Friend wants me to be Guarantor but I have concerns

kazwookie

It's a no from me


Has scam written all over it


Tell your friend to save his own money or get another job to pay for the op.

AnotherJoe

Just another vote to SCREAM "NO".

• There's your situation which rules it out.
• There's his financial history which doesn't bode well
• There's logic - how the hell can he afford a wife and new baby if he can't afford a few quid for a relatively minor operation.

It's either a scam or he's a complete plonker or both, don't get enmeshed with it.
As someone else said, if you'd like to gracefully exit then tell him you've been advised that a guarantor loan will damage your prospects of getting a mortgage you need (take this post as that advice) and so you can't do it.
And if he's a real friend tell him he's a plonker for planning a new kid when he can't afford his current ones or the op.

Voyager2002

SnowTiger wrote: »

A visitor's visa is cheap, but difficult for Filipinos to get. They have to prove they will return to the Philippines after their stay.

Bringing a partner to the UK on a family visa is expensive. Someone who's sniffing around for a loan of just over £2,000 doesn't have the funds to do it.

The application fee for a visitor's visa is a lot of money in the Philippines, and from the details in the OP I am 90 per cent sure that it would not be granted. (The fee is not returned when the visa is declined.) Certainly if the friend told the visa officer what she was planning then refusal would be certain.

Anyone who can plan to visit the UK for six months obviously does not have much of a job at home. Since a decent job (and income) is one of the first things a visa officer looks for, her chances of getting a visa are very low.



Just for the record:
A foreigner who comes to the UK with an ordinary visitors' visa cannot get married here (there are special visas that do permit marriage in the UK);
It is not possible to transfer from a visitor's visa to any other kind of visa: anyone who wishes to do so has to return to their home country and make a completely new application.

iolanthe07

Procedures may have changed, but when I had my vasectomy back in the 1980's I was told to regard it as permanent because a successful reversal was by no means guaranteed. (Best £40 I ever spent, bty).

shortcrust

What a mean and manipulative way to treat a friend. Anybody trying to put me a situation like that would be off my Christmas card list.

If you don’t feel you can be direct perhaps tell him you’ve seen a mortgage adviser and they’ve told you that the debt will be seen as your debt and will affect how much you can borrow.

Years ago I saw something on TV about a chap who was donating part of his lung to his sister. The doctor he saw said that if at any time he decided he didn't want to go ahead he would make up a medical reason why he couldn't undergo the procedure. Guarantor loans could do with something similar for when people feel they're being pressured.

DCFC79

Ive caught the thread too late so may be copying a previous post.

I wouldnt lend the money unless you can afford to lose it.
She might not decide to stay here, do a disappearing act once she gets the visa or even once the child is born.

Luckily the OP has said the friend has met her so knows she is real, I wonder if she was the 1 he was actually chatting with.

user1168934

Are you for real? You have got to be out of your mind to even remotely consider doing this.
None of this is your problem, stay well away from it. In fact, I would stay away from this person completely. He is only going to drag you down sooner or later.

user1168934

cymruchris wrote: »

Tell him that as you're soon going to be applying for a mortgage - a guarantor loan is seen as a negative on your credit report - and that it may restrict the amount you can borrow, and potentially affect the rate at which the mortgage is granted, so that at this time you're unable to take it on, but hope he can get it through his own commitment to overtime....

Apologies, but IMO this is bad advice.


I would not tell your "friend" anything that would give him the idea that you have funds available in the bank (i.e. mortgage deposit). Rather than asking you to be a guarantor, he might just ask you for the money itself :money:

quirkydeptless

MSE right now...

AnotherJoe

shortcrust wrote: »

If you don’t feel you can be direct perhaps tell him you’ve seen a mortgage adviser and they’ve told you that the debt will be seen as your debt and will affect how much you can borrow.

Which. Is. Correct.