Things looking up???

[lloydjones]

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.

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.

[jen_br]

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.

[lloydjones]

Re: Things looking up???

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!

[nightwatch]

Re: Things looking up???

PM her to see if she can give you any info

[lloydjones]

Re: Things looking up???

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

[SA Gold]

Re: Things looking up???

jen_br

Ah, yeah, cheers Deepie

[Deepie]

Re: Things looking up???

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

[SA Gold]

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?

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

[nightwatch]

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?

[lloydjones]

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?

[SA Gold]

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!?!?!?!?

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.

[lloydjones]

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!?!?!?!?

[SA Gold]

Re: Things looking up???

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?

[lloydjones]

Re: Things looking up???

Hi,

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

[SA Gold]

Re: Things looking up???

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