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Loan amount

£9,120.00

Loan length

60 months

Preferred rate

9.00%

Loan purpose

Consolidate existing debts

Progress:

100%

160 offers (13.45% avg)

Listing ends:

13.02.2010 - 8:40 PM (Ended)

Not accepted

Personal profile

WHY I'M BORROWING
The borrowing money will be used to pay my existing creditcard balance. Last year, I bought a house and used several balance transfer cards to save money due to high deposit requirements.

ANY EXISTING ZOPA LOANS & PREVIOUS APPLICATIONS
I tried to apply zopa loan but was refused.

WHY I'M A SAFE PAIR OF HANDS
I held a HSBC bank account for 5 years.
Had a car loan of 7000 pounds and repaid fully two years ago.
Not a frequent ebayer, but 100% positive feedbacks for last 5 years.
After PhD study in Manchester, I am now working as Process Engineer in a big US company.

THE STATE OF MY FINANCES
To get enough deposit for my four-bedroom detached house, total balance of my credit cards is nearly 9000 pounds. 7000 of it is 0% interest thanks to balance transfer offer. The free period will end in next few months. I want to get some low rate load to repay them thus make my finance better.

Income/Expenses

Detail level

Monthly Income

Employment / self employment

Savings and investments

Pension & annuity payouts

Benefits

Child benefits

Tax credits

Income support

Other

Monthly Expenses

Debt repayments

Car loan

Personal loan

Credit Cards

Other loan repayments

Savings and investments

Savings schemes

Mini cash ISA"s

Investments

Buying shares

Pension payments

Other savings / investments

Home

Bank account fees

Overdraft cost

Mortgage / Rent

Council Tax

Water Rates

Gas Bill

Electricity bill

Oil bill

Home phone bill

Internet bill

Mobile phone bill

Other home

Insurance

Mortgage payment insurance

Mortgage term assurance

Level term assurance

Private medical insurance

Pet insurance

Travel insurance

Gas & plumbing cover

Buildings & contents insurance

Car insurance

Other insurance

Transport and travel

Breakdown cover

Rail / Bus / Coach / Taxi

Car maintenance

Car tax

Parking

Petrol / Diesel / Gas

Other transport

Fun & frolics

DVD / Video rental

Fitness / Sports / Gym

Satelite / Cable subscription

TV licence

Other fun

Education & courses

Courses / School fees

Other

Miscellaneous

Regular charity donations

Tax & NI provisions

Haircuts

Optical bills

Other odds & sods

Eating and Drinking

Food & household shopping

Eating out

Pet food

Drinks

Cigarettes / Cigars

Work

Other

Lending offers

Winning
Conditional
Lost

#	LENDER	AMOUNT	RATE	DATE

1	civpol12780	£50.00	8.75 %	05.02.10 09:58
2	darobinson	£40.00	9.00 %	04.02.10 17:07
3	ratty69	£20.00	9.00 %	06.02.10 20:20
4	JConstantine	£50.00	9.00 %	12.02.10 18:24
5	argyll39	£50.00	9.00 %	12.02.10 23:35
6	sorcerer	£10.00	10.00 %	04.02.10 08:37
7	christofofof	£10.00	10.00 %	04.02.10 22:12
8	daftie	£20.00	10.00 %	05.02.10 15:09
