 I make about $1200 a month and I live at home, but rarely have any money to spend. Any Tips? |
| Hello, I'm 20 and I live with my mom and I make about $1200 a month and I really want to save up some cash so I can buy a used car and move out of my mom's apartment and also go to college. ... |
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 Joint bank account? |
| hello, i had a joint account with my gf, and i took all the money out of the account for personal reasons without letting her know (not purposly), can she do anything to get me in trouble? some of ... |
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 Is there any easy way to make money Online? Anyways for lazy people? |
| Is there any easy way to make money Online? I'm too lazy? Anyways for lazy people? ;)... |
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 What makes the most money in England? |
In America I wanted to be an OB/GYN, but I have decided to move to England. What makes good money there? Like 150,000 to 500,000 pounds a year? Or however they pay people.
Josh;)
... |
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 What is the best way to throw away blank checks? |
| if i do not have a shredder and i wantvto throw out several boxes of blank checks that have my current account on the check. can i just cut out the account number and throw out the rest?... |
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 HELP IM ON THE clock!!!? |
Question 079
A decline in the price of imports or a rise in the price of exports will:
a. improve the terms of trade.
b. worsen the terms of trade.
c. have ... |
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 Can anyone suggest any ways for a 15 year old to earn some money? |
There doesn't seem to be any jobs apart from like, a paper round for under sixteens. Has anyone got any ideas? Just LEGAL things pleease (!).... :)
i'm in the UK by the ... |
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 England salary? |
Is it much to earn 2000 pound per month and have addition income from rent (lets say 500) if
1) you live alone
2) you keep a family (3 people)
Additional Details
Well, probably ... |
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 You have just been given £100k, what would YOU do with it? |
| Just interested to hear everyones views on this. Discussions I had today with my family. We rent and £100k couldnt buy a house but would be a good deposit, but would you use it for property, or ... |
|
 What is a cash-advance? |
| I am researching credit card information and they keep referring to a 'cash advance'. When I look it up it says: A loan taken out against a line of credit or credit card, typically imposing ... |
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 How to pay my credit Card debt? |
| currently I have about Rs.35000 Credit Card Debt. My monthly salary is Rs.15000/- and monthly expenses around Rs.10000/-. I want to pay the credit card debt at the earliest. Any tips?... |
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Spaz | Welcome Loans messing me about? |
I was so happy. Despite my previous money worries, I mamaged to get accepted by Welcome. The credit checks were done and I was accepted. They asked me to return proof of address and ID, payslips, etc, which i did. And now they wrote saying i dont comply with their criteria? Why on earth would they do that? I had the credit checks, they werent waitng for a fee from me, all the paperwork was in order and i had gone through all details with one of their advisers and now they wont even explain whats wrong over the phone? :( |
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Les T
|
To be honest with you i would say they have looked at your pay slips and other outgoings you may have and seen that you would probably struggle to make the monthly repayments and thats why they have said you dont meet the requirements.
Give them a ring and see what they say. |
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l h
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I used to work for Welcome. I take it you went into their branch office, as opposed to online. It's usually one of 2 reasons, depending on how scrupulous the branch is. 1. They may have rejected you because although you passed the (computerised) credit test, on reflection you couldn't afford the loan. They can see how much you pay to each creditor and the balance of your debt, so if it was a responsible branch (mine wasn't) it shouldn't lend to you. However Welcome branches do have targets, so if they really needed your business they'd probably ignore it. If, on the other hand they didn't need your business that month (eg if you did it round the busy xmas period) they could take it or leave it. 2. If you rejected their insurance policies (payment protection, life insurance etc) they would probably decline you (illegally) in order to meet targets. As a general rule you need to at least take out 1 insurance product for them to meet target. |
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hkomodo
 |
You may have some bad credit issues that they found out about after the fact. |
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Jennifer W
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I would think of it as a lucky escape mate, Typical 64.4% APR Variable!!! Holy s**t! That is beyond extortionate.
To answer your question, they may have at first approved it, then it has to be underwritten and this is when they recheck and can decide not to give you it if they think you are a bad risk. Please try be thankful though, you've had a lucky escape from these unscrupulous lenders! Everyone is finding obtaining credit difficult at the moment because of what is happening in the US, lenders are tightening their belts and panicking. Work on improving your credit score (you can see it at www.checkmyfile.com) and apply to a reasonable rate lender in 6 months.
Good luck x |
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Kristin
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Sounds like you were scammed, you just gave them all the info they needed to steal your identity and since they did a credit card check they know all your credit cards. I would be very careful and call up your CC companies and inform them. |
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MISS ******
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That's exactly what happened to me with Welcome Finance.
I stupidly got into more debt too because I thought I wouldn't pay my debtors as I was about to pay them off with a consolidation loan.
I was even told that the cheque had bean sent out!! It was only when I phoned them to say it hadn't arrived, did I find out that I no longer fitted their criteria :(
It's not right to be treated this way!!
Yes, we are at fault tobe in debt but who isn't these days? It's so easy to do and all we're doing is trying our best to get out of it. Paying one person a month is so much easier to keep track of than paying 10!!
Good luck in sorting out your finances :D |
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Irrational Man
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you are right...all of us on Yahoo Answers have mind reading abilities and know exactly why the company rejected you. I wouldn't do something foolish like call them and ask them why. |
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luckyshadow410
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they scamming you. they got all your info for free. |
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am_22_bel
 |
Welcome is the worst finance company ever. I had a loan with them once and they came in to my house when no one was there cause the seen the money and book sitting on my coofee table and helped them selves. I was in a neighbours house across the street and saw this. I would really not recommend them |
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boo boo
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you'll be glad in the long run, i've heard there a right rip off anyway, ring them & tell them to get stuffed! |
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davetherave
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Do what I did pal, write a nasty letter telling them,} This is the last time I will borrow money off you! |
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cant_find_anywhere
 |
due to so many recent changes in the credit markets, it is possible that the loan product you applied for is no longer available, or that the approval guidelines have changed since you made your initial application. in any event, you are entitled to a written statement regarding your credit approval or denial.
upon request, they must provide to you ( in writing ) what critieria they used to arrive at the credit decision.
you could ask a friend or financial advisor for a referral to a known financial company or lending institution where you can recieve better service.
lending companies are strictly regulated and your rights are protected by state and federal laws. if you feel you were treated unfairly or improperly, file a complaint with the ftc or your state financial regulator or both. |
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Bronco Fan 4 Life
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Did you have to give them any money?? |
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john the bronze
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huhhhh |
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nightowl
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welcome finance are absolutely useless! unfrotunately tho when you have adverse credit they can sometimes be the only option! as a customer tho you do have the right to be told why you were refused! i'd phone back and if they are being avasive then ask to speak to their customer complaints department |
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