Hitachi Capital Finance?

Sally-B_2

Hello, wondering if anyone has any advice

I have just applied for a loan and been Declined.
I have a Mortgage and a contract phone, have never had any other loan or Credit Card, have checked my Credit Score which is just below excellent and appear to have quite a good credit report. I am also on the electoral roll.

I tried with Tesco Finance for a loan of £3200 but was rejected but they didnt tell me why so I applied for another with Post Office a couple of days later, and that was also declined.

I work 50-60 hours per week and have quite a good income, never missed any mortgage or other payments so i ordered my credit report and the only thing on there is a missed payment for January due to me swapping bank accounts and there was no DD in place (even though i was never advised by my phone company id missed a payment!!!)

I have said the loan is for Home Improvements. Does it matter if its for something else if i was to be accepted?

Has anyone applied for finance through Hitachi Capital or know what their lending criteria is like? I really dont want to get refused anymore as it will affect my score but i dont understand why they are rejecting me because of one missed payment!!

Thanks

[Deleted User]

times are tough and one missed payment could be the reason,youve also applied to tesco and PO so that wont be helping.