9	bobtheoviko	£10.00	10.00 %	12.02.10 13:39
10	huntse	£10.00	10.00 %	12.02.10 18:05
11	maheshdesai	£30.00	10.00 %	13.02.10 13:47
12	dtsystems	£10.00	10.10 %	13.02.10 09:57
13	boushka	£10.00	10.25 %	05.02.10 07:01
14	baberton	£30.00	10.89 %	04.02.10 19:37
15	TandandNik	£20.00	10.90 %	04.02.10 10:12
16	FreddieMac	£20.00	10.95 %	04.02.10 13:12
17	wendya2	£20.00	11.00 %	04.02.10 16:18
18	ZAY	£50.00	11.00 %	10.02.10 15:05
19	vyiper192	£10.00	11.00 %	12.02.10 20:24
20	dtsystems	£10.00	11.10 %	13.02.10 09:58
21	Paddycomm60	£10.00	11.45 %	07.02.10 20:54
22	Lesikins	£20.00	11.80 %	13.02.10 09:03
23	Chris4646	£30.00	11.90 %	13.02.10 10:56
24	whiteunited	£40.00	11.96 %	13.02.10 12:59
25	flyingdancer	£20.00	11.97 %	13.02.10 08:02
26	ramsey48	£10.00	11.98 %	13.02.10 09:22
27	marioneadie	£10.00	11.99 %	11.02.10 16:35
28	ECCORED	£20.00	11.99 %	12.02.10 12:06
29	pdh999	£150.00	11.99 %	13.02.10 08:28
30	paagencies	£10.00	11.99 %	13.02.10 10:30
31	CAMELLANE	£20.00	12.00 %	04.02.10 11:32
32	Moet	£20.00	12.00 %	13.02.10 09:41
33	dtsystems	£10.00	12.10 %	13.02.10 09:58
34	LeChuck	£10.00	12.37 %	05.02.10 16:53
35	talesfrom	£10.00	12.40 %	13.02.10 08:55
36	Paddycomm60	£10.00	12.45 %	07.02.10 20:55
37	Chris4646	£30.00	12.45 %	13.02.10 10:57
38	onedevil	£10.00	12.48 %	13.02.10 10:44
39	EdmundSS	£10.00	12.49 %	13.02.10 08:20
40	badger250	£10.00	12.50 %	08.02.10 09:52
41	stengun19	£20.00	12.50 %	08.02.10 10:56
42	zeroninety	£10.00	12.50 %	10.02.10 14:36
43	ds12	£20.00	12.50 %	12.02.10 16:24
44	Woodtech	£100.00	12.50 %	13.02.10 02:23
45	Sh0rel1ne	£20.00	12.50 %	13.02.10 20:35
46	Designer1	£10.00	12.74 %	13.02.10 09:57
47	upside	£50.00	12.75 %	12.02.10 22:26
48	Mrcee	£20.00	12.75 %	13.02.10 11:11
49	stanley53	£10.00	12.79 %	13.02.10 09:17
50	hankey	£30.00	12.80 %	12.02.10 23:14
51	baberton	£30.00	12.89 %	07.02.10 14:04
52	cruckbeam	£50.00	12.90 %	11.02.10 19:45
53	wreid	£10.00	12.92 %	13.02.10 19:52
54	rgilbride	£40.00	12.93 %	13.02.10 00:27
55	pdmartin	£10.00	12.93 %	13.02.10 15:34
56	briary	£40.00	12.94 %	13.02.10 13:02
57	EuanK	£50.00	12.95 %	11.02.10 00:35
58	lesliet	£10.00	12.95 %	12.02.10 20:14
59	mrpenguin	£20.00	12.97 %	13.02.10 13:22
60	malcolmwrong	£50.00	12.98 %	13.02.10 10:25
61	Dinarius	£40.00	12.98 %	13.02.10 20:08
62	pdh999	£200.00	12.99 %	13.02.10 08:27
63	Vispo	£10.00	13.00 %	11.02.10 23:19
64	baidwan	£100.00	13.00 %	12.02.10 14:23
65	onemattyc	£200.00	13.00 %	13.02.10 09:06
66	Redbush001	£10.00	13.00 %	13.02.10 20:39
67	dtsystems	£10.00	13.10 %	13.02.10 09:59
68	pinfold46	£50.00	13.20 %	13.02.10 19:02
69	langoustine	£100.00	13.25 %	13.02.10 07:52
70	geobank	£10.00	13.30 %	11.02.10 19:07
71	Dinarius	£60.00	13.48 %	13.02.10 20:09
72	pennydaisy	£50.00	13.49 %	13.02.10 18:04
73	travacc	£20.00	13.49 %	13.02.10 18:35
74	Tiger33	£10.00	13.50 %	12.02.10 22:18
75	andrejclot	£250.00	13.50 %	13.02.10 12:41
76	1coffindrop2	£20.00	13.50 %	13.02.10 19:20
77	teekay	£20.00	13.50 %	13.02.10 19:29
78	Balzac	£250.00	13.50 %	13.02.10 19:38
