Got a bad credit rating and finding it difficuly finding a loan?
If you have CCJ's you may find it more difficult finding a suitable finding a loan, Ocean Finance have an extensive range of homeowner loans that cater for people who may have an adverse credit rating, so even if you have been rejected for a loan by one of the high street banks or other finance provider Ocean could still help you find a loan that suits your needs.
What is a CCJ?
CCJ stands for County Court Judgement, this is where you have been taken to court by a creditor to reclaim a debt or pay an outstanding bill. The court looks at the facts and decides whether you owe any money and if so, how you should repay it. If you are found that you do owe the money the court will issue an order saying you must repay the debt and how much to pay. This order is called a County Court Judgment (CCJ) and will either be for a payment amount agreed between you and your creditor or if you can't agree, a payment will be set by the court. Unless you pay the full amount of the judgement within one month, your CCJ will be recorded on the Register of County Court Judgments for six years. Organisations such as banks, building societies and loan companies use the registered information to help decide whether to give you credit or loans, like a mortgage, so if you have CCJ's on your credit file you may find it more difficult finding finance and you will probably end up paying a higher interest rate.
Even with CCJ's Ocean Finance could still help, you can apply for an any purpose secured loan from Ocean Finance who have said YES to thousands of borrowers. Ocean Finance can offer thousands of any purpose loans, even for people with CCJs.
With an any-purpose UK loan from Ocean Finance, you can pay off all your existing credit cards, overdrafts & unsecured loans and replace them with just one manageable monthly loan repayment. Even if you have bad or poor credit, CCJ's or mortgage arrears you can still qualify for a secured loan through Ocean Finance.
All enquiries are treated on a 'No Obligation' basis, so why not give us a call or apply on-line NOW?
OUR TYPICAL, VARIABLE RATE IS 17.9% APR. MOST PEOPLE WILL RECEIVE A LOWER RATE THAN THIS.
RATES RANGE FROM JUST 9.7% to 29.9% APR.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Homeowner Loans Secured On Your Home
Use an Ocean Finance UK homeowner loan to consolidate all your existing credit cards, store cards and unsecured loans leaving you with just one convenient, manageable monthly repayment and improve your cash flow. Alternatively use your Ocean Finance any purpose loan for items such as a new car, home improvement jobs or a holiday. Even if you have bad or adverse credit, county court judgments (ccj's) or mortgage arrears you may still qualify for a home loan through Ocean Finance.
"Ocean Finance®", "Ocean Mortgages®", "Ocean TV®","Ocean Finance TV®", Ocean Money® and Ocean® are registered trademarks of Ocean Finance and Mortgages Limited. The use of these marks is strictly restricted to our approved suppliers only. Any infringement of this will be vigorously pursued. 'Ocean Finance' and 'Ocean Mortgages' are trading styles of Ocean Finance and Mortgages Limited. Company Registration Number 4892540.
We are authorised and regulated by the Financial Services Authority for the provision of mortgage advice and arranging insurance. We are a licensed credit broker under the Consumer Credit Act 1974
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