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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

Original poster

to be totally pissed off

23 replies

mummysgoingmad · 17/05/2011 17:57

I applied for finance for a car only to be rejected. I need a car for lots of reasons i.e. family stay miles away and can take up to 2 hours to get to see them on public transport, we get there and its pretty much time to go again so we can get ds home for a suitable time. It brings out the best in ds ( awaiting autism assessment) no moaning no battles overall far easier to deal with, and i start the mental health nursing degree in september. A car would make my life easier in regards to getting to and from placements and uni.

I have asked my family for help but they cant, which is ok i accept that other people have money problems as well as me. they say save up but that will take me a year at least, by that point i will be at breaking point, i cant do another winter dragging my arse to hospital in a taxi if and when i take an asthma attack, the last time i spent £70 on taxis that was in 1 week.

It seems no matter what i do i can never progress and get the things i want and need.

I dont know why i was rejected all my finances are in order i pay everything on time.

Now i'm fully aware that this is ambu but please be gentle with me today, i'm not in the best of moods and i'm close to tears as it is

OP posts:
OldLadyKnowsNothing · 17/05/2011 17:59

Can you buy a cheaper car? You can get pretty reliable vehicles for £3k and under these days.

redexpat · 17/05/2011 18:01

YANBU. That does sound really upsetting and offpissing. Unfortunately I have no useful practical info for you. But sending sympathy.

ShatnersBassoon · 17/05/2011 18:02

Get a copy of your credit report. It will give you a better picture of what's going on, and why your application was rejected.

Original poster
mummysgoingmad · 17/05/2011 18:02

the car i wanted was £2985, i have looked into getting a run around for a couple of hundred but even that will take me into next year to save up for, and they are usually cars that don't look at all safe so i wouldn't feel safe travelling with ds.

OP posts:
tallulahxhunny · 17/05/2011 18:03

I have bought cars between 200 - 400 pounds which have done me for years, just make sure you get someone who knows about cars to look out for one for you, or to check one over for you, most of mine came from ebay and gumtree and i have been pretty lucky with them all so far :)

ratspeaker · 17/05/2011 18:03

I'm sure I read somewhere that if you have credit cards with nothing on them that counts against you as you have access to a whack of credit. Cancel all cards you don't use
It also may be worth running one of those credit checks on yourself, there may be something you don't know about or can fix

Have you tried a personal loan from your bank?

Original poster
mummysgoingmad · 17/05/2011 18:09

I contact experian months ago to do a free credit check but they wanted me to send 2 documents with my name and address on them for some reason. Although they are a reputable company i felt a little uneasy about sending them letters i have with my name and address on them, most of the letters i have are official ones from hm revenue and customs or the council.

I tried getting a loan in feb but was rejected.

OP posts:
ObiWan · 17/05/2011 18:11

Are you on the electoral role? THat might explain the cedit and Experian problems.

ObiWan · 17/05/2011 18:12

Not being on the electoral role might have an impact I mean.

Selks · 17/05/2011 18:13

Could you get a bank loan? It might work out cheaper than car credit finance.

ObiWan · 17/05/2011 18:13

Electoral roll FFS Blush

trixie123 · 17/05/2011 18:17

experian will want ID before they release a credit report - not sure why you would not want to supply them. Without knowing your credit history you are not going to be able to understand why you were turned down. Whatever you do, don't be tempted to go to one of these 2000% loan companies or anything like that.

SnuffleTurtle153 · 17/05/2011 18:19

Experian are a reputable company. They wanted your ID because otherwise anyone could call up claiming to be you and get hold of personal information that could be used for identity theft. If there's any information in the letter/s you send that you don't wish them to see then blank that out with a marker. They just need to see that you are you.

NoCarbsBeforeMarbs · 17/05/2011 18:21

I'd second the run around idea, if you could possibly scrape enough together (get some breakdown cover for peace of mind)

Be careful applying repeatedly for credit though, as every search shows on your file.

One other thing, is there anyone you are close enough to who would either guarantor it, or put it in their name?
XHs mum did this for him once.

Hope you can get something sorted out.

Original poster
mummysgoingmad · 17/05/2011 18:22

yes i'm on the electoral, i think i will have to bite the bullet and send some letters in. Its just the letters i have contain sensitive information, and i was a bit wary about sending things like that, everything else i do paperless.

No i wouldn't go for those get money fast sort of things that would cause more problems that having a car would fix.

OP posts:
NoCarbsBeforeMarbs · 17/05/2011 18:22

Sorry ignore last bit, just noticed you'd already asked family.

BluddyMoFo · 17/05/2011 18:25

This reply has been deleted

Message withdrawn at poster's request.

ImADinosaurSoRawrAndStuff · 17/05/2011 18:29

mummysgoingmad
Me and DH bought a car in April for £350 - fab condition, MOT and Taxed. No problems as such all we have had to do is change an air pipe which was £6 from local Vauxhall garage. If you look on Autotrader you can get some good cars for £500 and less. And for your comment about 'not feeling safe' Why not ask a garage to take a look round it for you if you buy it or if you know someone who knows cars well, take them with you. Always:
check the oil, make sure there is no 'mayo' under the cap,
check the break disks,
check the heating works,
check the electrics work
check the tyres for bumps and cuts
check for rust - surface rust can be sorted.

ImADinosaurSoRawrAndStuff · 17/05/2011 18:30

We got free AA breakdown and roadside assiatance with our insurance when we signed up. Lots of insurance companies also do the free mot testing with insurance - so look for them too.

cricketballs · 17/05/2011 18:53

get your credit report - the documents that you can send can just be a phone bill etc. They just need official documentation to prove who you are, they do not read into how much your gas bill is.

If you pay your bills etc on time and have a regular income then you need to find out asap why finance was turned down incase there is something on your report that is incorrect.

tiredgranny · 17/05/2011 19:10

when u start uni u can apply for access fund if no funds befoe

cricketballs · 17/05/2011 19:16

also, there is a chance that is DS is autistic then you could get full help getting around mobility which means that you can take advantage of a mobility car.

Snuppeline · 17/05/2011 19:21

Just wanted to add to the good advice here that there are social lending websites. Can't vouch for any of them as I've never used before myself but some of their names I gather (from a google search) are "rate setter UK" and "Zopa", you can check their reputation on Lovemoney.com and Moneysupersaver.co.uk. You may be able to get a small loan that way instead of going through the normal finance routes. Interest rates may be much better too. Might be worth checking out anyway. Hope you get the money and a car. Good luck!

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