just bin declined loan for BA(said it was for a car) absolutely gutted!!my hubby had bad credit from before we were married and now it seems to be haunting us.i'll just have to save like mad or come up with a 'cunning plan' lol(not really laughing am now very grumpy indeed)anyone got any ideas? x

My patient co-ordinator put me off applying for their interest-free 12 month loan because she said that market conditions meant a lot of people were being turned down. In the end, my boyfriend, who on paper looks like a much better credit bet than me, took up the loan and it was accepted. My plan B was to apply for an interest free credit card - Barclaycard are currently doing a 9 month interest free on purchases.

Good luck.
Georgina

best thing to do is log onto www.experian.co.uk and get a copy of your curent credit report, this will show a score out of 1000 (0 being crap, 1000 being awesome). it will give you an indication of where you stand getting credit and helps you sort it out for the future.
the more you apply for loans and get refused the worse it looks on your report so please look into it before applying for more credit and ruining your report!!

Hi

I had the same problem as you, couldn't get a loan anywhere (apart from the company's who's apr was stupid, i.e. 60%).

As a last resort, I tried my bank. I don't know why I didn't think to try them in the first place!). Anyway, have got a loan for half and a credit card for the other half both through my bank.

I did have to go into my branch and grovel a bit but my ba is now booked for the 19th August!

I hope you manage to find somewhere willing to give you a loan x

All the best
Lou xx

i feel your pain a bit, i have not yet applied for the loan as i want to save a bit towards mine first but will be applying for a loan in a bit, and also say its for a car
is a second job an option?
i want my BA now like you, wish i had the money, would get it done tomorrow
xxx

Hi, i had a ccj a few years ago, could not get any credit! Was a nightmare, but then i applied for Capital One card, try that! They gave me credit when everyone else said no! ( slightly higher interest, but soo what! )
I know how much you need! yes need your ba!

Good luck.

Alex xxx

Hi, i was declined loan through mybreast, gutted! especially because their APR has
been reduced,so i went to my bank and applied for credit card got it straight away,
10months 0% interest, so will try and pay it back has quickly as poss. Hope its all worth it

x

A lot of the meical groups offer their own finance, but you dont need to take them up on their offer paying withing a short period of time to get the 0% interest, just ask for how ever long you want it.

Rachel

I had same problem, so saved up and went to Belgium to Wellness Kliniek. BA cost £1600 and I would recommed it to anyone. I had nipple incision and im now 16 days post op and have no scarring at all! If you would like to see my pics or want any info regarding the clinic just PM me.

Carmen x

Hey,

Have you tried Elyzea for surgery? I had anatomicals so slightly more expensive but at Elyzea it's more affordable than over here for surgery. Mine BA cost £2,460.

Failing that some companies do offer finance but it is whether you want to go down that route.

Good luck!

Stace x

Hiya,

Im in the same position - Ive been declined for LOADS because Im so eager to have it done which has obviously affected my credit rating!

HOWEVER!!! I applied for medical finance, and they rang me today, and asked a few questions like where I would be having my surgery, and my wage. Because of my income they said if I could get someone to do a joint application with me they would get to processing my application - which I shouldnt really get my hopes up about but they make it sound good dont they?!

Just gotta butter my boyfriend up...Might take him out for dinner in a minute!!

If not though, its the saving route for me. : (

Rubbish!

Best of luck!!

xxx

many thanks to you all for replying-it does help knowing that i'm not the only one.think i'm going to try my bank on monday,i don't work(i have 3 young kiddies-1with special needs)but i do have money going into my account regularly so maybe there's some hope. X

I got a loan to clear my credit cards as bank offered lower interest, i tried to get a top up for BA (car!!! haha) but they said no!!! Now i notice i have run the cards back up so i might as well slap my BA on one of my cards and then keep balance transfering as nearly all my cards offer a promotion of 0% on transfers and i will just keep shifting it around until its paid off