Now I have been described in certain quarters as a bit lackadaisical, sometimes irresponsible and even just plain stupid.
Now all of these descriptions refer to by financial dealings. Though I say it myself, in nearly all other areas of my life I conduct myself impeccably. I can plan ahead when it comes to cultivation, I can schedule a project and I can assess my nutritional assets when cooking for 20

However, fiscally I am a complete nobrainer. My credit has slipped from bad to worse and then even dropped off most scales.

<<if you are a lender or an investor please take this diatribe with a pinch of salt - I really am a very suitable candidate for a loan, mortgage or investment - honest >>

So, needless to say my credit history has a few default notices and a couple of CCJ’s on it - I was feeling pretty hopeless.

Then I perchanced upon bad credit mortgages from clickngo and, having gone through their mortgage calculator and spoken to their customer services I feel that a bad credit mortgage is not out of my reach. I will become a home owner.

Of course, if I do get the mortgage, I will probably default on it and have my home repossessed, that is in my nature, but, hey, thats life…………

Now I have had my share of car problems of late, I have had blowouts, flat batteries and break ins and my poor wee ford fiesta is still struggling along.

My current insurance company have looked after me quite well but I have been increasingly aware that I should look online for a new motor insurance quote.

The thing is that CIS Insurance appear to better the offers that my existing car insurance provider are offering me. They can come up with both no claim and introductory discounts, all great money saving enticements, especially with the 10% online discount

The internet really is creating an environment where the savvy web user can easily find the best deals, rock on the www.

Bad credit mortgages are now a boom business in the UK, they have become a necessity in a financial environment where more and more people are finding that life is hard.

The financial situation in the UK has become rather difficult for a whole generation of consumers. Young people starting out in life have been brought up on a MTV diet of adverts and product placement. They start earning their first wages already imbued with a deep seated need for acquisition.

The next stage of this cynical and vicious circle is that the institutions: banks, credit cards, store cards and other lenders vie for the opportunity to snare the customer into debt - knowing that once a debt is held that is a customer who can not take their business elsewhere.

In many cases the borrower will manage their finances responsibly and their credit rating will increase with each repayment and they will become a model customer for the banks.

However, there is an ever increasing number of people who, like a boat letting in water, find themselves caught in a trap. They will eventually end up defaulting on repayments and, often, having CCJ’s issued to themselves.

A contributory factor to the trouble that young people are finding themselves in are property prices. These have brown at a rate far surpassing inflation or wage increases, leaving many people with large problems when considering buying a first home.

So we have a generation, many of whom have bad debt, poor credit records, defaults and CCJ’s ( County Court Judgments) against their name who wish to purchase property. Clickngomortgages specialise in bad credit mortgages for just these people. An amazing 1 in four Britons would be turned down by a mainstream mortgage lender and the service provided by clickngo allows many people with poor credit histories to get on the property ladder and rebuild their credit rating

The service is invaluable to this disenfranchised generation.