79	andrejclot	£250.00	13.50 %	13.02.10 20:39
80	Antiochean	£10.00	13.59 %	12.02.10 23:00
81	talesfrom	£10.00	13.60 %	13.02.10 08:53
82	JamesBS	£10.00	13.78 %	13.02.10 18:34
83	ajb1018	£10.00	13.79 %	12.02.10 23:56
84	hankey	£20.00	13.80 %	12.02.10 23:16
85	genesis08	£10.00	13.86 %	13.02.10 20:39
86	slmcmullon	£10.00	13.87 %	13.02.10 20:14
87	pseudonym	£10.00	13.88 %	13.02.10 13:15
88	malcolmwrong	£10.00	13.89 %	13.02.10 10:27
89	MikeS1531	£10.00	13.89 %	13.02.10 17:10
90	Probity	£10.00	13.89 %	13.02.10 18:45
91	KIKPOP99	£1,620.00	13.89 %	13.02.10 20:40
92	sl75	£120.00	13.90 %	12.02.10 17:50
93	westernsheik	£10.00	13.90 %	13.02.10 14:50
94	compint	£10.00	13.90 %	13.02.10 17:06
95	splish	£10.00	13.90 %	13.02.10 20:39
96	JamesBS	£10.00	13.91 %	13.02.10 18:32
97	AndyJennings	£50.00	13.91 %	13.02.10 19:58
98	chilterncom1	£10.00	13.91 %	13.02.10 20:00
99	writeandmane	£10.00	13.91 %	13.02.10 20:17
100	robertedmond	£300.00	13.92 %	11.02.10 22:20
101	joeclayton	£350.00	13.92 %	13.02.10 20:40
102	racer123	£10.00	13.93 %	13.02.10 16:23
103	EDWINJACKSON	£400.00	13.94 %	13.02.10 09:26
104	briary	£40.00	13.94 %	13.02.10 13:01
105	lesliet	£10.00	13.95 %	12.02.10 20:14
106	Jean49	£10.00	13.96 %	13.02.10 11:36
107	MichelleLC	£100.00	13.96 %	13.02.10 20:36
108	flyingdancer	£20.00	13.97 %	13.02.10 08:02
109	Poundstretch	£20.00	13.97 %	13.02.10 15:55
110	pennydaisy	£100.00	13.97 %	13.02.10 18:00
111	JamesBS	£10.00	13.97 %	13.02.10 18:31
112	Dinarius	£80.00	13.97 %	13.02.10 20:09
113	decorouslend	£50.00	13.97 %	13.02.10 20:34
114	decorouslend	£80.00	13.97 %	13.02.10 20:40
115	tabrown58	£20.00	13.98 %	04.02.10 17:02
116	Fudgerunner	£10.00	13.98 %	12.02.10 16:24
117	pelasnet	£10.00	13.98 %	13.02.10 12:23
118	andrejclot	£250.00	13.98 %	13.02.10 12:44
119	bonvivant	£90.00	13.99 %	10.02.10 16:53
120	ophil50	£250.00	13.99 %	12.02.10 18:02
121	MrGrey	£10.00	13.99 %	13.02.10 09:00
122	JamesBS	£10.00	13.99 %	13.02.10 18:30
123	AndyJennings	£50.00	13.99 %	13.02.10 19:58
124	travacc	£10.00	13.99 %	13.02.10 20:26
125	Peter73	£30.00	14.00 %	04.02.10 18:55
126	peter269	£300.00	14.00 %	07.02.10 00:12
127	RMST	£10.00	14.00 %	08.02.10 10:44
128	madcap	£20.00	14.00 %	08.02.10 14:11
129	Iansme	£140.00	14.00 %	11.02.10 20:31
130	bryfraser	£20.00	14.00 %	12.02.10 12:56
131	Slashware	£10.00	14.00 %	13.02.10 09:32
132	anhar2005	£80.00	14.00 %	13.02.10 14:25
133	Matt98	£10.00	14.00 %	13.02.10 19:17
134	Balzac	£250.00	14.00 %	13.02.10 19:37
135	TRIM186	£10.00	14.00 %	13.02.10 19:38
136	classic100	£30.00	14.00 %	13.02.10 20:37
137	MichelleLC	£100.00	14.01 %	13.02.10 20:35
138	Wangja	£10.00	14.04 %	13.02.10 15:41
139	Indobank	£10.00	14.05 %	12.02.10 13:05
140	dtsystems	£10.00	14.10 %	13.02.10 09:59
141	special112	£10.00	14.22 %	13.02.10 20:25
142	Tonyu	£10.00	14.23 %	07.02.10 10:05
143	MichelleLC	£100.00	14.24 %	13.02.10 20:36
144	samarin	£20.00	14.24 %	13.02.10 20:39
145	PARSONSMM1	£10.00	14.25 %	04.02.10 08:44
146	elisabethC	£150.00	14.27 %	13.02.10 20:40
