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Trying to Cut Up the Credit Cards (again thanks to a glitch)

Loan amount
£4,750.00
Loan length
48 months
Preferred rate
9.00%
Loan purpose
Consolidate existing debts
Progress:
100%

101 offers (11.24% avg)

Listing ends:
04.07.2008 - 2:34 PM (Ended)
Accepted

Personal profile

Due to a freak glitch with the system my last listing got unwound during the acceptance process (as confirmed on the phone by Christian)

WHY I'M BORROWING
I am desperate to cut up my credit cards to encourage myself to get out of debt.

WHY I'M A SAFE PAIR OF HANDS
I have two jobs, the first of which (Contracts and Legal Co-ordinator) covers all of my monthly outgoings and my second job (call centre where I can regularly do overtime) covers my social life.
I am currently paying in excess of £140 per month towards my credit card debt and I am hoping to reduce this.

THE STATE OF MY FINANCES
I have never missed a mortgage payment or any of my monthly bills and own my car outright. I meet all my bills every month usually with enough left over to have evenings out with my partner and friends.
The reason I get rejected for a loan from Zopa is because the house that I purchased was reposessed from its previous owners and consequently has a bad mark against. I can afford this loan.

Below is the link for my previous listing.
https://uk.zopa.com /ZopaWeb/Listings/c onsolidate-existing -debts/trying-to-cu t-up-the-credit-car ds/5a05c6f9.html

The income figures shown below are after tax.

