Rejected a loan.. more detail contained within!

lauraloubell

Thanks lolavix, I guess I have too much of a conscience. I just want to stand on my own two feet and despite my boyfriend's generous offer, I don't really want to be beholden to his good grace.

I know you've tried to be helpful. I think some others have just been really nasty and smug "facepalm to the nth degree" is not what a person who is suffering with a lot of worry and trying to improve their life needs to hear.

also the "helpful" person who said of my tough few years "been that bad has it" unbeleivably smug.

KingElvis

If you're nervous then the last place you should be asking for comments is on the Internet, you'll get slaughtered.

I think this is the most barking thread of the week so far. I can't make head nor tail of the whole thing.

lolavix

Why are you taking things so personally on the internet? People on here don't know you and your personal circumstances. When you're looking for a loan just before giving up your job and then going self employed with not guarantee of income, it doesn't come across as the best idea and everyone has put their opinions across in different ways

lauraloubell

I'll go elsewhere in future. Thanks for those who advised, as for the rest of you - good luck with your miserable lives spending time making strangers who already feel !!!! feel even shitter.

cattie

lauraloubell wrote: »

I am on the verge of a breakdown as I have mentioned and frankly after this thread I feel a whole lot worse.

I wouldn't worry too much about this aspect, as generally, when people have a breakdown, it's something they are not aware is brewing, it just happens suddenly. You only realise you've had a breakdown when you are actually recovering from it.

If you feel that things have gotten on top of you, then go talk to your GP. You're a mother, so owe it to your daughter to ensure you can competently take care of her. She has to be your first priority.

lauraloubell

Thanks so much cattie. I have had a breakdown before so i know the signs. Maybe that's why I'm keen to get things in order now rather than later.

I'm worried to go to the GP as it'll get noted down and affect my application for childminding. But I will look after myself.

jon_boy75

i thought you were studying at one point? I'm lost

Anyway, Moneysupermarket has a Smart Search tool that will try and match you with suitable loans, based on your credit file, leaving only a 'soft' footprint on your credit file

I think LendingWizard does the same.

Good luck, with whatever it is you're doing

CHR15

Crikey Laura, If you don't want advice, don't ask for it.

I can't help but feel your boyfriend is going to be repaying this loan of yours. Good for you he seems generous.

fozmcfc

KingElvis wrote: »

I think this is the most barking thread of the week so far. I can't make head nor tail of the whole thing.

100% correct, the whole thing is simply absurb, I don't think the OP is a troll, but they do a very good impression of one.

lauraloubell

I wanted advice, that's fine. It was the snidey superior remarks that got to me, but maybe I'm just overly sensitive at the moment. I guess that's why I am always careful how I respond on forums as you never know the mental state of the person on the receiving end, it costs nothing to be kind - even if the advice you want to deliver isn't in agreeance with the original poster. There is just a way that you communicate with people that doesn't treat them like sub-class human beings.

But that's just me.

If anyone wanted an update, I dropped in to my bank this afternoon (Natwest) and they have given me a loan instantly for £4000 which means I can pay my boyfriend back, pay off the old Egg debt and have a little left over to fund my childminding course. They have also given me a credit card for my business expenses. My bank manager also agreed it is ridiculous for a person in my position not have the use of a credit card. (I'm quite sure that he is hoping I wont stick to what I say and that I'll make him some juicy interest but considering I've had £1200 available on Very, £5000 available on my boyfriend's credit card and £1200 overdraft available for the past two years and haven't touched barely any of it I think it's pretty low risk that I'll turn in to some purchase-mad freak over night )

The repayments on the loan are £126 a month which is about £186 less a month than I am paying now. Yes, I'll be paying interest which I'm not doing now but crucially it will allow me to spend the next 4 months saving enough to have a break over the summer with my daughter and embark on a new life of studying and childminding in the autumn.

I took the advice on here and paid my Very card off with some of my £500 savings - this made sense so thank you for that advice.

Thank you CHR1S - My boyfriend is very generous and I am very fortunate, but I still would prefer to stand on my own two feet and frankly if i can't raise £126 a month to service my debt for the next few years I may as well top myself now :rotfl: