Human Lenders?

f114306

Hi All,


Is there a lender out there who actually takes the time to engage with you and discuss your financial history, circumstances past and present with you as part of the loan process?


If there isn't then surely there must be a case for one!


Rgds.,


CG

[Deleted User]

Customer weren't willing to pay for such a service unfortunately.

Gaz83

f114306 wrote: »

Hi All,


Is there a lender out there who actually takes the time to engage with you and discuss your financial history, circumstances past and present with you as part of the loan process?


If there isn't then surely there must be a case for one!


Rgds.,


CG

Sounds like you've identified a gap in the market!

Let us know how you get on.

foxy-stoat

f114306 wrote: »

Hi All,


Is there a lender out there who actually takes the time to engage with you and discuss your financial history, circumstances past and present with you as part of the loan process?


If there isn't then surely there must be a case for one!


Rgds.,


CG

They tried that one years ago - look where it ended up?!

They lend based on facts and historic data.

f114306

I'm not advocating that they merely lend you money based on a chat over a cup of tea rather that they discuss with you alongside the facts, proofs and historic data, maybe over tea (or coffee in my case).


Rgds.,


CG

foxy-stoat

Naaa, just complete the online forms and read all the documentation thoroughly, if you have any questions then you have to ring them.

DCFC79

f114306 wrote: »

Hi All,


Is there a lender out there who actually takes the time to engage with you and discuss your financial history, circumstances past and present with you as part of the loan process?


If there isn't then surely there must be a case for one!


Rgds.,


CG

A welcome to you after a belated 7 years.

Why is it you want this ?

Have you tried the high street lenders ?

reason2

Under GDPR (formerly data protection) you do have the right for any automated decision to be reviewed by a human being with the possibility that said human can overturn the decision.

Even though it is your right, most companies will simply ignore this with a computer said no response

Herzlos

What are you hoping a human will do that a finely tweaked computer algorithm won't?


Do you have some marker which is causing it to say no, but that you can explain away to a human?

Debtnomoreplease

I think credit unions do? But not 100% sure

DCFC79

Debtnomoreplease wrote: »

I think credit unions do? But not 100% sure

I thought 1 needs to be saving with them before loans can be offered/taken out.