Paying

Im only working part-time and not making much, how many diffrent loans did you apply for before 1st medical made the garuntor offer to you, just wondering wether it would be wort applying as dont earn much per month.

I need only

sorry about that
well if you aren’t working at the moment would your boyfriend apply for one
maube you should both try
i think the best might be first to try and get a credit card with the bank that you are with as that is how i got my first card with a

Ive been declined by a Ntionwide today:(
so u think the best option is to apply for a credit cards?
which company would you suggest?

hi kasia
i think you will defo struggle then if you only been at your new address for 3 months you won’t believe how much time at address counts (i never thought it did until i tried get a loan in jan wen i only been living at mine for 6 months. the only kind of credit i have ever been able get is credit cards which has always annoyed me because they are kind of similar to a loan!!
i was the same as you wanting to get it done ASAP.
me and my boyf went the manchester one for consult with the surgeon and then i went for a chat with my PC and she was like so you want to pay off two credit cards (i’d already asked her if i could)
and then she bought in the card machine i was a bit taken aback.
went out to my boyf and he said how’d it go and i was like well i just paid for them!! oops
so i got my appointment for the 1st june
Hopefully you’ll get something sorted

Laurajd28 – also not sure if you can pay with cash my PC said that they didn’t accept cash, when i asked about how to pay for the deposit so not sure about that, you cant really trace hard cash as a payment i dont think, but i not exactly sure!

thanks for your replay:)

actually it’s my bf who’s taking a loan for me cos I don’t work for now (I’m looking after a baby).

He has no credit cards but has one loan taken in January and had no problems with paying it. They offerded his

Hi,
Would I be allowed to pay some cash, and the rest on credit card?

Thanks x

Hi Kasia
do you have a credit card, beause to be honest they are the only way you will have a good credit score and high street banks tend to be very fussy when it comes to giving out loans they need to see that you can afford it.
Don’t apply anymore than say a maximum of 3-4 times or you will look very desperate for credit and no one will touch (that isn’t me just rambling, that is from actual experience)
i tried with the first medical loans and they rejected me and so i decided not to go down the loan path as it gets to complicated and some of them loan sites are scam artists.
I ended up having to paying for mine on two seperate credit cards half the amount on each and then hopefully if i can be careful with my money i will be able to pay the amount back in a quicker time and with less interest accumilated from it.
hope this helps a little

Hi
I went to my bank and they were very honest with me, even told me not to go with the aplication as I took a loan with them in january . They told me I have to wait till October to get another one with them:( It’s too long!

I’m going to try with another bank but don’t know if it’s going to work.

I was just wondering how many times can I apply in a short time before I damage my credit score?

I have a good credit history but don’t know my credit score. I was thinking to try with another bank and if it doesn’t work I’m going to try with one of the companies online.

How many times did you apply for a loan before you got one?

I’ve seen that blackhorse website and looks quite interesting so I think if I won’t get it with the bank it’s going to be my next step.

I’va got my consultation with the surgeon tomorrow and was hoping to pay a deposit and book my surgery:(

Hi,
Have you tried other finance companies such as , welcome finance, chartered trust (think it is call Blackhorse finance),Beneficial bank,HFC. As far as I am aware these lenders tend to be a bit more flexible as they have a range of interest rates they can use for each individual application depending on the credit score. You may have to pay a higher interest rate . Hope this helpsxxxx

well i found out last night that 1st medical loans its a joint application not guarantor so i dont think im going to go ahead with that now, the person who was going to be my guarantor has offered to lend me the money insted….but i did apply for loads before…cant even remember how many but my report showed that it had been checked about 20 times in the last 3 months, thats not good….if u go through FLM loans they ask for a guarantor that is over 23 homeowner and earning 800pm, then if u provide that they dont credit check u x

Hi Girls

I had a consultation on may 1st and booked a consultation for may 21st with Mr Adamo, im really excited but have been really down last couple days, I thought i would get finance or even a loan but im having no luck at all…..the finance through mya are saying i need someone over 25 earning

cheers charlie.

hi

well i applied through 1st medical loans and they contacted me and said i needed someone to do a joint application over 25 earning more then

Hi Charlie_87,
Did you apply for the loan throught 1st medical and was it accepted because i tried via sainsburys and they declined me, so just confused whats the best way to get the money now. The last thing i want to do is keep trying for loans from diffrent companies as it goes against you every time you apply for credit againt your credit rating.. Any ideas are welcome.

hi rk84
i think the interest rate was 29.9% which is high but they told me if i save up the money i can pay more off each month so it wont take as long to pay the loan off which means i wont be paying as much back
x

Hi Rk84

Well when i enquired about the finance from 1st medical loans beause i was asking for less then

Just a quick question Lauren-emily: What intrest rate did you get on your loan from hfc – i wa going to ask them but they had a really high rate: 39.9%????

Also Charlie_87: How does the guarantor system work… Because i dont have my own house but my boyfriend does so just want a bit more details before i ask him.. Im sure he will say yes…Well lets hope anyhow.

Thanks in advance ladies for your replies…

Really want these boobs now..

hey guys

tahnsk for your help

iv just had a complete angel come into my life, my mums amazing friend has offered to be guarantor so looks like i will be getting it done after all xx

hi charlie
i was declined the mya finance and also declined a loan through my bank
i got recommended to try HFC banking (beneficial finance) so i gave them a call and the guy asked me some questions and said he could give me the loan
i asked for

hey hun

I was in the same position as you not long ago, got declined a loan, had no one who would sign a joint application with me and didnt know where the money was gonna come from. Anyway in the end I decided to take a chunk of money out off my current account and use some of my student loan and really tighten my budget. No nights out, no new clothes, reduced my phone bill ect and mya are lending me the rest . If you want it really bad then its so worth cutting back on things like that and it might not take u that long to get the funds together. Good luck! xxx

hi charlie im having really bad luck also.I had my mum join my application and they still declined it,also i tried someone online that turned out to be a bogus company(carter&carter)and they emptied the bank account.So your not the only one feeling down hun.It seems that if your not in debt then you cant get any financial help at all.Hope something works out for you,good luck xx (im having to save will take ages)

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