Help me get a loan..

Semantic

Hi everyone,

I thought I'd post and get some advice for getting a loan having just been rejected by Alliance & Leicester to avoid the rejection spiral.. Having been married last year and making the stupid decision to buy a car on a credit card rather than get a normal loan, I'm trying to obtain a loan to pay off some hefty 0% credit cards when they turn interestful.

This is my current status:

Current account 1: +£1000, overdraft available £3000
Current account 2: -£300, £1000 interest free overdraft, additional £750 non interest free

Credit card 1 (MBNA): £12,500/£14,000, interest free to end of April, £5/month
Credit card 2 (Amex): £1,400/£1,500, 14.9% interest (~£20/month interest/pay)
Credit card 3 (Amex): £800/£900, 25% interest (~£20/month interest/pay)
Credit card 4 (Amex: £400, plat charge card
Credit card 5 (M&S): £2,500 @ 3.9% lob (£60/month)
Credit card 6 (Natwest): £2,300/2,700, interest free until end of March, £50/month

This is my SOA:

Monthly incoming:
£2,410 after tax
£500/month from selling my car (starts this month, goes on for a year)

Monthly outgoings:
£1,200 rent - contract now finished, moving in with parents on 13th March, may look for a cheaper place after (budget £900 inc all bills and travel)
£100 council tax (all paid up)
£180 travel (2 x zone 1-2 travel cards)
£100 bills (mobile telephone, tv license, internet)
£250 food
£185 student loan
£150 credit card payments
£50 electricity/gas
£100 miscellnous

In addition I'll be getting a £5k bonus at the end of March on my paycheck and have to pay £1,700 in the next few weeks for school fees.

I've shifted a lot of money through credit cards in the last year and a half due to business expenses and have had one late payment on my file in september, which was a mistake and is now being rectified. Mycallcredit puts my score at 1230/1500 and credit rating at 4/5, waiting on the other agencies. I know I did some silly things with my credit, but trying to improve having talked to my banks and been told I couldn't get a loan in Dec (one rejection, one piece of advice).

I'm looking for £12,500 to cover the MBNA card asap to remove some worry, any advice would be fab. Is there any point appealing the A&L decision?

Sorry for long windedness,

Semantic

TravelDebit

You might want to try prosper.com (i posted about them in another thread)... You could get approved for any loan because the lenders are deciding weather or not to take a chance on you. Also, check out payment financing website. You could get a personal loan for just about anything there.

sukosaki

I currently have a listing at prosper.com if you want to see how it works. I have posted there before and also am an active member group leader and lender.

See my listing here:
http://www.prosper.com/lend/listing.aspx?listingID=160426&referrer=suko_investments&utm_source=referrer-suko_investments&utm_medium=referral-link&utm_content=link&utm_campaign=referrals-listing