Seriously fella, I work for NatWest bank, and if you have gone to collections with my lot you must have done something quite serious to warrant it. I look after businesses and I don't send many to collections, and its usually to crystallize a debt someone owes and cant repay because the company has gone bust.

You say saving aint gonna happen, so if you can't save the money, how can you pay the loan if you have no spare cash to put aside to save in the first place?? Where is the money gonna come from pay it back?

Your account has already gone to collections, which means somewhere along the line, the bank has given you a facility of some description and you have either not kept up with the payments or just abused it, but then you want a company to give you more money?? It aint gonna happen when you have something like that on your credit file, you have proven to one company you cant keep up with your commitments so why would anyone else give you some without bending you over and raping you on the APR?

I'm fed up with people just assuming banks and credit companies will just throw money at people, you wouldn't do it with your money would you? This is what got the whole credit crunch moving in the first place.

Rant over and flame suit on.