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Author N e 1 work for a bank ?
Tommy
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Registered: 24th Aug 00
Location: Essex, Colchester
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16th Jun 03 at 07:24   View User's Profile U2U Member Reply With Quote

N e 1 work for a bank ?

Need advice on loans
Sam
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Registered: 24th Dec 99
Location: West Midlands
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16th Jun 03 at 08:00   View User's Profile U2U Member Reply With Quote
I don't work for a bank, but what advice do you want?
kinkycorsa
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Registered: 19th Feb 03
Location: Bristol
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16th Jun 03 at 08:20   View User's Profile U2U Member Reply With Quote
Yes i work for a bank > but not sure if i can give u advice > do life assurance/ pensions. Wot u wana know??
Sam
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Registered: 24th Dec 99
Location: West Midlands
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16th Jun 03 at 08:24   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by kinkycorsa
Yes i work for a bank > but not sure if i can give u advice > do life assurance/ pensions. Wot u wana know??


Have you 'adjusted' my bank balance yet?
kinkycorsa
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Registered: 19th Feb 03
Location: Bristol
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16th Jun 03 at 08:26   View User's Profile U2U Member Reply With Quote
i've told u Sam , this is a long and difficult process, applications are to be sent to me with full details of increase amts b4 i am able to process ur request. I apologise for the delay in responding.



[Edited on 16-06-2003 by kinkycorsa]
Sam
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16th Jun 03 at 08:40   View User's Profile U2U Member Reply With Quote
Tommy
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Registered: 24th Aug 00
Location: Essex, Colchester
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16th Jun 03 at 08:49   View User's Profile U2U Member Reply With Quote
I need a rough idea how much of a loan i can get if im earning X amount a year
Sam
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Registered: 24th Dec 99
Location: West Midlands
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16th Jun 03 at 08:50   View User's Profile U2U Member Reply With Quote
How much do you earn and how much do you want to borrow? Have you considered asking your bank?
Tommy
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Registered: 24th Aug 00
Location: Essex, Colchester
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16th Jun 03 at 08:51   View User's Profile U2U Member Reply With Quote
Its how much im going to earn not how much im earning
kinkycorsa
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Registered: 19th Feb 03
Location: Bristol
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16th Jun 03 at 08:52   View User's Profile U2U Member Reply With Quote
yes probably the best thing to do id book a meeting with a financial planning manager. They can do u a financial summary or sumfin which will look at what u can afford based on incomings and outgoings etc.

Who do u bank with. Cuz i no my bank ppl hav pre approved limits which means u can just ring up and they giv it to u over the fone.
Tommy
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Registered: 24th Aug 00
Location: Essex, Colchester
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16th Jun 03 at 08:54   View User's Profile U2U Member Reply With Quote
Im with Nat West im going to be fully employed where i work and just wondered how much of a loan i can get
kinkycorsa
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Location: Bristol
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16th Jun 03 at 08:56   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by LoudandLow
Im with Nat West im going to be fully employed where i work and just wondered how much of a loan i can get



just ring em up and ask is best thing, it will also depend on ur credit rating not just ur salary and how gd a customer u r. i.e paying things back etc and how many credit cards u have, how old u r, if u own property.
Sam
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Registered: 24th Dec 99
Location: West Midlands
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16th Jun 03 at 08:58   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by kinkycorsa
... my bank ppl hav pre approved limits which means u can just ring up and they giv it to u over the fone.


Is it an across-the-board limit or based on the individual?
Tommy
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Registered: 24th Aug 00
Location: Essex, Colchester
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16th Jun 03 at 08:59   View User's Profile U2U Member Reply With Quote
Just generally m8 should be getting 11k
Sam
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Registered: 24th Dec 99
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16th Jun 03 at 09:01   View User's Profile U2U Member Reply With Quote
Like kinky says just phone up your bank or even walk into your branch one day and ask to speak to someone about getting a loan and they'll sort you out mate.
kinkycorsa
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Registered: 19th Feb 03
Location: Bristol
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16th Jun 03 at 09:02   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Sam
quote:
Originally posted by kinkycorsa
... my bank ppl hav pre approved limits which means u can just ring up and they giv it to u over the fone.


Is it an across-the-board limit or based on the individual?


no different for different ppl. Every1 has a profile on our system and u have a customer rating. If you have lots of credit cards and loans ur rating is higher cuz you are creating more business for the bank, it also depends on your incomings (salary etc) for example i have a pre approved over draft of £1k and Credit Card of £500 and loan £3k when i earn bout £4k a year atm. And i can ring up and have that instantly.
Tommy
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Registered: 24th Aug 00
Location: Essex, Colchester
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16th Jun 03 at 09:03   View User's Profile U2U Member Reply With Quote
I aint got the f ing pay rise yet i just wanna know what im looking at, christ dont people listen n e more
Pablo
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Registered: 3rd Feb 03
Location: Milton Keynes
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16th Jun 03 at 09:03   View User's Profile U2U Member Reply With Quote
U2U or spk to Je11ybubb1es or wotever her name is she works for a bank mate!
kinkycorsa
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Registered: 19th Feb 03
Location: Bristol
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16th Jun 03 at 09:05   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by LoudandLow
I aint got the f ing pay rise yet i just wanna know what im looking at, christ dont people listen n e more


dnt get stroppy, ive told u wot i know wont bother in future ... how ungrateful i've also given u an idea of wot i get on my salary > personal details so at least hav the decency to say thx.
Tommy
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Registered: 24th Aug 00
Location: Essex, Colchester
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16th Jun 03 at 09:06   View User's Profile U2U Member Reply With Quote
i know all of that its commen sense to ring up etc but i was asking a simple question, which nobody answered
kinkycorsa
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Registered: 19th Feb 03
Location: Bristol
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16th Jun 03 at 09:07   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by LoudandLow
i know all of that its commen sense to ring up etc but i was asking a simple question, which nobody answered


i answered best i cud
Sam
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Registered: 24th Dec 99
Location: West Midlands
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16th Jun 03 at 09:10   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by kinkycorsa
no different for different ppl. Every1 has a profile on our system and u have a customer rating. If you have lots of credit cards and loans ur rating is higher cuz you are creating more business for the bank, it also depends on your incomings (salary etc) for example i have a pre approved over draft of £1k and Credit Card of £500 and loan £3k when i earn bout £4k a year atm. And i can ring up and have that instantly.


Are you able to find out what my customer rating is?
kinkycorsa
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Registered: 19th Feb 03
Location: Bristol
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16th Jun 03 at 09:11   View User's Profile U2U Member Reply With Quote
quote:
Originally posted by Sam
quote:
Originally posted by kinkycorsa
no different for different ppl. Every1 has a profile on our system and u have a customer rating. If you have lots of credit cards and loans ur rating is higher cuz you are creating more business for the bank, it also depends on your incomings (salary etc) for example i have a pre approved over draft of £1k and Credit Card of £500 and loan £3k when i earn bout £4k a year atm. And i can ring up and have that instantly.


Are you able to find out what my customer rating is?


who u wiv? obviously only if ur wiv my bank. But yes i cud...cud get the sack if i got caught but i wudnt.
Foz
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Registered: 8th May 02
Location: Bristol
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16th Jun 03 at 09:12   View User's Profile U2U Member Reply With Quote
just go down the bank like anyone else would. lloyds tsb r nobs tho and won'y even give me a debit card for some strange reason, even tho i got no credit cards or debt.
Sam
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Registered: 24th Dec 99
Location: West Midlands
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16th Jun 03 at 09:12   View User's Profile U2U Member Reply With Quote
Yes I am with your bank...

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