What types of loan program are you dealing with if there is no Truth in Lending?
831997
TILA regulates all open and closed ended credit  (credit that never ends - like a credit card, and creidt that ends on a specific date - like a mortgage), except when an individual is loaning his personal funds to you.  In the case of homes, he can do this a limited number of times (I think 4) before he is also required to provide a TILA disclosure.\n\nGenerally if you are working with a business, one will be required.  Search TILA on www.FTC.gov
931640
i was in same situation.sent the money.didn't get the loan.that's  their  fee to look for a loan.the finance  company  make the final    decision.which is a credit check.so don't send the fee.its a con
783615
Depending on the amount, small claims court would probably be the best, especially if you have the agreement in writing.  Keep a good record of payments received (dates and amounts); this will show that he has violated the loan repayment.  Also, maybe send a letter stating that he is in violation and that legal action may be taken against him if he does not start a faithful repayment plan.
923161
Not from me, you can't. Lending institutions like to lend money to people who show some capability of paying it back.
297928
"no-doc" means  no documentation. If it is a true "no-doc" loan, the lender will not verify income, assets(you still need money down),  or employment. You need pretty good credit for these programs and there is usually an adjustment to the rate.
214604
You do not have to lie.  You just have to be willing to say no if they will not offer the car for what you want to pay.  If the process makes you feel sleazy, then maybe CarMax or a Saturn dealership where the prices are fixed might be the right option for you.
852791
Do you mean debt relief programs??
1069800
Put in refinance mortgage bad credit and see what you get.\n\n\nLC
958443
Only if you go into teaching or nursing, there are programs for loan forgiveness. I have included the sources for loan forgiveness.
704702
I invite you to check out the All Solutions Network website (at the sources bellow). There, you can access all kinds of information on different kinds of services. Also, what kind of loan are you talking about? Check out the sources I provide to you, and you might find something that may interest you...GOOD LUCK!
263999
I also had poor credit, but bought my first home last year.  I went through a broker, instead of just getting a real estate agent.  He was able to find a bank that would give me a "statement loan".  That is where I had the money, just not the credit.  They used my bank statements from the past year and seen that I had enough money to make house payments, and I was even able to get first time home buyer program, 0 money down, and the sellers paid the closing costs.  There are ways, but my best way was to go through a Broker, who was able to help me tremendously!
1109035
I am a loan officer with Providential Bancorp, a nationwide mortgage lender. Most banks and lendrs will not approve a loan over 100% LTV. But, all lenders are different. We specialize in working with people in similar situations to yours. (Bad credit, 100-125% LTV loans, bankruptcy's in the past, etc.) Give me a call at 312-264-6448, my name is Jason. I'd be happy to assist you in a refinance.. \n\nYou can email me at Jasonf@providential.com.\n\nI will be back to my office on Wednesday the 5th, but i will be on my email account through tthe weekend if you would like to talk now!\n\nEither way i hope you enjoy your holiday weekend!\n\nJason Fry
1040870
Assuming you can prove what you say.....they should have given you a Truth In Lending disclosure, that states the annual percentage rate, the monthly payment, the number of payments, the total of interest and the total of payments.  Your state should regulate lenders.  This is usually done in a Consumer Credit Commission or Banking Commission.  Contact your state's Consumer Protection Agency, or the Consumer Protection Division of the Office of the Attorney General.
297338
Yes, that is exactly what happened!I walked into the stingy  bank they were only paying 3-1/2%!I knew right away the were telling stories,what about real estate? And they had some story about unclaimed.org or get a mutual fund.Or a mortgage.Or a credit card.
278227
i work in finance, dealing mainly in lending. lenders are legally bound to follow certain rules. one of those is that they cannot lend money to customers that cannot afford to make the repayments. there is a little grey area, as different companies have different criteria. if you are in the uk, this is all covered by the consumer credit act 1998, and i would recommend that you contact the Financial Services Authority. this is the governing body for all financial companies in the uk. they will investigate, and will remain impartial. they will be able to give you better advice for the specific problem you are facing, though i have to say it's not very sensible to take out a loan when you know yourself that you cannot pay it back. having said that, they still have responsibilities, and i'd definitely check into that if i were you.
447373
Yes, But what type of loan are you seeking, commercial or personal. We can do any type of loan or grants. How much loan do you need? Do you have the income to repay the loan back on time. Are you interested in any grant money.
482935
There are plenty of companies that offer 100, 103 and 107% loan options.  Lending Tree.com would be a start.