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Please Help! Hi I'm Lukasz and looking to buy a car........

Loan amount
£5,120.00
Loan length
60 months
Preferred rate
11.90%
Loan purpose
Car
Progress:
100%

123 offers (12.94% avg)

Listing ends:
24.06.2009 - 11:37 PM (Ended)
Accepted

Personal profile

Thanks for taking the time to read my listing.....

I'm looking to buy a new car that will be more reliable and economical than the present one, but I'm finding it difficult to find a lender as I think it is because I'm not on the voters roll....I'm originally from Poland but been in the UK since 2005 working as a Braille teacher for the Royal National College for the Blind in Hereford, but whilst I am a UK resident I'm not a citizen and therefore no voters roll record for me.

I recently applied on Zopa to borrow £7000 but was declined. The reason seems unspecific, so I thought I would try a listing.

I do have a credit history here in the UK. I have one loan with Barclays and the original advance was £10,000 repayable at £311 over 3 years at 7.9%. I currently owe £6000. I also have a Barclaycard with a credit limit of £1250 and owe approx £1000. I have no overdraft. I have never missed a payment or been late paying. My salary is £21,000 per annum and my total debt of the above 2 commitments stands at about £7000. I have no other credit commitments. I live with my partner and contribute to the mortgage.

I love it here in the UK and have no intention of returning to my home country. On the contrary, after I have been here for 5 years I intend to apply for naturalisation as a British Citizen - so please don't think I will borrow money and run off to Poland! My life and partner are here in the UK.

Income/Expenses

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Lending offers

  • Offer is winning Winning
  • Offer is conditional Conditional
  • Offer has lost Lost
#LENDERAMOUNTRATEDATE
1debzbakes£10.0010.00 %22.06.09 17:54
2BBPMNM£50.0010.00 %22.06.09 21:38
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5rogerb89£20.0010.75 %24.06.09 20:02
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8miffer£10.0011.00 %24.06.09 07:02
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10Sionnibach£10.0011.00 %24.06.09 19:50
11Kagoose£10.0011.50 %22.06.09 12:12
12TheMiln3r£10.0011.50 %24.06.09 16:18
13archie118£10.0011.90 %23.06.09 13:57
14EssexLoans£10.0011.90 %24.06.09 15:04
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16anjosir£10.0011.96 %24.06.09 16:46
17marathon314£10.0011.97 %24.06.09 11:58
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28Fuzzwhoppit£10.0012.00 %24.06.09 14:02
29mamon£10.0012.00 %24.06.09 18:38
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33RNO£20.0012.10 %24.06.09 12:55
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Questions about this listing

Lenders are invited to ask questions to borrowers. Borrowers will be notified of any questions and can answer if they wish. They may choose not to respond to questions that are too intrusive though.

Question asked on: Saturday, 20th June 2009

Question asked by:

petepierre

Question: Congratulations on your excellent English Lukasz, and best wishes with your application for citizenship. And good luck with the loan application too!

Answer: Thanks petepierre. Living in a foreign country is the only way to truly learn the language! Thank you for your pledge of lending me money....the listing seems to be slow at the moment but I hope I will reach the target amount before the it ends.

Question asked on: Monday, 22nd June 2009

Question asked by:

isak1970

Question: Hi Lukasz,

This is not a question, just a piece of information. :-)

As an non-British EU citizen myself, I successfully registered with the electoral roll in the UK, both to be able to have a say about how my council tax is spent, and to get a better credit rating.

You can find where to register here:

http://local.direct.gov.uk/LDGRedirect/index.jsp?LGSL=364&LGIL=0

Best regards,

Isak

Answer: Hi Isak,
Thanks for letting me know. Since I came to the UK I have always thought that you have to be a British Citizen to be able to vote. I will definitely visit this website.
Regards, Lukasz

Question asked on: Tuesday, 23rd June 2009

Question asked by:

isak1970

Question: Just to clarify though, you can vote in the local elections, but not the national elections.

For the EU elections, I believe you can choose UK or Poland (but not both).

Answer: Hi Isak,

I've already had a look on the website you sent me and as you said, registering with the electoral roll will give me a say on the local issues but I still won't be able to vote in the UK Parliamentary Elections.

But thanks again for your advice.
Lukasz

At the same time I would like to say a big THANK YOU for the pledge of lending me money TO EVERYBODY who has already done it.
I am not sure now if I am still able to reach the target amount (considering it is only but 1.5 days left) but anyway I do really think that the idea of this website is stunning!

Question asked on: Tuesday, 23rd June 2009

Question asked by:

ds12

Question: Hi Lukasz,

I'd like to lend to you, but I'm hesitating because you have not supplied any banking details. Is there a reason for this, or just an oversight?

Best wishes for the loan

Answer: Hi ds12,

It is just an oversight.
But I tried to do it now by pressing "setup direct debit" button but there is something wrong with the website. That is the response I've got from Zopa:

"We're really sorry but there's been a problem with the site, and we're not going to be able to let you continue with what you were doing.
We'll look at what went wrong (it will show up in our web logs) and get our best techies to work out a way of stopping it happening again.
Hit "Okay" to go back to the Zopa homepage, where you can try signing in again.
Thanks."

I'll try again as soon as the website allows me.

Thanks. Lukasz

Question asked on: Tuesday, 23rd June 2009

Question asked by:

weescotsguy

Question: Try contacting Zopa directly about getting the banking details sorted.

Can you tell us what your APR are for you loans and CC and the reason why you have them.

Do you intend to stick to your min payment of 25GBP for your CC?

Answer: My APR for the loan is 7.9% and I took it to help my family back in Poland because my father has a disability and needed to make changes to the house. My family promised to repay me at some point in the future but as my parents paid for my degree in Poland I feel that this was the least I could have done to help them.

Answering the other part of you question, I am looking to repay my credit card but it depends on how much money I get from the trade-in value of my current car.

If you have any more questions, please feel free to ask.

Question asked on: Tuesday, 23rd June 2009

Question asked by:

xmonkey

Question: lukasz83

Hi, try following this link to help input your bank details http://talk.zopa.com//index.php?showtopic=4283#topicoptions
No need to reply to this. Good luck.

Answer: Hi xmonkey,

I've just sorted out my banking details.

I also would like to thank You and everybody else for lending me money. I do really appreciate it.

Question asked on: Wednesday, 24th June 2009

Question asked by:

donallgarvin

Question: Better English than many/most of the other applications I've seen - hope the ZOPA goes well for you!

Answer: Hi donallgarvin,

My English has definitely improved since I came here. It's because I use it every day at work and at home.

Thank you very much for your support.

Question asked on: Wednesday, 24th June 2009

Question asked by:

Harmonica

Question: Hi Lukashz83,

You can vote in local elections regardless of whether you are a British subject or not. However, to vote in a General Election (sending people to the Houses of Parliament), you must be a British subjedt.

Hope that this helps.

Harmonica

Answer: Thanks Harmonica.

Meet the borrower

Borrower ID: lukasz83

Age: 26-29

Zopa member since: 14.06.09

Borrower rating

Credit score

Affordability

Stability

Everyone who wants to borrow at Zopa is identity-checked, credit-checked and risk-assessed. We work with Equifax to work out three separate scores that will help you as a lender to make an informed choice when you choose your borrowers.

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