finance

is it hard to be excepted for mya finance i have someone who is willing to be my garentour but i dont want to get my hopes up and they say no i have my consultation next week????

It all depends on your income and the income of your guarantor hun

First Medical are really friendly and helpful so you’re in good hands x

kaytee did you have to hve a guarentour? x

Indeed I did hun, I only work part-time so my Dad offered to be my guarantor

x

did you have to send his bank statements and wage slips etc or just yours? x

Both of ours hun, try not to make the same mistake as I did lol. I sent only my stuff off to start with and they needed my Dad’s as well so I had to pay like £11 in recorded postage haha.

x

cause i recieved my letter yesterday asking to send info and i didnt know if it was just mine or his aswell but il let him kno, hes just a bit funny with sending things like bank statements etc n he didnt have to show anything to be guarentour for my car finance so we wernt sure! but fingers crossed all will be ok gunna try get it sent bk to them this week x

and sorry daisy im just chatting away on ur post lol, when i rang up they asked that i was earing over £1000 a month after tax, was over 21 and have good credit, and if your self employed you must also be a home owner x

Laura …. Did your guarantor have to giv his debit card details aswell? X

No your guarantor doesn’t need to send their debit card details. Just the person whose bank it is coming out of.

Both of you would need to send proof of I.D bank statements.. and umm I quite remember what else? Lol x

3 months bank statements, 3 months wages slip, Passport. for both of you. He will need to sign the forms too which can scare the shit out of people as it say

“signiture of debtor two” xxx

thank you very much for your help every1 i am self empolyed so i will just have to send a bank statment and i onl have 1 i shred them once i have read them thankfuly 1 came today my garentour has a really good credit so fingers crossed i cant wait dose anyone know how long it takes after your first consaltation xxxx

You should def get accepted if your dad earns over £1000 a month and is a home owner …. As that’s the questions I was asked and I got accepted instantly ….I didn’t use a guarantor as I’m lucky enough to do both the above but there lovely at first medical loans and should tell you quite quickly xx

as well daisy it says if ur self employed you would need to send a copy of the earning for the year, my step dads given me a copy of the letter from his accountant with the earning for the year x

this forum iS really helpful i have just ask my accountant for a copy of my earning so hopefuly it will be done for my consaltation, i hope it all goes quick i dont want to wait any longer i hate waiting want them done now when are use booked in for xxx

not till 26th sept with helena, ive been waiting since feb tho thats then my consultation was so been on here a while lol! and i dnt think you will have to take all of ur loan things to ur consultation, im not sure i just rang first medical and they said everything had been acepted in principle, and then they sent me out the agreement to sign n then you send copys of everything back to them with the letters you hve signed, dnt kno if you had already applied or anything yet? x

oh thats along time to wait i hope i can get mine done befor christmas i have a consaltation with transform next week aswell so i will go an see whos best thsnks again for you help xx

i had to wait that long cause i was still paying my car off til next month lol, good luck with ur consultation x

thank u very much laura i will let u no how it goes xx

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