Need Financial advise :( £ is making it soo hard!

So I was already to have my operation with another clinic. Who up until 3 weeks ago were using 1st medical loans. My deposit was paid/met surgeon/date booked. They then move loan companies to v12 where you cannot have a guarantor. I was devastated they had not told me they were changing as my credit is awful- So shock horror I was declined. with my operation only being in a month. Now is not happening I am sooo upset . Has anybody using 1st medical loans had bad bad credit but been ok with a guarantor? I have to start from scratch again and wanted to use MYA but only `if i know I will get the finance?

MYA now use v12 hunni so I think you will be in the same situation but if you go on the Internet there are slot of loans cOmpanies that offer guarantor loans so you might be able to get s loan through a different company and then pay the money to MYA x

Look up a company called everyday loans hun they offer guarantor loans xx

Or will your guarantor not take the V12 finance out in their name and you pay them the money? MYA and V12 let you do that I asked before I applied. You could get your guarantor to apply for the finance then you set up a direct debit so that your money goes into their account a few days before V12 take the money out of their account. That way they’re still not paying anything your just using their account as like a go between and they should be accepted for the v12 finance xxx

Thank-you girls.I have been so upset all day looking into all options. My guarantor is my dad- However the issue I have is my mum is really against the operation so he cant put it in his name because then my mum will find out as they have joint accounts. It is so sad because the main reason for my operation is to have the uplift as my boobs are just horrific after a stupid food disorder I had when i was13 which has ruined them. my mum just doesnt understand one bit. I have wanted this done for years and am at an age where I can afford a finance and I cant do it. I will look into that company. xxxxx

i had the same problem was meant to be coming out my mums account they then said no they wanted another person on it so my boyfriend went on it, they said they accepted everything fine to then find out they didnt, and then wanted me on it wow messed me up for abit but sorted everything now so theres me my mum and my boyfriend on it and its coming out of his account, hope everything goes well for you xx

Im glad everything worked out hun xx who did you use as your loan? xx

with the new load company you dont need a ‘garutor’ but if you are not accepted someone in ur family (with better credi) can apply on ur behalf and u pay them back xx

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