I was in a state of desperation! At the time i needed cash quickly and this really was my only option! Unfortunately the rate increased from when i originally applied and when i had the forms in front of me but at the time i was in such a state i had to say YES!

Stupid thing to do in hindsight but thats in the past!!

I have since got a loan from the Halifax @ 17% but now they wont let me top it up until there has been more payments, this loan has been running since October though!