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Want to pay off credit cards!

Loan amount

£10,100.00

Loan length

60 months

Preferred rate

11.00%

Loan purpose

Consolidate existing debts

Progress:

100%

153 offers (18.26% avg)

Listing ends:

14.10.2008 - 6:36 PM (Ended)

Accepted

Personal profile

WHY I'M BORROWING
I want to pay off my full balance on credit cards as a loan would mean lower monthly payments leaving me with more money.

WHY I'M A SAFE PAIR OF HANDS
I alwaysmake sure I pay everything on time. I have a HP agreement on my car - never missed a payment in 2 years. I have 3 properties with mortgages on - one for 2 years one for a year and one for 9 months, again all are always paid.

THE STATE OF MY FINANCES
My finances are good - my mortgages are covered by long term tenants.

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	patcoll	£10.00	13.50 %	13.10.08 18:50
2	Ameretto	£10.00	13.98 %	13.10.08 18:04
3	sargeaunt	£10.00	13.99 %	13.10.08 10:06
4	cashsolution	£20.00	14.00 %	12.10.08 18:48
5	skyrocket	£50.00	14.00 %	13.10.08 01:06
6	gabnash	£30.00	14.01 %	14.10.08 15:53
7	BankOfBud	£10.00	14.10 %	10.10.08 10:44
8	sargeaunt	£10.00	14.49 %	13.10.08 10:06
9	adelfas2	£50.00	14.49 %	13.10.08 12:08
10	wave rider	£30.00	14.49 %	13.10.08 15:37
11	Woolgie	£30.00	14.50 %	10.10.08 19:22
12	Andy-B	£10.00	14.50 %	13.10.08 09:08
13	SkyRider	£10.00	14.75 %	14.10.08 14:13
14	cloudcuckoo	£40.00	14.88 %	13.10.08 17:17
15	cruckbeam	£200.00	14.90 %	12.10.08 19:19
16	fmayfield	£20.00	14.98 %	12.10.08 20:29
17	sargeaunt	£10.00	14.98 %	13.10.08 10:07
18	Buckles	£10.00	14.99 %	10.10.08 17:47
19	stu4rt	£10.00	14.99 %	12.10.08 17:47
20	haltre	£20.00	14.99 %	13.10.08 13:07
21	melton@aol.c	£10.00	15.00 %	10.10.08 17:21
22	ramseyaitch	£20.00	15.00 %	11.10.08 15:45
23	cezary1111	£10.00	15.00 %	11.10.08 22:50
24	winnit54	£10.00	15.00 %	12.10.08 17:01
25	rwillmer	£20.00	15.00 %	13.10.08 09:28
26	TingB	£30.00	15.00 %	13.10.08 14:34
27	Wangja	£10.00	15.00 %	14.10.08 03:58
28	cashsolution	£10.00	15.00 %	14.10.08 10:52
29	SkyRider	£10.00	15.25 %	14.10.08 14:13
30	PaidPerClick	£20.00	15.39 %	14.10.08 18:35
31	Wymering	£100.00	15.50 %	13.10.08 09:54
32	louandrob	£30.00	15.59 %	13.10.08 13:37
33	blackburne	£10.00	15.70 %	12.10.08 17:08
34	nessiefewt	£10.00	15.74 %	12.10.08 20:42
35	cloudcuckoo	£10.00	15.88 %	09.10.08 18:47
36	cloudcuckoo	£50.00	15.88 %	13.10.08 17:16
37	Swallowtail	£10.00	15.99 %	13.10.08 21:22
38	TEMPERMOD	£100.00	15.99 %	14.10.08 14:15
39	148bty	£200.00	16.00 %	12.10.08 17:56
40	mistochele	£50.00	16.00 %	13.10.08 20:35
41	Wangja	£10.00	16.00 %	14.10.08 06:47
42	sargeaunt	£10.00	16.00 %	14.10.08 17:36
43	tindrum	£10.00	16.49 %	14.10.08 15:47
44	ZMP	£50.00	16.72 %	12.10.08 10:29
45	cloudcuckoo	£60.00	16.88 %	13.10.08 17:16
46	loanshark99	£50.00	16.98 %	14.10.08 09:42
47	Wymering	£100.00	16.99 %	13.10.08 09:57
48	acg1809	£20.00	16.99 %	13.10.08 13:51