147	ladyaiken	£100.00	14.28 %	13.02.10 20:40
148	richa123	£10.00	14.29 %	13.02.10 20:34
149	Ares	£20.00	14.29 %	13.02.10 20:40
150	upside	£20.00	14.30 %	13.02.10 10:03
151	aalvin	£10.00	14.30 %	13.02.10 19:50
152	stuart543	£20.00	14.30 %	13.02.10 20:40
153	genesis08	£10.00	14.33 %	13.02.10 20:34
154	meshiey	£10.00	14.34 %	13.02.10 11:40
155	xmonkey	£10.00	14.35 %	12.02.10 13:05
156	Alexandgreat	£20.00	14.36 %	13.02.10 11:46
157	chilterncom1	£10.00	14.37 %	13.02.10 20:21
158	robinsnest	£20.00	14.37 %	13.02.10 20:39
159	EasyPeasy	£30.00	14.38 %	13.02.10 20:37
160	freida	£100.00	14.38 %	13.02.10 20:38
161	LoanDoc	£250.00	14.38 %	13.02.10 20:39
162	LoanDoc	£250.00	14.38 %	13.02.10 20:39
163	averygoodbar	£20.00	14.38 %	13.02.10 20:40
164	Dinarius	£100.00	14.39 %	13.02.10 20:10
165	richa123	£10.00	14.39 %	13.02.10 20:39
166	yorkybuzz	£10.00	14.39 %	13.02.10 20:40
167	alexp2000	£50.00	14.40 %	13.02.10 18:46
168	Aljaripe	£300.00	14.40 %	13.02.10 20:33
169	claatead	£10.00	14.41 %	13.02.10 20:40
170	berrymas	£20.00	14.43 %	13.02.10 17:04
171	ibbisin	£10.00	14.43 %	13.02.10 19:00
172	decorouslend	£50.00	14.43 %	13.02.10 20:32
173	Benbow	£20.00	14.43 %	13.02.10 20:39
174	JamesBS	£10.00	14.44 %	13.02.10 11:13
175	briary	£20.00	14.44 %	13.02.10 13:00
176	chilterncom1	£10.00	14.44 %	13.02.10 19:59
177	MRChambers	£10.00	14.44 %	13.02.10 20:37
178	chilterncom1	£20.00	14.44 %	13.02.10 20:39
179	meroc	£20.00	14.45 %	09.02.10 21:25
180	compint	£10.00	14.45 %	12.02.10 13:25
181	malcolmwrong	£50.00	14.45 %	13.02.10 10:25
182	richa123	£10.00	14.45 %	13.02.10 19:25
183	ballix	£200.00	14.45 %	13.02.10 20:17
184	SCW	£100.00	14.45 %	13.02.10 20:40
185	bonvivant	£90.00	14.46 %	10.02.10 16:52
186	pthom2	£10.00	14.46 %	13.02.10 14:19
187	pennydaisy	£100.00	14.46 %	13.02.10 17:59
188	decorouslend	£50.00	14.46 %	13.02.10 20:36
189	decorouslend	£50.00	14.46 %	13.02.10 20:38
190	decorouslend	£50.00	14.46 %	13.02.10 20:39
191	NorthemCrock	£20.00	14.46 %	13.02.10 20:39
192	CMike	£10.00	14.46 %	13.02.10 20:39
193	jallan	£100.00	14.47 %	07.02.10 22:19
194	JamesBS	£10.00	14.47 %	13.02.10 11:14
195	CMike	£10.00	14.47 %	13.02.10 20:35
196	elisabethC	£100.00	14.47 %	13.02.10 20:38
197	Malpoet	£10.00	14.47 %	13.02.10 20:39
198	joeclayton	£200.00	14.48 %	05.02.10 07:40
199	Terralta	£20.00	14.49 %	04.02.10 10:55
200	fragidistic	£180.00	14.49 %	13.02.10 14:20
201	benscash	£10.00	14.49 %	13.02.10 19:15
202	yorkybuzz	£10.00	14.49 %	13.02.10 20:38
203	stuart543	£20.00	14.49 %	13.02.10 20:39
204	elisabethC	£100.00	14.49 %	13.02.10 20:39
205	aleeanne	£20.00	14.50 %	08.02.10 15:10
206	andrejclot	£250.00	14.50 %	11.02.10 21:23
207	Iansme	£90.00	14.50 %	12.02.10 20:08
208	charlotte071	£10.00	14.50 %	13.02.10 14:07
209	owenl	£10.00	14.50 %	13.02.10 20:21
210	atotori	£10.00	14.50 %	13.02.10 20:37
211	samarin	£20.00	14.50 %	13.02.10 20:39
212	Xanadu5	£10.00	14.51 %	13.02.10 20:36
213	splish	£10.00	14.60 %	13.02.10 01:19
