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Applying for another loan/current account help? 20
marrow26
Posts: 7 Forumite
Not quite sure if this is worth doing, but i thought i'd get an opinion, i know a few !!!!!! will be around, but serious replies are appreicated.
Basically i've got a full timish job, looking for a career/apprentice job. Earning around £520 a month at the moment.
When i was 19 (March 2010) i opened a current account with Yorkshire, and took out a loan for £1400 over 3 years with them.
I also have a student account with Barclays, but i dont really use that anymore.
I need another loan to tide me over, quite skint, need money for holiday/car repairs, so i'm looking to take another £1200 loan out over 2 years, again working out at around £15 a week payback.
So i'd be payin £30 a week back overall which i could afford quite happily.
My question is how many current accounts are you allowed? as the ones i've looked at want you to switch your banks over?
Will they know about my previous loan and will that impact my new loan request? Can i lie about not having another bank account?
On one of the applications i've just put in my other acount is at Barclays, so they won't know about my loan, but then if they ask where do my wages go as proof, then what do i answer?
So basically someone with a little more life experience, can i get another current account? Do i need to tell them about my Yorkshire bank account and loan? Have i much chance in being succesful?
When i went for the Yorkshire bank loan, i went in that day, set up a current account, proof of earnin £540 a month, and they just funded my account that day.
I have since heard that they can check my Yorkshire bank account anyway? In how much depth?
I have been very good for the last year with my loan repayments however the other day "Yorkshire" let me go overdrawn (something that shouldn't have been allowed) and i'm now £195 overdrawn with them, i can't afford this and part of the loan is to pay this off, instead of using quick loan services. Will this £195 overdrawn affect my loan application elsewhere, despite being very good with payments?
Cheers for any help
Basically i've got a full timish job, looking for a career/apprentice job. Earning around £520 a month at the moment.
When i was 19 (March 2010) i opened a current account with Yorkshire, and took out a loan for £1400 over 3 years with them.
I also have a student account with Barclays, but i dont really use that anymore.
I need another loan to tide me over, quite skint, need money for holiday/car repairs, so i'm looking to take another £1200 loan out over 2 years, again working out at around £15 a week payback.
So i'd be payin £30 a week back overall which i could afford quite happily.
My question is how many current accounts are you allowed? as the ones i've looked at want you to switch your banks over?
Will they know about my previous loan and will that impact my new loan request? Can i lie about not having another bank account?
On one of the applications i've just put in my other acount is at Barclays, so they won't know about my loan, but then if they ask where do my wages go as proof, then what do i answer?
So basically someone with a little more life experience, can i get another current account? Do i need to tell them about my Yorkshire bank account and loan? Have i much chance in being succesful?
When i went for the Yorkshire bank loan, i went in that day, set up a current account, proof of earnin £540 a month, and they just funded my account that day.
I have since heard that they can check my Yorkshire bank account anyway? In how much depth?
I have been very good for the last year with my loan repayments however the other day "Yorkshire" let me go overdrawn (something that shouldn't have been allowed) and i'm now £195 overdrawn with them, i can't afford this and part of the loan is to pay this off, instead of using quick loan services. Will this £195 overdrawn affect my loan application elsewhere, despite being very good with payments?
Cheers for any help
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