49	148bty	£200.00	17.00 %	12.10.08 17:55
50	whitenightuk	£10.00	17.00 %	12.10.08 23:32
51	smiler177	£20.00	17.00 %	14.10.08 00:38
52	Wangja	£300.00	17.00 %	14.10.08 06:59
53	sargeaunt	£10.00	17.00 %	14.10.08 17:37
54	angelgabriel	£40.00	17.10 %	14.10.08 09:38
55	cloudcuckoo	£100.00	17.45 %	13.10.08 18:44
56	p2pworks	£100.00	17.47 %	12.10.08 10:39
57	PurpleTree	£20.00	17.48 %	10.10.08 15:42
58	rwillmer	£20.00	17.50 %	13.10.08 09:27
59	ridera	£20.00	17.50 %	13.10.08 11:33
60	WullyNully	£30.00	17.50 %	14.10.08 18:23
61	rmorgan	£10.00	17.75 %	12.10.08 13:11
62	surefire	£100.00	17.75 %	14.10.08 18:27
63	cloudcuckoo	£70.00	17.88 %	13.10.08 17:16
64	cashsolution	£20.00	17.90 %	14.10.08 10:51
65	loanshark99	£50.00	17.94 %	14.10.08 09:40
66	Tonyu	£10.00	17.95 %	13.10.08 01:26
67	silica190	£50.00	17.96 %	13.10.08 23:43
68	oubliette	£10.00	17.98 %	14.10.08 13:44
69	twonki	£50.00	17.99 %	13.10.08 06:45
70	glynzopa	£50.00	17.99 %	14.10.08 01:09
71	148bty	£200.00	18.00 %	12.10.08 17:54
72	NessBank	£50.00	18.00 %	12.10.08 20:52
73	whitenightuk	£10.00	18.00 %	12.10.08 23:32
74	TingB	£30.00	18.00 %	13.10.08 14:02
75	philomena	£10.00	18.00 %	13.10.08 20:16
76	ukdavies	£180.00	18.00 %	13.10.08 21:11
77	Wangja	£200.00	18.00 %	13.10.08 23:20
78	sargeaunt	£10.00	18.00 %	14.10.08 17:37
79	philomena	£10.00	18.25 %	13.10.08 20:16
80	surefire	£100.00	18.25 %	14.10.08 18:25
81	olesha	£10.00	18.45 %	11.10.08 20:45
82	cornetto	£100.00	18.48 %	14.10.08 15:27
83	loanshark99	£50.00	18.49 %	14.10.08 09:41
84	chumby	£10.00	18.50 %	13.10.08 14:35
85	kirklean	£50.00	18.50 %	13.10.08 16:47
86	toprates	£100.00	18.50 %	13.10.08 17:26
87	philomena	£10.00	18.50 %	13.10.08 20:14
88	louandrob	£10.00	18.70 %	14.10.08 13:00
89	CAMELLANE	£20.00	18.75 %	13.10.08 09:55
90	philomena	£20.00	18.75 %	14.10.08 16:25
91	kathmonika	£20.00	18.84 %	14.10.08 18:33
92	philipg27	£10.00	18.85 %	14.10.08 17:53
93	cloudcuckoo	£80.00	18.88 %	13.10.08 17:16
94	mowisqu	£50.00	18.88 %	14.10.08 12:07
95	fromthebar	£40.00	18.90 %	13.10.08 21:54
96	AndyJK	£10.00	18.93 %	14.10.08 18:02
97	loanshark99	£50.00	18.94 %	14.10.08 17:43
98	Tonyu	£10.00	18.95 %	13.10.08 01:26
99	careful	£10.00	18.96 %	14.10.08 14:27
100	johnwrr	£100.00	18.96 %	14.10.08 18:30
101	kathmonika	£20.00	18.96 %	14.10.08 18:31
102	cjalexander	£90.00	18.97 %	14.10.08 12:22
103	Swallowtail	£10.00	18.97 %	14.10.08 18:34
104	100davidl	£10.00	18.97 %	14.10.08 18:35
105	Longitude	£10.00	18.98 %	13.10.08 19:12
106	IRbaboon	£1,000.00	18.98 %	14.10.08 18:31
107	Cameron99	£50.00	18.99 %	13.10.08 00:08
108	sniphunter	£110.00	18.99 %	14.10.08 13:55
109	148bty	£200.00	19.00 %	12.10.08 17:53
110	NessBank	£50.00	19.00 %	12.10.08 20:53
111	zizizop	£10.00	19.00 %	13.10.08 02:36
112	clive1958	£100.00	19.00 %	13.10.08 16:44
113	Prodigy1981	£10.00	19.00 %	14.10.08 09:22
114	cashsolution	£20.00	19.00 %	14.10.08 10:51
115	emmbee	£40.00	19.00 %	14.10.08 12:24
116	sargeaunt	£10.00	19.00 %	14.10.08 17:37
