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1. mister ed on June 5th, 2009 at 4:12 pm:

   baby steps –if i was in your situation i would go to a bank and talk to a loan officer and level with him and try to work out a deal — say i wanted 300 pounds to buy a tv — knowing he is going to turn my down i would try to work a deal where by i would put up 150 pounds and put the tv up for seccuirty == he should go for it — pay the loan of before the due day and from than i would have a friend (bank) that should be willing to help be in the future!!!