I need to replace the decking around the pool, my 3 year old son loves going into the pool but the decking around it is becoming dangerous. The palings are missing and nails are sticking up. It is rotten away and needs to be replaced urgently.

I work full time and have had the current job for the past 17 years. I am a reliable person. I get paid weekly so I have no problem in repaying the loan. My husband also works full-time. I need to borrow the money to repair my deck. I am just worried it is becoming too unsafe to walk on. I have tried for a personal loan but because I had a previous default on my credit card, which I have now paid, but the default stays there for 5 years. So the personal loans keep getting declined even though they can see I can repay the loan. The default happened when my father had his stroke due to a car accident and I had to help out looking after him, I had to take time off work and that is when I fell behind on my credit card repayment - resulting in the default. But that card has since gone and the debt repayed. I just need someone to help me fund the decking to be repaired. I can repay the loan with no problems.

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