117	novemberkind	£200.00	19.00 %	14.10.08 17:59
118	SPECTASTIC	£50.00	19.00 %	14.10.08 18:35
119	weeguy	£200.00	19.00 %	14.10.08 18:35
120	TEMPERMOD	£100.00	19.01 %	14.10.08 14:12
121	jamesd	£10.00	19.10 %	12.10.08 10:47
122	jamesd	£10.00	19.20 %	12.10.08 10:47
123	robabersoch	£200.00	19.24 %	14.10.08 18:33
124	trishm	£60.00	19.25 %	12.10.08 10:50
125	madmalc1	£150.00	19.25 %	14.10.08 18:29
126	jamesd	£10.00	19.30 %	12.10.08 10:46
127	ee9938	£10.00	19.35 %	14.10.08 10:33
128	jkh	£10.00	19.35 %	14.10.08 18:30
129	ulisseuk	£10.00	19.35 %	14.10.08 18:35
130	cornetto	£200.00	19.36 %	14.10.08 09:52
131	careful	£10.00	19.36 %	14.10.08 17:54
132	Hywel	£10.00	19.36 %	14.10.08 18:35
133	oubliette	£10.00	19.37 %	13.10.08 01:18
134	kathmonika	£20.00	19.37 %	14.10.08 18:28
135	IRbaboon	£1,000.00	19.37 %	14.10.08 18:34
136	Hywel	£10.00	19.37 %	14.10.08 18:34
137	jamesd	£10.00	19.38 %	12.10.08 10:45
138	Longitude	£10.00	19.38 %	13.10.08 10:05
139	Istvan	£20.00	19.38 %	13.10.08 18:11
140	rajram	£50.00	19.38 %	14.10.08 15:55
141	Lender-Roger	£30.00	19.38 %	14.10.08 17:31
142	johnwrr	£300.00	19.38 %	14.10.08 18:29
143	148bty	£200.00	19.39 %	12.10.08 17:52
144	sl75	£400.00	19.40 %	12.10.08 00:59
145	pipoka	£50.00	19.45 %	13.10.08 13:14
146	jamesd	£10.00	19.50 %	12.10.08 10:45
147	zizizop	£10.00	19.50 %	13.10.08 02:41
148	ramseyaitch	£20.00	19.50 %	13.10.08 16:11
149	marsbar	£10.00	19.50 %	13.10.08 20:56
150	cashsolution	£10.00	19.50 %	14.10.08 10:52
151	stu151	£20.00	19.56 %	14.10.08 18:35
152	jamesd	£10.00	19.60 %	12.10.08 10:45
153	IRbaboon	£1,300.00	19.69 %	14.10.08 18:35
154	jamesd	£10.00	19.70 %	12.10.08 10:44
155	fromthebar	£40.00	19.70 %	14.10.08 17:03
156	flex555	£100.00	19.70 %	14.10.08 18:32
157	shart14	£10.00	19.70 %	14.10.08 18:32
158	pomma9649	£50.00	19.75 %	12.10.08 19:07
159	will111222	£10.00	19.75 %	14.10.08 06:36
160	JJ07	£10.00	19.75 %	14.10.08 12:29
161	rmorgan	£10.00	19.75 %	14.10.08 17:11
162	kathmonika	£20.00	19.75 %	14.10.08 18:09
163	trishm	£60.00	19.75 %	14.10.08 18:34
164	mayday	£30.00	19.76 %	13.10.08 23:45
165	EasyPeasy	£50.00	19.77 %	14.10.08 18:33
166	ligaya	£10.00	19.78 %	14.10.08 16:32
167	jkh	£10.00	19.78 %	14.10.08 18:29
168	alexspratt	£20.00	19.79 %	12.10.08 15:31
169	flex555	£250.00	19.79 %	14.10.08 17:15
170	jamesd	£10.00	19.80 %	12.10.08 10:44
171	robabersoch	£200.00	19.80 %	12.10.08 11:01
172	philipg27	£10.00	19.85 %	14.10.08 17:52
173	jkh	£10.00	19.87 %	14.10.08 18:30
174	cloudcuckoo	£90.00	19.88 %	13.10.08 17:15
175	jamesd	£10.00	19.90 %	12.10.08 10:43
176	weeguy	£70.00	19.90 %	12.10.08 19:10
177	JamesBS	£50.00	19.90 %	14.10.08 18:32
178	stu151	£50.00	19.94 %	14.10.08 06:58
179	Longitude	£10.00	19.95 %	13.10.08 19:09
180	dp778	£20.00	19.95 %	14.10.08 12:33
181	careful	£10.00	19.96 %	12.10.08 21:46
182	mayday	£10.00	19.96 %	14.10.08 10:11
183	kathmonika	£20.00	19.96 %	14.10.08 18:07
184	jkh	£10.00	19.96 %	14.10.08 18:29
185	peddars	£200.00	19.96 %	14.10.08 18:35
