Financing a car - refused a Halifax loan??

sillygirl24

Hi guys,

Can anyone give me some advice?

I've just been declined a loan from Halifax (despite constant letters offering me £10,000) should I try elsewhere or is that me screwed?

Thanks!

opinions4u

Did you apply by responding to one of these offers, or did you just apply yourself?

What reason have they given for declining you (e.g. credit score or credit reference agency)?

How much did you apply for, what reason did you state, what term did you ask for?

CLAPTON

you've forgotten to tell us

-how much for ?
-your income
-how long have you been emplyed there
-your existing debts
-what your credit records say
-whether you are on the electoral roll

Phil_GT

check your credi reports from the big 3 people

make sure its correct.

if all else fails buy a cheaper car (i know its not what you wanna hear)

BugsyBrowne

sillygirl24 wrote: »

Hi guys,

Can anyone give me some advice?

I've just been declined a loan from Halifax (despite constant letters offering me £10,000) should I try elsewhere or is that me screwed?

Thanks!

Also what did you have for lunch today?

sillygirl24

Sorry guys, we applied for 10k. Have a joint income of about 55k, both been employed for over 3 years ( I'm nearer 5)

My husband has a perfect credit rating, I've had a few past issues however have never missed a payment on anything within the last 3 years. I have a mortgage in my sole name, current car finance and cc with no balance (never missed a payment on any of these) my husband has a cc with approx £1200 balance (pay at least £500 towards it per month)

We didn't apply direct to the letter but online, then we called the bank and applied in hubby's name only(girl said it wouldn't be detrimental) and still refused

sillygirl24

opinions4u wrote: »

Did you apply by responding to one of these offers, or did you just apply yourself?

What reason have they given for declining you (e.g. credit score or credit reference agency)?

How much did you apply for, what reason did you state, what term did you ask for?

They wouldn't say why told them it was for a car

sillygirl24

Can any one point me in the right direction with this please?
Thanks

BugsyBrowne

sillygirl24 wrote: »

Can any one point me in the right direction with this please?
Thanks

How much do you both owe in total including car finance credit cards,catalogues,?

Dabooka

You mention some "past issues" and a clean record going back 3 years. How old are these issues and what were they?