Income/Expenses

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Lending offers

  • Offer is winning Winning
  • Offer is conditional Conditional
  • Offer has lost Lost
#LENDERAMOUNTRATEDATE
1melton@aol.c£10.009.50 %28.06.08 13:16
2ajr257£20.009.50 %02.07.08 13:40
3ddwk£10.009.55 %03.07.08 13:57
41606pgs£20.009.77 %25.06.08 08:43
5philipg27£30.009.85 %01.07.08 02:58
6will111222£10.009.90 %04.07.08 08:58
7ddwk£10.009.98 %03.07.08 13:58
8goodwina£40.009.98 %03.07.08 18:53
9thierryuk£10.009.99 %26.06.08 09:17
10julianofsb£50.009.99 %28.06.08 23:55
11PaidPerClick£100.009.99 %01.07.08 19:44
12bbodien£50.009.99 %04.07.08 12:53
13zoot£10.0010.00 %24.06.08 18:40
14CAMELLANE£20.0010.00 %26.06.08 15:33
15jmcvs£20.0010.00 %01.07.08 21:58
16Vieites£20.0010.00 %02.07.08 00:04
17carpii£100.0010.00 %02.07.08 00:36
18brightside£10.0010.00 %02.07.08 08:15
19Telegraph£100.0010.00 %02.07.08 21:11
20maryellen50£10.0010.00 %03.07.08 08:27
21suzieg1£30.0010.00 %03.07.08 10:14
22Catlover£10.0010.00 %03.07.08 17:13
23naven08£20.0010.00 %03.07.08 20:07
24HappyJ£10.0010.00 %04.07.08 14:24
25RedTrader£10.0010.10 %03.07.08 08:59
26ChilliHead01£10.0010.25 %01.07.08 23:33
27Wellensian£90.0010.48 %02.07.08 10:12
28Tonyu£10.0010.49 %25.06.08 09:11
29garyjphill£50.0010.50 %24.06.08 18:44
30jon9e£10.0010.50 %03.07.08 17:20
31RobAdamson£10.0010.50 %03.07.08 22:50
32brightside£10.0010.50 %04.07.08 09:37
33gifthorse£50.0010.52 %04.07.08 08:33
34HutchC£10.0010.60 %03.07.08 22:02
35flex555£10.0010.70 %04.07.08 13:14
361606pgs£20.0010.79 %25.06.08 08:41
37cashsolution£20.0010.80 %03.07.08 23:24
38flex555£10.0010.90 %03.07.08 22:32
39barrington£20.0010.95 %04.07.08 11:03
40cheapermoney£60.0010.96 %03.07.08 23:50
41BURNSIE£10.0010.97 %03.07.08 20:00
42crayfish£10.0010.97 %04.07.08 12:44
43Swallowtail£10.0010.98 %03.07.08 18:53
44SkyRider£10.0010.98 %04.07.08 10:45
45johnwrr£100.0010.98 %04.07.08 12:41
46Tonyu£10.0010.99 %25.06.08 09:24
47stresspiggy£50.0010.99 %25.06.08 18:55
48sniphunter£180.0010.99 %03.07.08 08:08
49Lastresort£200.0011.00 %02.07.08 11:12
50cashsolution£50.0011.00 %04.07.08 07:09
51richardzop£50.0011.11 %29.06.08 19:27
52zopalender99£20.0011.20 %03.07.08 20:49
53SkyRider£10.0011.23 %04.07.08 10:45
54ChilliHead01£10.0011.25 %01.07.08 23:33
55markozzy£100.0011.25 %04.07.08 13:35
56crayfish£10.0011.28 %04.07.08 12:42
57craiggroom£10.0011.28 %04.07.08 13:22
58cheapermoney£100.0011.29 %03.07.08 21:06
59angelgabriel£100.0011.30 %03.07.08 14:53
60Nicki1968£10.0011.32 %03.07.08 23:13
61148bty£200.0011.33 %02.07.08 08:56
62Latrigg£30.0011.40 %04.07.08 11:00
63talesfrom£20.0011.48 %03.07.08 21:59
64glynzopa£50.0011.48 %04.07.08 14:33
65Tonyu£10.0011.49 %25.06.08 09:15
66SkyRider£10.0011.49 %02.07.08 20:32
67zun2003uk£20.0011.49 %03.07.08 18:47
68TEMPERHOT£100.0011.49 %04.07.08 14:34
69toprates£40.0011.50 %01.07.08 12:50
70philomena£100.0011.50 %03.07.08 21:05
71peddars£100.0011.50 %04.07.08 12:21
72talibs£20.0011.50 %04.07.08 12:57
73Wincelow£100.0011.50 %04.07.08 13:46
74harry28£10.0011.59 %03.07.08 07:10
75montoya£10.0011.59 %04.07.08 14:19
761606pgs£20.0011.74 %25.06.08 08:40
77garyjphill£10.0011.78 %04.07.08 14:19
78Swallowtail£10.0011.79 %04.07.08 14:18
79harry28£10.0011.79 %04.07.08 14:30
80TEMPERHOT£160.0011.79 %04.07.08 14:32
81Wincelow£100.0011.80 %04.07.08 10:57
82fooga0£50.0011.87 %04.07.08 00:35
83pomma9649£100.0011.90 %04.07.08 11:16
84splish£200.0011.90 %04.07.08 14:33
85pomma9649£100.0011.92 %04.07.08 14:32
86badgerloans£10.0011.93 %04.07.08 13:36
87johnwrr£100.0011.93 %04.07.08 14:19
88lukeybaby100£50.0011.94 %04.07.08 11:06
89jonbvn£150.0011.95 %04.07.08 06:25
90Lastresort£50.0011.95 %04.07.08 12:58
91silica190£30.0011.96 %03.07.08 22:35
92bancomundo£10.0011.96 %04.07.08 13:36
93hdh1948£10.0011.96 %04.07.08 14:25
