Paying Started by: charlie87

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.

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

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!

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

Thanks x

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:(

cheers charlie.

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.

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