have i been conned.

[ghostspirit]

not sure if i have been conned or if im just being a bit thick. i had a loan. but still owed 150 pounds on that loan. I was told i could have another loan of 500. but i have to use that to pay back the remaining 150 on the old loan, so leaving me with 350.

so now interest and weekly payments are based on 500.

should i have been asked if i wanted to borrow 350 rather than the 500.

but then if my balance has to be zero maybe that was the only way round it.

anyway something does not seem right. maybe it is right and im just being a bit thick.

so i borrowed 500. ended up with 350 due to owing 150 to clear old loan. and now my total repayment will be 945.00

I think it's not about the dog as such, it's about anything non-essential. If you needed a loan for general life then anything non-essential needs to go and I'm afraid I'd consider a pet to fall into that category if I was struggling for money. Anyway good luck at the Credit Union, I hope they can help.