Please help!

Me12345

Hi, I was wondering if someone could help..?

I applied for a tesco loan last week and have still not heard anything. Could this maybe because I applied 6 months ago for a lower amount - I did not go ahead with this loan, I basically left it and didn't take any action.

I have now applied for 12,000. I have two jobs, I earn around £1900 a month after tax, I do not own my house as I still stay with my parents and I have been staying here for over 12 years. I don't have many out goings, apart from my rent and my gym fees. My credit rating is fine. What are the chances of me being accepted for this loan? The reason I put down for the loan was for a new car and to pay for a course. Just getting a little apprehensive as it is taking so long.

Thank you in advance.

Me12345

50 views and no reply yet.......?

immoral_angeluk

Give their loan department a call, can't hurt.

Me12345

I already have just waiting on correspondance but just wondered what people thought regarding my circumstances...?

immoral_angeluk

Me12345 wrote: »

I already have just waiting on correspondance but just wondered what people thought regarding my circumstances...?

Hard to say really, some banks take longer than others and banks are being extra cautious at the minute to who they lend to but I'd say week to two weeks tops.

Me12345

generally with my circumstances as stated above, would you say that is in the `safe` category?

emz0801

They took absolutely ages to do my loan and correspondence takes forever to get to me. Keep phoning.

Me12345

Oh no....really? how long did it take from start to finish? I was hoping to have the money by at least next week...wishful thinking maybe?

emz0801

From the start of the application to getting the funds was approximately 4 weeks. It was a complete nightmare, they sent out 3 different sets of documents for me to sign over 3 weeks and they all arrived in the 4th week on the same day! Sorry if this isn't the answer you are looking for. Perhaps my application was a one-off and you may be luckier?

Me12345

Thank you for your reply Emz0801 I don't know whats taking them so long and the woman who is dealing with my application always says correspondance is on its way and 2 weeks later I still dont have any! Really starting to annoy me! hopefully I am luckier, just have to wait n see...just outta curiosity were you accepted for your loan?

emz0801

Yes, I was accepted. Then they delayed putting the money through to me!