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Loan options help please
This is my situation....
I earn £49k pa.
I have £4.5k on a GE money credit card at 0% until May.
I have £162k at 4.29% fixed until October with 23 years left on a Halifax mortgage.
We're getting married in May this year and as my better half arranged most things, costs have increased as well as some of her earnings not being as high as anticipated.
We have around £12k left to pay to various companies, most of which is due by April.
I wanted to get a loan for £15k which would pay off my credit card debt and most of the wedding charges due soon. My other half would be transferring £1000 p/m to me to pay for this.
I applied for this figure over 24 months with Northern Rock. I was quoted a rate of 6.9% and a monthly payment of £742, but this was with their Gold payment protection which I thought was ok.
Anyway, once the paper work came through the protection showed as costing £74 p/m. I didn't want this so called them to cancel the protection. They had also got my d.o.b. wrong as well as my work name and address ! ( I had given all details over the phone to an operator )
With this new info and after a 40 minute hold I was then told I couldn't have the £15k loan, only £10k. Because they got my d.o.b. wrong by one month.
I then told them where to go :mad:
Straight away I applied for the same amount over 42 months with A+L, this time online and entering my details correctly myself.
This morning I had a letter to confirm that they wouldn't be giving me the loan either.
Now I don't know what to do ? I have never missed any payment from any credit or utility bills.
I also got myself an Experian report, this showed no problems.
What should I do ?
I was now thinking of speaking to someone at Nationwide (where my current account is) for a loan.
Should I apply again with a longer time scale involved ?
Thanks for any advice :beer:
I earn £49k pa.
I have £4.5k on a GE money credit card at 0% until May.
I have £162k at 4.29% fixed until October with 23 years left on a Halifax mortgage.
We're getting married in May this year and as my better half arranged most things, costs have increased as well as some of her earnings not being as high as anticipated.
We have around £12k left to pay to various companies, most of which is due by April.
I wanted to get a loan for £15k which would pay off my credit card debt and most of the wedding charges due soon. My other half would be transferring £1000 p/m to me to pay for this.
I applied for this figure over 24 months with Northern Rock. I was quoted a rate of 6.9% and a monthly payment of £742, but this was with their Gold payment protection which I thought was ok.
Anyway, once the paper work came through the protection showed as costing £74 p/m. I didn't want this so called them to cancel the protection. They had also got my d.o.b. wrong as well as my work name and address ! ( I had given all details over the phone to an operator )
With this new info and after a 40 minute hold I was then told I couldn't have the £15k loan, only £10k. Because they got my d.o.b. wrong by one month.
I then told them where to go :mad:
Straight away I applied for the same amount over 42 months with A+L, this time online and entering my details correctly myself.
This morning I had a letter to confirm that they wouldn't be giving me the loan either.
Now I don't know what to do ? I have never missed any payment from any credit or utility bills.
I also got myself an Experian report, this showed no problems.
What should I do ?
I was now thinking of speaking to someone at Nationwide (where my current account is) for a loan.
Should I apply again with a longer time scale involved ?
Thanks for any advice :beer:
Never buy a stupid dwarf -
Its not big and its not clever.
Its not big and its not clever.
0
Comments
-
When I got married I think it cost eleven shillings and sixpence.
i.e. 58 pence.
It was worth every penny...0 -
:spam:
reported
someone ban this guy0
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