sad :(

So I got my mum to agree to sign for finance with me but now I’m not sure she is going to pass she earn around 900 has had a realtime good credit raiting till about a year a go but she is selling her flat this Friday and paying off her debts. She hasn’t had any red letters and isn’t bankrupt. Any advice plz

Bank loan? I was 19 and they gave me one, wasn’t the full amount tho but it’s something ? x

i’m worried i won’t get accepted either hun, my bf agreed to do the application with me..gonna do it saturday, he earns £1200 and i earn £600 cuz i work part time, have u got a job? u might get some finance but not the full amount xx

No I’m a student that’s y I’m doing it with my mum

I’m not sure of the full criteria for the finance company’s.

Its basically like a point scoring system

I do know that you have to be earning at least £1000 a month and you cant have anything against you like CCJ’s, outstanding debts, arrears all the usual jarg.

Mya have started dealing with 121 loans now and they are meant to be really good, you should give them a ring and see what they say. Ask your PC for the number and explain your situation in brief.

Hey ladies, wat if u r self employed with no fixed income? Those who passed did u have to bring in ur payslips? X

Hi bea. They need to see that you have an income of at least £1000. That is on their criteria list that you have to meet.

They made that very clear to me when i rang up.

I was very lucky that my family just paid mine off straight up for me as they didn’t want me getting loans and such.

http://www.mya.co.uk/finance

there’s some stuff about it.

Like i said though i would get the number from your PC and ring up

Thanks Laura! I just looked at the page and is the 10 month plan subject to credit check as there is no interest to pay? I would call but stuck at work!!

I’m the same as you we want to do the 10 month plan. You’ve got to have 50% of the deposit & earn at least £1000 a month. I was told on the phone for my first consultation that was the only strict criteria however i’m not a 100%. I’m appling with my boyfriend. I’ll let you know how i get on when i apply tomorrow. x

they do a credit check over the phone, its not mya its a separate finance company theres no showing your payslips or anything like that, i couldnt get it as i work part-time but my parents ended up paing for them, they are fairly strict so good luck

Thanks ladies. It mad how they want you to earn £1000 pcm but dont ask for payslip. Weird. The 10 month plan sounds good to me. Good luck rosaa with tomorrow x

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