Declined for finance through MYA

SOOOOOOOO ANNOYED!!!! Ive been declined for finance through MYA and I don’t understand why or how! I have a full time job, according to credit experian my credit score is “excellent”, I have an overdraft which I manage, credit card that is paid off in full every month and had a down payment!? Ive applied with Hiatchi finance company now but that has been referred to underwriter so I wont hear a decision on that until tomorrow at some point! I just needed to vent and have a rant somewhere! I”m determined to get my BA and if I have to go with the piggy bank and save save save thats what I’ll do just so frustrating when I can make the finance repayments so easily!! Has anyone else had this?

Yes! I had exactly this with all the same circumstance as you (full time job, credit card, overdraft). Hitachi will accept you I’m sure. That’s who I went with in the end. Don’t worry xx

Ah I really hope so I couldn’t believe it when I got declined! Im worried about Hitachi though as the result took a while to come back and then with the decision “referred” I cant see that being a good thing! :/ did Hitachi approve you immediately Lucy?xx

Hey chick my credit with exp is excellent to all cards n other stuff are payed on time and so on but every now n again I get kick back somtimes and partner said its depends on where the company goes for your Scoreing if it’s not exp y don’t u try your bank this will work out cheaper xx

Yeah I was thinking the same Alex! Only think I dont want to do is actually damage my credit score by going different places for finance, I might make an appointment with the bank tomorrow xx

The best thing about u bank they know who you are see wot comes inn and gose out from month to month could even call the bank and do it over the phone or apply on line if u have on line banking who u with ? You be fine huni as it comes off n a few months xx

Alright calan it happend to me. And I also got my husband to do it not with mya thou. I was sooo pissed so I got a bank loan for the Extra cash and went with mya and got a better deal as I’m paying cash. I got the money within a week. But only coz I done it online. If u go to bank they will give u it there and then I think as my mate done that.

Yeah I was well shocked as I done 0 percent finance with my first ba. And like u credit is perfect it really got me down. But defo go with bank will work out better aswell ive saved myself sooo much money doing it that way.

No I got referred with hitachi as well, it came through the next day. It just means it needs a bit more info. You’ll be fine don’t worry I was totally stressing over it as well. I found my bank loan wasn’t as good a deal as hitachi xx

Thanks everyone! I’ll let you know how I get on xx

I got declined for MYA Finance aswell. So annoying! I have now been accepted for a Tescos loan- borrowing 5k and have to pay back just over 6. I dont really mind because i want a BA SOOOO BAD! what is Hitachi? xx

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I’ve never had a loan or credit card but I’m in arrears with gas and electric company’s etc , should I still try and get on finance ? I’m so clueless to it all xx

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