend.
Brilliant service – really happy with the customer representative that came round – very friendly service and the money was with me extremely quickly which was handy as lets just say I was in a bit of a pickle! Thanks S and U you really saved the day!!
I was very happy with the service provided by LoansatHome4U. It was handled very well and the sales agent that came to my house to go through the paperwork was very friendly and reassuring. This was very refreshing what with most other companies decided to push all their stuff online. After this brief home visit – the money was delivered to my door a few days later at my request. Once again – very happy with the service.
Loans for £200, £300, £400, £500 and £600 are available for 32 weeks
- You need to have been a UK resident for one year or longer
- You don't need to have a good credit history
- You do not need to have a bank account
- You need: Proof of income, Proof of ID, utility bill, national insurance number
- You must be in full-time, part-time or self-employment earning £1,000 per month or retired
- You need to be 25 years of age or older to apply
- If you are going to miss a payment, you need to speak with your agent to arrange a better date. Or, they may get bailiffs involved
- You can settle your loan at any time without a charge
- If you default on a payment, your loan may be referred to bailiffs who will take immediate action and repossess items