214	talesfrom	£10.00	14.60 %	13.02.10 08:53
215	CMike	£20.00	14.64 %	13.02.10 20:40
216	richtinks	£10.00	14.65 %	12.02.10 14:12
217	CMike	£10.00	14.66 %	13.02.10 16:22
218	stuart543	£20.00	14.68 %	13.02.10 20:38
219	NorthemCrock	£20.00	14.68 %	13.02.10 20:38
220	chilterncom1	£20.00	14.69 %	13.02.10 20:36
221	ladyaiken	£100.00	14.69 %	13.02.10 20:39
222	decorouslend	£50.00	14.70 %	13.02.10 20:35
223	claatead	£10.00	14.70 %	13.02.10 20:35
224	CMike	£10.00	14.70 %	13.02.10 20:36
225	Benbow	£20.00	14.70 %	13.02.10 20:38
226	Dinarius	£120.00	14.71 %	13.02.10 20:11
227	decorouslend	£50.00	14.72 %	13.02.10 14:46
228	JamesBS	£10.00	14.73 %	13.02.10 11:15
229	genesis08	£10.00	14.74 %	13.02.10 10:53
230	richa123	£10.00	14.74 %	13.02.10 18:10
231	ihalliwell	£50.00	14.74 %	13.02.10 18:16
232	EuanK	£100.00	14.75 %	13.02.10 10:02
233	chilterncom1	£10.00	14.78 %	13.02.10 17:26
234	yorkybuzz	£10.00	14.83 %	13.02.10 20:37
235	CMike	£10.00	14.84 %	13.02.10 20:33
236	philipg27	£10.00	14.85 %	13.02.10 18:16
237	Benbow	£20.00	14.85 %	13.02.10 20:34
238	CMike	£10.00	14.86 %	13.02.10 20:20
239	Union	£10.00	14.86 %	13.02.10 20:38
240	lukewarm	£10.00	14.87 %	13.02.10 20:12
241	CMike	£10.00	14.87 %	13.02.10 20:34
242	Themoneyman	£10.00	14.88 %	13.02.10 18:33
243	EasyPeasy	£30.00	14.88 %	13.02.10 20:28
244	CMike	£10.00	14.88 %	13.02.10 20:39
245	jamesbanfiel	£40.00	14.89 %	13.02.10 12:33
246	Union	£10.00	14.89 %	13.02.10 20:37
247	ihalliwell	£50.00	14.90 %	04.02.10 18:08
248	westernsheik	£20.00	14.90 %	13.02.10 14:27
249	SkipWallaby	£30.00	14.90 %	13.02.10 19:36
250	yorkybuzz	£10.00	14.90 %	13.02.10 20:35
251	stuart543	£20.00	14.91 %	13.02.10 16:21
252	meshiey	£10.00	14.92 %	13.02.10 11:39
253	mike45	£50.00	14.92 %	13.02.10 19:31
254	mistergrumpy	£50.00	14.93 %	13.02.10 10:33
255	pennydaisy	£50.00	14.93 %	13.02.10 17:57
256	bonvivant	£90.00	14.94 %	10.02.10 16:52
257	briary	£20.00	14.94 %	13.02.10 12:58
258	CMike	£10.00	14.94 %	13.02.10 20:18
259	DaveCustard	£100.00	14.95 %	07.02.10 12:39
260	Supply	£250.00	14.95 %	08.02.10 10:41
261	lesliet	£10.00	14.95 %	12.02.10 20:13
262	JamesBS	£10.00	14.96 %	13.02.10 11:15
263	WIREBENDER	£20.00	14.97 %	12.02.10 21:59
264	CMike	£10.00	14.97 %	13.02.10 20:00
265	CMike	£20.00	14.97 %	13.02.10 20:01
266	yorkybuzz	£10.00	14.97 %	13.02.10 20:18
267	atotori	£10.00	14.98 %	11.02.10 22:57
268	Fudgerunner	£10.00	14.98 %	12.02.10 16:23
269	malcolmwrong	£50.00	14.98 %	13.02.10 10:24
270	Bumblin	£10.00	14.98 %	13.02.10 18:19
271	Union	£10.00	14.98 %	13.02.10 20:32
272	CactusAndy	£10.00	14.99 %	12.02.10 16:39
273	pdh999	£170.00	14.99 %	13.02.10 08:27
274	JamesBS	£10.00	14.99 %	13.02.10 11:16
275	horacio	£10.00	14.99 %	13.02.10 12:08
276	pennydaisy	£50.00	14.99 %	13.02.10 17:58
277	SCW	£100.00	14.99 %	13.02.10 18:35
278	CMike	£20.00	14.99 %	13.02.10 19:59
279	Union	£20.00	14.99 %	13.02.10 20:08
280	yorkybuzz	£10.00	14.99 %	13.02.10 20:11
281	Sanje1	£20.00	15.00 %	04.02.10 16:03
282	travacc	£10.00	15.00 %	05.02.10 11:46
