I have tried to get a loan. I have very bad credit history mainly due to a failed marrage. I have had all the usual loans: advantage loans, yes loans, payday loans, bad credit loans. I am reluctant due to reviews on the net and I have been stung before and never got the loan or the 50 pound fee back. I have had an offer from a firm but need a guarantor, which isn’t really an option either.

Has anyone also heard of a company called Fresh Loans? They have they sent me details, but I’m reluctant.

Thanks.