Mya Finance

Hiya girls,

Hopeing to get accepted for finance, been waiting years to have it done and never got around to saving for it. Need some advice…Do you think I will get accepted, I have had a store card for the last 3 months which i have used a lot to build my credit and have a phone contract?

Dont want to apply then get rejected…will bring my credit rating down and wont help at all!

x

Hey hun – to be honest the finance MYA use isn’t the greatest option… can work out quite expensive with interest etc. If you have a good credit rating I would try the bank first, then go to V12 finance (company MYA use) if the bank says no, worth a try as you could save so much money on the intrest rates. xx

or if you save like £1000 first you can pay no interest and pay the remaining balance off within two years-depending what your having done. I’m having a BA and this above is what i did xx

Hey hun, my Finance wasn’t accepted. Can’t understand why as I’ve never missed a payment on anything. I’ve ended up getting a 0% interest credit card which is probably going to work out a lot better as I won’t be tied to pay a certain amount each month, if I’m skint one month I can pay less and if I’m doing OK the next month I can pay more off xx

Becareful with that hollybol, i did that but it was only intrest free for so long and now im stuck paying it off and its going to take me ages! I thought i could do it while it was still 0% but it didnt work like that lol

I applied for the finance MYA used (first med loans at the time) and i was declined… i had a gleaming credit rating, excellent income… and i was declined… then applied with my partner as joint, good credit rating again and he had better income than me, and it was still declined!! I don’t understand it

Remember though – the more you apply for the worse it is foryou credit rating (no idea why) mine went down because i applied for so many loans in such a short space of time… even though i didnt actually take any of them xxx

When I first tried getting finace with mya I got declined with their first medical loans company as I only worked part time so gave up with the idea of having a ba then my pc rang me and told me they are now using V12, they accepted me straight away I just had to pay £500 upfront and the rest I’m paying £139 a month for 2 years 0% interest xxx

Thanks guys yeah i applied last year with my mum as a joint applicant and didnt get accepted but i do think my credit rating has got better since then. hotpants is V12 called V12 retail finance? i googled it and it looks like its for businesses or somthing lol.

No idea hun, they used first medical loans when i applied. xx

Also do you think it is worth paying that few hundred more for the natrelle inspira soft touch implants which help protect against capsular contracture and rippling and you also get lifetime rupture cover? Or are you just going for the cui implants?

hi hun i only work part time but i got accepted thru v12 finance i was amazed! xx good luck hope u get it x i just gave my pc a ring she done it over the phone there n then for me x u get an instant decision x

holly, how long was it interest free for? I have found one interest free for 15 months then i’ll be doing a balance transfer to another interest free card if it’s not paid off by then. If yours hasn’t started charging interest yet, give it a try xx

my advise would be save the lot so you can enjoy your new twins x

Mine was for 6months intrest free on a barclay card. If I pay the minimum payment every month now – it will take me 18years to pay it off!! I need to just save up and pay it in one go if I can. Can’t take out another credit card to transfer it to Lol x

Well good luck with it hun. Have you had your op yet? xx

gem, i work part time as well! So did you ask mya to apply for the finance for you through v12? did you save anything towards it? xx

No hun mines in 17days! I think I got declined as I’m self employed xx

I learnt the hard way, 8 months ago I applied for v12 im a house wife my husband earns a fair amount we own are house and have no debt at all, soooooooo I applied got turned down now I tryed to get a phone contract the other week to get turned down for that two so Im now confused as to why so I did that credit check thing for few pound turns out the v12 application was put through in my name but they had put the wrong details on it and have now destroyed my credit rating turns out the more you apply the worse it gets. Im getting my uplift and BA in 7 weeks iv saved the whole 5400 by walking dogs lol I no is funny and iv lost 3 stone with the walking lol

Oh god thats really bad! They screwed up your credit rating… I think I might check mine now to see whats gone wrong cos I cant get anything now either and my credit rating was sparkling!! xx

abbie, i just rang pc n asked about getting finance n she done it there n then didnt have to pay any deposit or anything, then was made an appointment to go in n sign finance forms n im in on 21st april for my op woulda been before hand but gettin married abroard in march x its not interest free tho! x

They took my details and now are saying they the application was put through 3 times by accident so now cant get a bit of credit so angry with them

sorry that this happened to you hun x

You can get them to remove it from your credit report though hun! I just been on experian and had a look – it says if you have disputes about anything on your report ask the lender concerned to remove it xx

FROM EXPERIAN CREDIT CHECKER:

There are a number of things that you can do to improve your chances of getting credit:

Make sure your credit report is accurate and up-to-date. If you disagree with anything in your credit history, you can contact the relevant lender, explain the problem and ask them to remove or amend the entry. If you are a member of CreditExpert we can help you amend certain items on your credit report.

Register to vote at your current address. Lenders use the electoral roll to check that you are who you say you are and live where you claim to live as a precaution against identity theft. Not being registered could have a negative impact on your credit rating.

Don’t make too many applications for credit. Every application for credit that you make will leave a search record on your credit report. If you have a lot of these search records over a short period of time lenders may think that you are desperate for money or take it as an indication of identity theft, this can affect your chances of improving your credit score. Visit the Lower My Bills tab of the member centre to try our new and exclusive service, which uses the information from your credit report to match you to the best deals. This means you’ll avoid damaging your credit history by applying for deals you may not get because you’ll only see the products you are likely to be accepted for, with the best rates for your credit situation.

tempted to call my pc now! what is the interest rate on it gem and how long are you paying it back for, 2 or 3 years?

17.9% apr so quite high hun but im payin over two years 170 something a month x i no its not always ideal n it is a pain having to pay interest this is my dream soo to me its 100% worth it xx you can do it over 2,3 or 4 years i believe x

What is the criteria for credit from this company? X

so if you have bad credit wont they accept you??

I know its wat usually happens but just wondered as i heard a few people got it when their credit was bad aswell

x

With First Medical loans, it was intrest free if you paid back in 12months… the intrest rate was variable too so went up or down according to the bank of england… so i’d check that V12 isn’t the same xx

im not sure hun this is the first time ive ever had/applied for credit xx

my credit was good… so was my partners and we were both declined… im self employed – i think this was the problem. its also more difficult if you work part time x

Thanks Holly hotpants such a cool name lol x

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