283	DaveCustard	£100.00	15.00 %	07.02.10 12:38
284	msuett	£50.00	15.00 %	08.02.10 14:05
285	stanley53	£10.00	15.00 %	12.02.10 17:27
286	Tiger33	£10.00	15.00 %	12.02.10 22:17
287	soundoflondo	£20.00	15.00 %	13.02.10 01:23
288	fornve	£20.00	15.00 %	13.02.10 08:55
289	huwedges	£40.00	15.00 %	13.02.10 09:39
290	chriswalker9	£50.00	15.00 %	13.02.10 09:43
291	edmund273	£50.00	15.00 %	13.02.10 10:05
292	JamesBS	£10.00	15.00 %	13.02.10 11:16
293	slmcmullon	£40.00	15.00 %	13.02.10 13:50
294	phil46	£40.00	15.00 %	13.02.10 14:22
295	Meridianin	£170.00	15.00 %	13.02.10 18:13
296	Meridianin	£170.00	15.00 %	13.02.10 18:13
297	richa123	£10.00	15.19 %	13.02.10 12:06
298	pennydaisy	£50.00	15.22 %	13.02.10 17:55
299	pseudonym	£10.00	15.23 %	13.02.10 11:28
300	ballix	£200.00	15.23 %	13.02.10 16:58
301	briary	£20.00	15.24 %	09.02.10 22:07
302	Union	£10.00	15.24 %	13.02.10 14:46
303	Neil1968	£10.00	15.24 %	13.02.10 15:34
304	peter269	£200.00	15.24 %	13.02.10 16:23
305	Supply	£250.00	15.25 %	08.02.10 10:41
306	SkipWallaby	£30.00	15.25 %	11.02.10 19:52
307	stallholder	£10.00	15.30 %	13.02.10 17:03
308	upside	£20.00	15.35 %	11.02.10 15:53
309	formosan	£50.00	15.44 %	05.02.10 18:23
310	Wangja	£10.00	15.46 %	13.02.10 00:40
311	talesfrom	£10.00	15.60 %	13.02.10 08:52
312	CMike	£10.00	15.66 %	13.02.10 16:22
313	Union	£10.00	15.68 %	13.02.10 14:29
314	genesis08	£10.00	15.69 %	13.02.10 10:52
315	JamesBS	£10.00	15.69 %	13.02.10 11:17
316	pseudonym	£10.00	15.69 %	13.02.10 11:27
317	SCW	£100.00	15.69 %	13.02.10 12:16
318	Union	£10.00	15.69 %	13.02.10 14:29
319	Themoneyman	£10.00	15.69 %	13.02.10 17:05
320	nielscam	£10.00	15.70 %	12.02.10 09:16
321	CoffeeHouse	£100.00	15.70 %	12.02.10 15:26
322	ihalliwell	£50.00	15.73 %	11.02.10 22:18
323	Union	£10.00	15.73 %	13.02.10 14:28
324	briary	£20.00	15.74 %	09.02.10 22:06
325	bonvivant	£90.00	15.74 %	10.02.10 16:54
326	Kiwimike	£100.00	15.74 %	13.02.10 00:20
327	Union	£10.00	15.74 %	13.02.10 16:17
328	pennydaisy	£50.00	15.74 %	13.02.10 17:54
329	Supply	£250.00	15.75 %	08.02.10 10:40
330	Themoneyman	£10.00	15.88 %	13.02.10 16:32
331	jamesbanfiel	£50.00	15.89 %	13.02.10 12:32
332	sl75	£80.00	15.90 %	13.02.10 11:54
333	JamesBS	£10.00	15.91 %	13.02.10 11:18
334	Union	£10.00	15.91 %	13.02.10 14:27
335	robertedmond	£300.00	15.92 %	11.02.10 22:20
336	wolfbag	£10.00	15.93 %	13.02.10 13:02
337	briary	£20.00	15.94 %	09.02.10 22:07
338	Union	£10.00	15.94 %	13.02.10 10:10
339	EuanK	£150.00	15.95 %	12.02.10 13:16
340	Union	£10.00	15.97 %	13.02.10 10:09
341	Fudgerunner	£10.00	15.98 %	12.02.10 16:23
342	pawell	£100.00	15.98 %	12.02.10 23:04
343	JamesBS	£10.00	15.98 %	13.02.10 11:18
344	Union	£10.00	15.99 %	12.02.10 14:02
345	ballix	£100.00	15.99 %	12.02.10 18:28
346	Union	£10.00	15.99 %	13.02.10 10:08
347	chrisbatts	£10.00	16.00 %	04.02.10 13:02
348	atotori	£10.00	16.00 %	05.02.10 17:35
349	andrejclot	£100.00	16.00 %	05.02.10 21:04
350	DaveCustard	£100.00	16.00 %	07.02.10 12:38
351	mistergrumpy	£50.00	16.00 %	08.02.10 11:06
