How banks check what you spend your personal loan on?

tetley

Apples2 wrote: »

Are you earning 45k plus with an impeccable credit history and no current debt or available credit?

Cant see what that has to do with it, i earn 37k and have just taken an unsecured 20k loan with Sainburys at 9.2%, and ive missed a few payments, not missed them all togeather, just late by a few days.
I have over 15k of debt on credit cards, this is what the loan is for.
So getting a loan shouldnt be a problem for this chap :-)

brian_723

Barclay's are always offering me pre approved loan of 15k plus and they are really pre approved as my ex-wife tuck one out .The interest is usually not that good but borrowing it should not be too much of a problem if you are always in the plus .The minute you start using your overdraft the following month these offers disappear .

tetley

Apples2 wrote: »

Sound like an Icon of money management.

if that is you trying to be clever, then dont.
you dont know my financial situation, and as its none of your business, you never will, im just telling it like it is.
what i earn, what debt i carry, and the loan i have just got, its there for info only, to help other people, its not there for you to sit at your desk nodding at the screen, being smug