First medical WHAT A LOAD OF CR****!!

Applied through these for £5000 with a joint application cause I knew mine wasn’t strong enough, and my dad who went on with me has a great credit history, I earn £1200 -£1300 after tax and my dad earns about the same prob a little more. So today I get a phone call from FIRST MEDICAL LOANS asking to confirm a few details after meeting the criteria, Q.both Renting tenants, job title ect. Q how much I needed as wasn’t on the original application I said £5000 over 2years! Ok that’s fine. She said gonna put that through for you now and call you back in 10-15 mins. So after waiting 45 mins I get a call from them saying, sorry your application was DECLINED cause my dads score/ criteria didn’t meet there expecations! I said I don’t know how as he has a sqeeky clean credit , no I’m sorry it isn’t she said.! So I get oh the phone and I phoned back 10mins later and spoke to someone else asking how and why! they said anything over £5000 had to be done by one of us being a HOMEOWNER??!!! What??? If I had knew this I would not have applied and secondly I have now and dad been credit checked under false information, no wonder we were declined cause we hadn’t matched being homeowners!!!!! Yet the lady I spoke to first knew this and knew we were renting tentants so why the he’ll did she put it through and why didn’t she tell me!!!! Sorry guys for long story but be warned!!!! My op is booked for 6th April and now have no choice but to cancel!!! So annoyed . X

Can your dad get you a loan from his bank hun? So sorry you have been messed about.

Prob not so soon as 2credit searches in 2days does not go well on credit. Just annoyed they put it through knowing we wasn’t or tellig us we had to be homeowners. Absolutely gutted! Never had so much drama over one thing before. X

Hi gemini1987,

Sorry to hear about your situation. Have you been in touch with your PC? will you lose you deposit too?

I applied with FML’s too, I met all the criteria, only wanted 2700 too, an they said as I’m 19 (states over 18 on mya website) I can’t have it. No one else in my family meet all the criteria so I can’t go ahead now. V12 loans seem a hell of a lot better! Wish they hadn’t pulled out from them! I’m so gutted, op booked for 16th May an now gunna have to wait till next year, so can save up it all an have them done in my holiday from work… I can only have holidays May June an July xx

Pc off but have spoken to Mya, haven’t put deposit down was paying some on Monday. Have booked holiday for both jobs and boss paid for another nurse to cover me already as has to be paid through an agency ((( x

ahhh girls I’m really sorry to hear this. why are these guys so tough? have you lost deposits? x

Shell1104: im so angry with them, the lady could have stopped it going a head instead of being declined! Of course I’m gonna get declined cause my information she asked for isn’t what they want. All this is to much for me, I know it’s not mya’s fault as they haven’t been told this either! Really wanted this done with Mya but now I can’t see that happening as can’t get the money before op. Could save but I want these old ones out now, not happy nor confident with current ones  x

Oh no, I’m sorry to hear this. I don’t hold much hope for mine getting approved now x

Same with my person I suppose, she obviously knew u had 2 b 21 to pass it, an still let me carry on, go through all the hard work of having to find a scanner an a fax machine 2 borrow as I was worried post wouldn’t get there in time.. An them turning me down. I’ve given a 400pound deposit nd I’ve just text my PC asking for it back an I’ll just have to wait an see. If I’ve lost my deposit I think I will actually scream! So upset. Fml’s obviously have no idea how high they get our hopes when they let us apply! Horrible people!!! Xx

Was it some one from medical first loan u spoke to?? Do u remember her name??? What amazes me the interest is so high , high as a bad credit loan ect but yet they want Higher expectations? ?? X they hvent made this easy for any of us! And I feel let down for being mislead or someothing I would never have applied for ie homeowner credit!! Dont know what I’m gonna do but don’t look like I’m gonna be able to go ahead with Mya which is gutting as I have faith in them and Singh! just poor quality finance company that don’t know there own terms and conditions! X

Couldn’t agree more. Didn’t catch her name no, she wasn’t 2help ful tho! I’m gunna have to wait another year now! Which has well an truely p**sd me off! Went last year an thought I had no hope of finance coz I was 18. Wish I had done it now as I’d of probably had more chance of getting accepted with the old company! I wonder if anyone has actUally been accepted?? Signh all the way xx

Same, she was trying to say it was that lack of score for my dad, but rudely! Cause she knew what she had done was wrong! I don’t know what I’m gonna do, I’ve just spoke to my bank this evening about loans but they said if I have been checked more than once in just a day or 2 it would go against me applying for a loan.  so I’m pretty p**ssed of that it was an unnecessary application xx

gemini – go to moneysaving expert and comparethemarket.com to find another option.. check your credit score also. MYA also have a piggy bank scheme where you pay money in o pay for your surgery .. another great option. take the weekend to check it out and your other potential resources.. good luck with all. what will be will be! x

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