Chance of getting a £7,500 £10,000 loan this time next year?

DCFC79

19lottie82 wrote: »

Yeah things don't add up here, reading the OPs other threads!

In some threads he is 19, others 20.

In a thread a couple of months old he says he was working in a supermarket, but was applying for a job as an admin assistant (yet was buying a £160k house.) now he is on a £28k salary. Hmmmmmm

It seems the OP either doesn't know how old he actually is or hes bending the truth, in the natrionwide loan thread he is 19 and the knife incident he is 20.

OP how is the newly born child and mother doing ?

This thread should be moved to the loans board.

k3lvc

DCFC79 wrote: »

This thread should be moved to the loans board.

Isn't there a 'popcorn' board it could go in :rotfl:

redcard

You're 19, you earn £28K, why on earth do you have a Vanquis credit card??

Bizarre.

HiToAll

k3lvc wrote: »

Isn't there a 'popcorn' board it could go in :rotfl:

the OP should have a section all of their own

ILW

Check OPs other threads. Total fantasist.

inmypocketnottheirs

Notwithstanding any of the above comments, quite why anyone wants to pay interest on rapidly depreciating assets fails me.

An Intelligence Test should form part of credit scoring....

DCFC79

FTBSOS wrote: »

Hi there, I am 19, soon to be 20 at the end of this year. I stupidly applied for a 13k loan with nationwide, thinking i would get it, and got rejected, along with another lender carloan4u.

I got no late/missed payments/ccj's/defaults I'm on the electoll roll.

My credit history is not bad at all, but there's around credit 10 searches on my file.

I have a nationwide credit card - £2400 limit.
Barclaycard initial - £800 limit
llyods tsb avios duo £1000 limit
Vanquis credit card - £300 limit
Capital one secure card - £400 limit

total £4900 limit combined on all cards.

The 10 searches could be putting lenders off, it comes across as desperate.

FTBSOS wrote: »

I earn £28k a year. Based on the above info provided, what can I do to improve my chances next year of getting accepted?

I guess nationwide though it would be too much for me to handle if I were to take out a size of this loan? Is it due to my age?

The reason why I wanted a 13k loan is because those who are a fan of cars, I absolutely adore the MK5 golf r32 and I want one really badly, I am prepared for the what the insurance be on this.

Dont ask for so much, only have 1 or 2 CC's and why 3 sim only deals ?

The amount you want to borrow compared with your salary plus your current card limits might be the issue.

Do you actually need the car ?

Me thinks not, you have your hands full even if you are/were planning on getting the car next year.

What does your partner think of this plan ?

closed

imaginary salary

scholesfan88

This guy has issues. Like the time he tried pulling a knife on a guy that was gonna rent him a merc amg haha

pauletruth

wow. all i can say is get some more moneygrams. a very unlucky chap losing a house getting nicked for carrying and threatening to use a knife being stopped for issues over iffy moneygrams a new wife and a baby and he wants a lone for a boys toy.

i thought my ltfe was exciting over tesco bank refunding me 20 quid from 3 years ago for dispensing it.

a 19 year old having all that happening you poor devil.