Dont know what to do

softmind82

I asked so many times here and i beleive there are many finacial speacialist helping in this forum i would appreciate if some body can give me way to sort this out...


I am having a banking with abbey and they turned me down for just 3000 pound loan and i am earning 20k and really need money for my wedding by end of this month, i need quick 3000 pound as i am willing to pay high intrest as well ....


any body can help me ...

Phoenix79_2

Why have they rejected you? Bad credit history? Defaults or ccjs to your name?

Nytehawk

softmind82 wrote:

I asked so many times here and i beleive there are many finacial speacialist helping in this forum i would appreciate if some body can give me way to sort this out...


I am having a banking with abbey and they turned me down for just 3000 pound loan and i am earning 20k and really need money for my wedding by end of this month, i need quick 3000 pound as i am willing to pay high intrest as well ....


any body can help me ...

Maybe your just the one in 100 that get turned down even if the sun shines. There are so many other low interest options A& L 5.9% for example and I am sure if you trawled this site for a while you will do yourself a favour and then get applying............. Unless of course you do have a bad credit history

softmind82

Phoenix79 wrote:

Why have they rejected you? Bad credit history? Defaults or ccjs to your name?

Actually problem arised when in september when after checking my credit file Experian was relating my detail to some one who have same name like me ... but his date of birth was different from me ....

Experian have sorted that out and abbey still relating me with that person i spoke to them and even i send them a copy of my accurate credit file.. so they say that i should get the file of that person who have similer name to me but how can i get that .... ...its impossible ........

and Experiance says that they will send me correction letter by monday ( that they was holding up wrong information about me) which they made on my file last year september ... so n ow i am still waiting for letter to send it to Abbey....

Funny thing is i opened up my ist ever bank account with abbey last year and they gave me current account... before that i never had a credit card or bank account with any bank and abbey said that i been defaulted in 2003 and 2004 what the hell is that ...... it doesnt make sence ....

i hope By experian letter i will sort my matter out .. but still worried coz i have nothing time left now so need some money by end of this month..

i dont know whats wrong with them even they know my salary is comming every month in my account.... i am afraod to applying with other lenders as i am scared of my bad credit and scoring ... but i did applied for m&s credit card and being turned down by them i never been defaulted or any other thing... so why it is happening with me why dont they take a look peronally to my account...

dont know how to find way out ..

Phoenix79_2

Is your Equifax credit file ok? If so it might be worth trying to find a lender that only credit checks with Equifax.

Once you have the letter of correction then it might be worth having a meeting with the manager of your local Abbey branch.

softmind82

Phoenix79 wrote:

Is your Equifax credit file ok? If so it might be worth trying to find a lender that only credit checks with Equifax.

Once you have the letter of correction then it might be worth having a meeting with the manager of your local Abbey branch.

Bank saying that they don't deal with the loan matter i need to send this letter to the underwriting department who are dealing with my case...