352	slmcmullon	£50.00	16.00 %	13.02.10 07:12
353	JamesBS	£10.00	16.00 %	13.02.10 11:19
354	pseudonym	£10.00	16.21 %	13.02.10 11:26
355	genesis08	£10.00	16.22 %	13.02.10 10:51
356	Union	£10.00	16.23 %	12.02.10 14:02
357	Benbow	£30.00	16.23 %	13.02.10 12:22
358	briary	£20.00	16.24 %	09.02.10 22:05
359	bonvivant	£90.00	16.24 %	10.02.10 16:55
360	Union	£10.00	16.24 %	12.02.10 14:01
361	Supply	£250.00	16.25 %	08.02.10 10:40
362	wendersaw	£20.00	16.29 %	11.02.10 16:31
363	Union	£10.00	16.40 %	13.02.10 10:07
364	JamesBS	£10.00	16.48 %	13.02.10 11:19
365	Union	£10.00	16.49 %	13.02.10 10:19
366	Themoneyman	£10.00	16.49 %	13.02.10 10:22
367	ksg	£2,250.00	16.50 %	13.02.10 06:18
368	CoffeeHouse	£100.00	16.70 %	12.02.10 15:26
369	sl75	£120.00	16.70 %	12.02.10 17:52
370	jet1451	£10.00	16.74 %	08.02.10 10:42
371	briary	£20.00	16.74 %	09.02.10 22:04
372	Union	£10.00	16.74 %	12.02.10 14:00
373	Supply	£250.00	16.75 %	08.02.10 10:39
374	wendersaw	£10.00	16.89 %	12.02.10 18:59
375	Union	£10.00	16.99 %	12.02.10 14:00
376	atotori	£10.00	17.00 %	05.02.10 17:35
377	charlotte071	£10.00	17.00 %	06.02.10 12:21
378	DaveCustard	£100.00	17.00 %	07.02.10 12:38
379	decorouslend	£10.00	17.22 %	08.02.10 12:10
380	briary	£20.00	17.24 %	09.02.10 22:04
381	Union	£10.00	17.24 %	12.02.10 13:59
382	Supply	£250.00	17.25 %	08.02.10 10:39
383	CoffeeHouse	£100.00	17.70 %	12.02.10 15:26
384	upside	£50.00	17.75 %	11.02.10 10:13
385	westernsheik	£20.00	17.90 %	12.02.10 10:25
386	joeclayton	£300.00	17.98 %	12.02.10 18:25
387	Union	£10.00	17.99 %	12.02.10 13:58
388	yorkybuzz	£10.00	18.00 %	04.02.10 08:13
389	DaveCustard	£100.00	18.00 %	07.02.10 12:37
390	xmonkey	£10.00	18.10 %	12.02.10 13:03
391	trishm	£30.00	18.25 %	05.02.10 15:11
392	mike45	£50.00	18.50 %	12.02.10 21:48
393	Ares	£10.00	18.80 %	11.02.10 13:22
394	Union	£10.00	18.99 %	10.02.10 17:00
395	troy99	£10.00	18.99 %	11.02.10 14:42
396	DaveCustard	£100.00	19.00 %	07.02.10 12:37
397	sl75	£120.00	19.50 %	12.02.10 17:53
398	Benbow	£10.00	19.50 %	12.02.10 23:51
399	janiceb13	£10.00	19.89 %	06.02.10 19:20
400	Flexopa	£20.00	19.92 %	06.02.10 14:12
401	lesliet	£10.00	19.95 %	09.02.10 16:42
402	TJWhale	£20.00	19.95 %	11.02.10 13:25
403	Union	£10.00	19.99 %	10.02.10 12:18
404	Themoneyman	£10.00	19.99 %	12.02.10 12:09
405	Ares	£10.00	19.99 %	13.02.10 03:34
406	Birdsong	£10.00	20.00 %	03.02.10 22:39
407	richa123	£10.00	20.00 %	03.02.10 23:20
408	slark	£10.00	20.00 %	03.02.10 23:24
409	hankey	£20.00	20.00 %	03.02.10 23:35
410	Alexandgreat	£10.00	20.00 %	04.02.10 11:08
411	JamesBS	£100.00	20.00 %	04.02.10 11:47
412	stcecilia	£50.00	20.00 %	04.02.10 13:36
413	DaveCustard	£100.00	20.00 %	07.02.10 12:37
414	andyF1	£10.00	20.00 %	07.02.10 13:17
415	benscash	£10.00	20.00 %	07.02.10 20:39
416	Union	£10.00	20.00 %	09.02.10 11:49
417	stuart543	£20.00	20.00 %	10.02.10 22:10
418	hankey	£20.00	20.00 %	11.02.10 11:59
419	Teazza	£10.00	20.00 %	12.02.10 15:45
420	philgooch72	£10.00	20.00 %	12.02.10 22:14

