first medcal..how long does it take for them to send out ur forms to sign?

..once youve applied for the loan and agreed it can go ahead?? x

Once they’d agreed i could have the loan i had the papers within a day or two and then when i sent them back signed with my payslips, bank statements etc it took about three or four days for them to come back and say it was all finalised, hope that helps? xx

hi hun, i got approved in 24hrs then as soon as you tell them the term you want loan on they send that day so mine were sent today and siad i will get tomrrow xx

hi hun, i got approved in 24hrs then as soon as you tell them the term you want loan on they send that day so mine were sent today and siad i will get tomrrow xx

ok thanks only asking cause im wanting for it to all be finalised by end of august so payments will start coming out around end of september, so just wanted to kno if i needed to apply for it a few weeks b4 then so id kno id defo have the paperwork but if its done in a few days will be fine x

I’d give yourself a couple of weeks and that should be fine, you can specify a date on your direct debit form for when you want the payments to be taken, i just wrote mine at the bottom of the form and it was fine xx

suzy p can i ask ya a question, getting my forms tomorrow they say and gta send all bank stmts and pay slips back, is there anything to stop it being finalised or going thru ok? just worried as obviously its apprived in principle until its all recieved, just worried, stressing lol xx

Well i thought it was all done and finalised and that the payslips and bank statements were just a way of confirming who you are and that you earn what you say you do, that’s what the PC told me anyway! but then my mum and me both got calls (she’s my gaurantor) asking what certain things were on the statements and asking what account my rent came out of etc….i really pannicked and thought they wasn’t going to accept it because i’m always in my overdraft and so is my mum! My PC called me the next day and said it had all been agreed! So it was panic over, i wouldn’t worry about it though hun because like i said i’m always in my overdraft and spend lots out of my account so if they accepted me then i’m sure you’ll be fine xx

oh didnt think you had to send all statements etc what if they look and say no wen uve booked at date arrgghh! x

so if i apply for it and of august sign say 29th and send it back give it a week or so and i should have probs heard if its been finalised shouldnt i? just trying to work it all out do that my payments are sorted 21days b4 op u see cause think thats what they ask u to do. so knowing wat uve told me should be ok to book any date last week in sept thanks x

If you get accepted with first medical i don’t think they are bothered about getting paid 21 days before the op because first medical pay them the day before. You can apply with first medical and if you’re accepted the quote lasts thirty days so if you’re worried just apply the month before, it takes a couple of weeks to sort out anyway and then you’ll know that everything is OK and you won’t have to worry about it…. You’ll be fine don’t worry! Speak to your PC, they call first medical for you and sort everything out if you like.

Are you relying on the loan completely for funding it? xx

laura u can apply for it now, first medical dont pay them until like the week before your op anyway so your re payments wont start til mya have the money, xx

I’m not sure if she can? I think the quote only lasts 30 days so if you apply now it might not be valid and when i spoke to first medical they said that payments start within a month of the loan all being agreed. My first payment came out last week and haven’t had my op yet…. probably best to just give them a quick call and find out, can’t hurt. They are really nice people there, don’t think it’s a big office, you literally call, the phone rings and someone picks up, not like a huge call centre where you sit on hold for ages and have to press loads of options before you finally get through to someone! xx

oh really luckily im hoping to get it may anyway, cheeky of them tho innit.xx

Yeah…. i might be wrong but that’s what the guy told me at first. I thought it was a bit rubbish but i was so excited to be accepted that i didn’t care! At least it’s one payment down i suppose! xx

Hiya erm im putting down £650 deposit to mya and borrowing £3200 i rang them last month and asked for £2900 originaly (i was gunna put a bigger deposit down but cant afford to) and they sayd yes providing i had a guarentour, so my step dad said he would do that, cant have my BA til sept anyway cause i have to finish paying for my car til then ive spoke to my PC today and shes said im best off waiting till nearer the time and applying then x

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