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Your welcome, and yeah your right it is a very smart way to raise cash, well If I take £5k i have to pay £40 extra on my mortgage per month over the course of 17 yrs and 7 months which is like saying "hey your gonna do your shopping at Sainsburys instead of Asda's" which is really a minor blow.
Well I earn a steady 22,000 a year and never missed payments, ccj's or bankruptcy so I have a clean record with the mortgage lenders my credit history on the other hand is dissmal due to never taking a loan or credit card but I can't see that bothering them I have proven myself already
It's down to the underwriter,
apart from crazy payday loans any suggestion where i might find another loan or cash my car is worth Fosters all at £700, I dont know any mobsters and I cant sell a kidney because I'll end up killing someone with the amount of baileys that has passed through it.