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  • lloydjones
    replied
    Re: Things looking up???

    Originally posted by jen_br View Post
    Hiya well firstly the mrs would have a financial link to you so this is no good. You want to go with someone like manx finance who are subprime. Are you going to main dealers? If so explain your circumstances as they will offer you advice on people who lend in this circumstance.

    However multiple application and denials are never good.
    Thanks for the reply. I had a look at the Mrs' credit report and she too has two defaults within the last three years: Aug 2011 and Oct 2011 so there was little chance of either of us getting the car credit we applied for. Best we wait until Dec 2014 or Jan 2015 before we apply again.

    Yes, it was a Nissan main dealer we applied at.

    Leave a comment:


  • jen_br
    replied
    Re: Things looking up???

    Hiya well firstly the mrs would have a financial link to you so this is no good. You want to go with someone like manx finance who are subprime. Are you going to main dealers? If so explain your circumstances as they will offer you advice on people who lend in this circumstance.

    However multiple application and denials are never good.

    Leave a comment:


  • lloydjones
    replied
    Re: Things looking up???

    Originally posted by nightwatch View Post
    PM her to see if she can give you any info
    PM sent

    I had a look at my credit report and I'm not 3 years clean, 2 defaults within 3 years: Aug 2011 and December 2011!

    Leave a comment:


  • nightwatch
    replied
    Re: Things looking up???

    PM her to see if she can give you any info

    Leave a comment:


  • lloydjones
    replied
    Re: Things looking up???

    Originally posted by Deepie View Post
    jen_br
    I've had a look at the user's posts but I can't find anything about car finance. Can someone post a link please?

    Thanks

    Leave a comment:


  • SA Gold
    replied
    Re: Things looking up???

    Originally posted by Deepie View Post
    jen_br
    Ah, yeah, cheers Deepie

    Leave a comment:


  • Deepie
    replied
    Re: Things looking up???

    Originally posted by missy View Post
    No defaults, yes mate. Late payments don't help matters but if its gone for manual review someone will make a decision.

    I believe one of the AAD members has a link with Car Finance and may be able to point you in the right direction. I'll post back if i can remember who, or someone might beat me to it.

    Cheers
    Missy
    jen_br

    Leave a comment:


  • SA Gold
    replied
    Re: Things looking up???

    Originally posted by lloydjones View Post
    No joy with the wife's application either, referred then declined ��

    3 years of being good? Does this mean no defaults, missed payments etc?
    No defaults, yes mate. Late payments don't help matters but if its gone for manual review someone will make a decision.

    I believe one of the AAD members has a link with Car Finance and may be able to point you in the right direction. I'll post back if i can remember who, or someone might beat me to it.

    Cheers
    Missy

    Leave a comment:


  • nightwatch
    replied
    Re: Things looking up???

    sorry you are having no luck with the carx
    I have just been sent an application form from Cap one for their pre approved cards, funny thing is we have 4 old accounts with them that have gone down the UE route, was wondering weather to apply and see what happens?

    Leave a comment:


  • lloydjones
    replied
    Re: Things looking up???

    No joy with the wife's application either, referred then declined ��

    3 years of being good? Does this mean no defaults, missed payments etc?

    Leave a comment:


  • SA Gold
    replied
    Re: Things looking up???

    Originally posted by lloydjones View Post
    I'm not quite sure if I'm 3 years clear? The application was not instantly declined but was referred, then declined. Luckily there was a rep. from RCI Finance at the dealership today and he called to see why it was declined. He couldn't tell me why directly but when I suggested past defaults he nodded! Applying again in the wife's name tomorrow - fingers crossed!?!?!?!?
    Main stream credit want to see you have been a good boy for three years mate!

    Fingers crossed for the Mrs application tomorrow mate

    Let us know how you get on.

    Leave a comment:


  • lloydjones
    replied
    Re: Things looking up???

    I'm not quite sure if I'm 3 years clear? The application was not instantly declined but was referred, then declined. Luckily there was a rep. from RCI Finance at the dealership today and he called to see why it was declined. He couldn't tell me why directly but when I suggested past defaults he nodded! Applying again in the wife's name tomorrow - fingers crossed!?!?!?!?

    Leave a comment:


  • SA Gold
    replied
    Re: Things looking up???

    Originally posted by lloydjones View Post
    Hi,

    Applied for a PCP with Nissan today for a new car and was declined :-(
    Gutted. Do you have 3 years clear? Did the person applying for finance tell you why it was declined?

    Leave a comment:


  • lloydjones
    replied
    Re: Things looking up???

    Hi,

    Applied for a PCP with Nissan today for a new car and was declined :-(

    Leave a comment:


  • SA Gold
    replied
    Re: Things looking up???

    Originally posted by lloydjones View Post
    I called. Application approved with £1000 limit!
    Nice one Lloyd, as you say; things are looking up mate! Whats the plan then give it six months and personal loan for a new motor?

    Cheers
    Missy

    Leave a comment:

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