Best £15k lender- M&S,Tesco, AA?

johnnybzw

Hi guys,

So my girlfriend has made 2 un-successful attempts to borrow the money but in the days that we didn't know about Experian. Anyway there was a mark on there that was bringing down her score that we've since removed but only really have one more shot at a loan (even though we've appealed removing the others because of the inaccurate records) and have narrowed it down to the above 3 for their rates so has anyone had any good/bad experiences with those lenders so we can narrow it down to just one?

tell_it_how_it_is

No-one can really say one is going to be better than the other, as they will each have their own ways of interpreting the specific personal information you provide.

DCFC79

Whats your income ?

Any other debts ?

Each of the lenders will use a different criteria to score your gf on.

johnnybzw

DCFC I'm on £50k but already have a personal loan so can't stand guarantor for her or be of any assistance really other than to pay off her credit card (£5k but only £3k balance at the moment) if that will help the application but guessing we then have to wait another 30 days for it to reflect on her score which we don't really want to have to do...

AHAR

If this is still for that car exporting investment opportunity and you do get the cash to go through with it, would you come back and satisfy our curiosity as to what it actually involved or whether it turned out to be some enormous scam etc.?
Cheers

DCFC79

johnnybzw wrote: »

DCFC I'm on £50k but already have a personal loan so can't stand guarantor for her or be of any assistance really other than to pay off her credit card (£5k but only £3k balance at the moment) if that will help the application but guessing we then have to wait another 30 days for it to reflect on her score which we don't really want to have to do...

Sorry, i meant whats your gf's income

Emmzi

gf hasn't posted once. I am suspicious about how much she wants the loan and how much she is being pressured. If I were GF I would be pretending I failed credit scores all over the place.

DCFC79

AHAR wrote: »

If this is still for that car exporting investment opportunity and you do get the cash to go through with it, would you come back and satisfy our curiosity as to what it actually involved or whether it turned out to be some enormous scam etc.?
Cheers

Id forgotten the OP was the car exporter.

meer53

I feel sorry for the girlfriend

johnnybzw

What a wonderful insight into your sad little lives... So people come here looking for sound, professional, FINANCIAL advice and instead they meet with personal criticisms no doubt stemming from your inadequacies and self doubt? Word to the wise people - it doesn't make you sound any bigger or brighter judging others who are honest and vulnerable - it makes you bullies. Sad, attention seeking bullies who thrive on your own piteous support network. How about you focus on making your own lives better rather than judging what you think you know about others and leave this forum to those who actually know what they're talking about and are actually offering FINANCIAL SOLUTIONS. I won't justify myself by feeling I have to explain my or my partner's situation to you because it has no bearing on my question - and I have to say that reading lots of the other questions on here there seems to be a disquieting similarity between their responses and those above, all posted by the usual suspects...yourselves. SO in a sentence - do us all a favour, get a life or end it!
P.s. don't bother responding - I won't read it as I've come to realise this place has nothing to offer me in terms of intelligent response. So if you do it'll just be your own lowly self justification to your co-bullies and thereby serve to further highlight my point above.

iolanthe07

AHAR wrote: »

If this is still for that car exporting investment opportunity and you do get the cash to go through with it, would you come back and satisfy our curiosity as to what it actually involved or whether it turned out to be some enormous scam etc.?
Cheers

I suspect this is the post that made the OP so angry.