94bennybank£10.0011.96 %04.07.08 14:33
95Ledney£200.0011.97 %04.07.08 10:42
96olis£10.0011.97 %04.07.08 13:04
97hdh1948£10.0011.97 %04.07.08 14:24
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100148bty£200.0011.98 %04.07.08 09:52
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102craiggroom£10.0011.98 %04.07.08 13:24
103hdh1948£10.0011.98 %04.07.08 14:24
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105objectlab£50.0011.98 %04.07.08 14:32
106Tonyu£10.0011.99 %02.07.08 17:11
107special112£10.0011.99 %03.07.08 15:23
108barrington£20.0011.99 %03.07.08 15:43
109trishm£120.0011.99 %03.07.08 18:36
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111ksg£50.0011.99 %03.07.08 19:56
112TEMPERHOT£670.0011.99 %03.07.08 22:33
113bayernm1206£200.0011.99 %04.07.08 12:45
114sl75£250.0011.99 %04.07.08 12:50
115sl75£250.0011.99 %04.07.08 12:50
116sl75£100.0011.99 %04.07.08 12:51
117SkyRider£10.0012.00 %24.06.08 17:41
118johnwrr£100.0012.00 %03.07.08 12:33
119Dave C£2,500.0012.00 %03.07.08 13:58
120bayernm1206£200.0012.00 %03.07.08 14:26
121bbodien£50.0012.00 %03.07.08 22:35
122talibs£20.0012.00 %04.07.08 12:01
123sl75£20.0012.10 %03.07.08 19:36
124aitchwac£10.0012.22 %04.07.08 10:19
125traceya£10.0012.23 %03.07.08 14:42
126Tonyu£10.0012.24 %02.07.08 17:13
127ChilliHead01£10.0012.25 %01.07.08 23:34
128Tonyu£10.0012.29 %02.07.08 17:13
129zopalender99£30.0012.30 %30.06.08 23:03
130Tonyu£10.0012.40 %02.07.08 17:11
131olis£10.0012.41 %02.07.08 09:16
132Tonyu£10.0012.42 %02.07.08 17:14
133talibs£20.0012.44 %01.07.08 22:19
134flex555£10.0012.45 %02.07.08 20:10
135silica190£10.0012.46 %04.07.08 08:22
136sl75£250.0012.47 %04.07.08 12:08
137shogun25£10.0012.48 %01.07.08 18:36
138talesfrom£20.0012.48 %02.07.08 17:41
139TEMPERHOT£100.0012.48 %02.07.08 22:37
140TEMPERHOT£50.0012.48 %02.07.08 22:38
141Simbette£250.0012.48 %03.07.08 10:47
142sl75£200.0012.48 %04.07.08 11:30
143148bty£200.0012.49 %01.07.08 10:13
144rwillmer£50.0012.49 %02.07.08 10:38
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172fromthebar£40.0014.60 %02.07.08 21:10
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193BaronWomble£90.0016.00 %02.07.08 17:41
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1951606pgs£20.0016.50 %01.07.08 15:11
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201BaronWomble£90.0017.00 %02.07.08 17:40
202jkh£10.0017.39 %02.07.08 23:40
203keithmac£10.0017.48 %02.07.08 23:48
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205148bty£200.0017.50 %01.07.08 10:11
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2131606pgs£10.0018.50 %01.07.08 15:12
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230loanshark99£50.0020.00 %02.07.08 21:23

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: Wednesday, 25th June 2008

Question asked by:

pomma9649

Question: hi Gazzamm - really sorry your previous listing got messed up at the final stage as I seem to remember it did quite well. I will be re-bidding on this one nearer the time.

Answer: Thank you Pomma9649.

I've spoken over the phone to a couple of staff members at ZOPA and have every confidence that it was a one off mishap.

They seem to take the time to know what's going on with their customers and even knew me by name without me even having to mention my log-in details. Makes me wonder how many people were discussing the glitch.

Meet the borrower

Borrower ID: Gazzamm

Age: 26-29

Zopa member since: 19.01.07

Identity: Verified

Banking details: Supplied

Borrower rating

Credit score

Affordability

Stability

Everyone who wants to borrow at Zopa is identity-checked, credit-checked and risk-assessed. We work with Callcredit 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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