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Car Loan Help Please!

helpkitty
helpkitty Posts: 54 Forumite
Part of the Furniture 10 Posts Combo Breaker
in Loans
Hi
I have been looking for a loan for about £3k to purchase a new (used) car, my credit file is in good shape and I have never missed a payment or had a default/ccj but my application has been declined?
I think this may be due to my partner who has ccj's which are being paid off monthly.

Does anyone know of a similar situation and who can help me?

Thanks for reading :rotfl:

Comments

  • Tixy
    Tixy Posts: 31,455 Forumite
    Are you finanical associated with your partner - on your credit file are they listed under associations? If they are then that is probably causing you problems, if they are not then its not the problem.

    What existing debts do you have?
    What credit accounts do you have on your file?
    How much do you earn?
    Are you on the Electoral Roll?
    A smile enriches those who receive without making poorer those who give
    or "It costs nowt to be nice"
  • onlypaddy
    onlypaddy Posts: 991 Forumite
    Debt-free and Proud!
    Looking at your previous posts, I think it is more likely that your NatWest credit card which has been over the limit:

    https://forums.moneysavingexpert.com/discussion/3054660

    And have had accounts far enough in arrears to go to CCAs:

    https://forums.moneysavingexpert.com/discussion/comment/41393414#Comment_41393414

    Are the more likely cause. I'm afraid you will find it difficult to obtain a loan for £3000
    Debts at LBM (May '08) £5760 - Lloyds CC £4260, Lloyds OD £1500;
    Debts as of May 28th 2011:
    Santander CC: £0.00
    Lloyds OD : £0.00
    DFW Nerd #1247 - Proudly dealt with my Debts :D Olympic 2012 Challenge #12
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