Refused finance in curries store

Uberior

£35K between you means you are averaging just above minimum wage, or are below living wage in many parts of the UK.


If you were buying the device as a sole borrower, it is about your single income. It's not clear how much of the £35K income is yours. If it is exactly half of the £17,500 then your take home salary will be in the region of £1,286 per month (excluding any pension costs).



Average rent is £926 a month
Average Council tax is £160 a month
Average Car Insurance is £40 a month
Average Energy Bill is £95 a month


So just the basics, on average, would take up almost half your salary.



Agreeing to lend isn't just about your borrowing history, it also relates to your means and ability to repay the debt.


Currys have probably erred on the side of caution and protected you by not lending you money that they perceive you cannot afford to repay.