I’m soooooo fed up! Booked for my op 11th jan with Mr Traynor, and struggling to get the last 1000 my BF is off work sick, not the best time right before Christmas and can’t be helped, feel really selfish moaning over money for my boobs as we have 2 kids aswell but was sooo excited finally be getting them done and then all this happens 😥 my BF even offered to get me the remainder on finance from V12 but they won’t lend any less than the full amount which I think is stupid!!!!!! Just thought I’d come on here and have a moan as feel like a selfish cow going on about it to my chap when he’s stressed enough about being on sick ! Gonna work my little bum off at work from now until Dec 21st when it all has be paid and hopefully I can get it all!!! Thanks for listening girls
awww cutiepie it will all turn out ok in the end im sure…. and you moan anytime we all been there… it will happen for you .. x
Why don’t u borrow the full amount, then as soon as the payments start, pay off all that money you have saved up therefore only having a 1k loan to pay off? X
Thanks Joanne, I know it’ll be worth the wait, just soooo frustrating when I have nearly all the money , feels so close but yet sooo far!!! A miracle may happen and I may come into some money!!! Thanks for replying hun xx
how about money for xmas from family rather than presents, might not get all but every penny counts…x
Hi Ememz,
I’ve already paid 1900 to mya, from a credit card so don’t need the full amount wish I’d have known coz I could have done that
x
Hi Cutiepie
I’m probably wrong, but I have my date booked for the 7th Dec, was going to pay half up front and put the rest on finance, my pc said that there wouldn’t be a problem, have you spoke to your pc about your situation? Another route, spoke to my hubby on this (he thinks he is good with money…………..lol) but a good point anyway, can you not take out the full amount on credit and then put the money you’ve saved into a separate account for the payments to come out of? (which may earn you a little interest too). One other thing my hubby also said it he thought you could take out the finance but then pay a chunk off it immediately (i.e. what you’ve already saved). Apologies if I’ve got this wrong xx
Hi ChrissieJ, if I’d have known that the finance company would only lend me full amount I could have done that but I’ve paid 1900 off already by credit card and saved a grand , but supposedly the finance company mya use Wont let us borrow a grand!???? Why I don’t know ??? Could have got round it like u said by lending it all then paying a chunk off but messed up paying the 1900 to Mya! Grrrrrrr 😡 xx
Hi Cutiepie, have you spoken to your pc about this as I was going to do what you are doing and was told it wasn’t a problem, don’t give up, it will work out
xx
Hun I had such a stressful time in the last few months with the finance side of things I know how you feel it made me sooo depressed.. I have no credit rating so got refused everything! then finally Tescos loaned me £3000 and the rest family helped. you will get there in the end even if you have to wait a little longer. i know its not what you want but the wait is better than never having it. xxx
Hi Hun I was going to do the same as u and borrow £1k from v12 I’ve since read alot of bad things about them as a credit company they don’t like to five credit to those who CAN afford repayments as they want to make money and for good borrowers they r throwing in hidden costs. I don’t recommend even trying them as if they search ur credit report it will leave a credit footprint and make it even more difficult for u to get the money.
Go on moneysupermarket.com and compare 1k loans aswell as credit cards (purchase). Remember the best deals r only for people with really good credit scores and who meet their target audience for who they want to lend money too so it could be worth opting for one with a higher interest on failure to meet repayments as theyllbe more likely to accept u. And then just make sure u meet ur payments as agreed
Hope that’s helpfulxx
Hi, thanks all for your advice, and vikki that makes sense about v12 youd think they’d be more likely offer you the money if it’s only a bit! But obviously not. I’ve already applied so it will be on my credit rating = ( I’m not gonna apply for anymore credit now and see how much I can save them if need be will apply just before money’s due x
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