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: Thursday, 4th February 2010

Question asked by:

westmorland1

Question: Please can I ask why you want to take out this loannow when you say the interest free period on your credit card loans still have a few months to run? would it not be better to wait until nearer the time and get maximum benefit from the free interest period?

Answer: Thanks for your question.

I would pay a lot of interest if I repay them even 1 day late. So I made application earlier to make sure I could get enough money by then.

Question asked on: Thursday, 4th February 2010

Question asked by:

daftie

Question: are you still with hsbc

Answer: Yes. I still hold HSBC account. However, my salary is put into FirstDirect for a better mortgage deal, which belongs to HSBC group.

Question asked on: Friday, 5th February 2010

Question asked by:

lonefox

Question: 321.00 pcm sounds very reasonable for a mortgage on a 4 bed detatched.

What is the
1) Total Market value of your home
2) outstanding mortgage amount
3) years to repay
4) interest rate.

Answer: Thanks for your attention.
1. The house was bought in May 2009 at 170K. Now it might worth 185K, according to zoopla estimation.
2. Mortgage is 128K
3. 31 years left
4. 2.99% offset, fixed until July 2011. I am paying interest only.

Question asked on: Friday, 5th February 2010

Question asked by:

MichelleLC

Question: Hello,

Can you give us a clearer picture of your home circumstances?

How recently did you buy, what did you pay and how much is the mortgage? The £321 in your monthly expenses doesn’t fit with a four bedroom detatched house bought any time last year.

Is this a shared cost and, if that is the situation, does the other party contribute to other expenses?

Regards

michelleHC

Answer: Thanks for your kind questions.

The 4-bedroom house was bought at 170K in May 2009. The mortgage balance is 128K. So I paid 42K deposit and spent another 5K to settle down.

The mortgage is 2.99% offset, fixed until June 2011. At the moment, I just pay interest only.

I finished PhD and joined current company in 2008. I believe my salary will be much better in next few years. Then I can pay more mortgage back.

Meet the borrower

Borrower ID: zdhmp3

Age: 30-39

Zopa member since: 24.08.09

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westmorland1

daftie

lonefox

MichelleLC

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