186	EasyPeasy	£50.00	19.97 %	12.10.08 21:40
187	sargeaunt	£10.00	19.97 %	14.10.08 17:38
188	Swallowtail	£10.00	19.97 %	14.10.08 18:06
189	TEMPERHOT	£230.00	19.97 %	14.10.08 18:17
190	peddars	£200.00	19.97 %	14.10.08 18:33
191	special112	£10.00	19.98 %	10.10.08 17:56
192	jamesd	£10.00	19.98 %	12.10.08 10:42
193	PaidPerClick	£20.00	19.98 %	14.10.08 12:38
194	easteregg	£50.00	19.98 %	14.10.08 12:40
195	cheapermoney	£100.00	19.98 %	14.10.08 17:27
196	oubliette	£10.00	19.98 %	14.10.08 18:03
197	SPECTASTIC	£50.00	19.98 %	14.10.08 18:09
198	Longitude	£10.00	19.98 %	14.10.08 18:16
199	subjective	£30.00	19.98 %	14.10.08 18:26
200	peddars	£200.00	19.98 %	14.10.08 18:31
201	weeguy	£200.00	19.98 %	14.10.08 18:31
202	Tonyu	£10.00	19.99 %	10.10.08 16:54
203	easteregg	£10.00	19.99 %	11.10.08 10:05
204	easteregg	£40.00	19.99 %	12.10.08 19:08
205	JamesBS	£100.00	19.99 %	12.10.08 20:28
206	running bear	£100.00	19.99 %	13.10.08 17:06
207	EasyPeasy	£50.00	19.99 %	13.10.08 21:49
208	pomma9649	£50.00	19.99 %	14.10.08 13:10
209	running bear	£400.00	19.99 %	14.10.08 17:28
210	winnit54	£10.00	19.99 %	14.10.08 18:13
211	subjective	£20.00	19.99 %	14.10.08 18:27
212	peddars	£200.00	19.99 %	14.10.08 18:27
213	jmh131313	£50.00	19.99 %	14.10.08 18:28
214	TEMPERMOD	£10.00	19.99 %	14.10.08 18:32
215	d3athcard	£10.00	20.00 %	10.10.08 15:07
216	robabersoch	£200.00	20.00 %	10.10.08 19:21
217	johnwrr	£100.00	20.00 %	12.10.08 11:41
218	novemberkind	£200.00	20.00 %	12.10.08 16:46
219	148bty	£200.00	20.00 %	12.10.08 17:51
220	daverave999	£10.00	20.00 %	12.10.08 19:29
221	Wangja	£10.00	20.00 %	12.10.08 22:06
222	rwillmer	£20.00	20.00 %	13.10.08 09:27
223	pdmartin	£20.00	20.00 %	13.10.08 12:24
224	weescotsguy	£20.00	20.00 %	13.10.08 17:05
225	Tonyu	£100.00	20.00 %	13.10.08 17:41
226	gormless	£10.00	20.00 %	14.10.08 10:43
227	kirklean	£50.00	20.00 %	14.10.08 11:56
228	Filántropo	£250.00	20.00 %	14.10.08 12:49
229	good deal	£20.00	20.00 %	14.10.08 13:01
230	AdamS	£10.00	20.00 %	14.10.08 13:31
231	ranbir	£20.00	20.00 %	14.10.08 13:41
232	shart14	£10.00	20.00 %	14.10.08 14:36
233	cashsolution	£20.00	20.00 %	14.10.08 16:10
234	flex555	£200.00	20.00 %	14.10.08 17:16
235	weeguy	£200.00	20.00 %	14.10.08 18:10
236	Lender-Roger	£20.00	20.00 %	14.10.08 18:17

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, 9th October 2008

Question asked by:

cloudcuckoo

Question: Hi Dave, welcome to Zopa. What credit cards have you got right now, and what APR are you paying on them?

Answer: I have 3 - Halifax @ 15.9%. MBNA 0% until Jan & Marks & Spencer @ 15.9%

Question asked on: Friday, 10th October 2008

Question asked by:

148bty

Question: What is the debt to MBNA (as a percentage) of the total owed on the three card?

I can see you are forward planning, so good luck with the loan,

Answer: There is about 30% on the MBNA card

Question asked on: Monday, 13th October 2008

Question asked by:

subjective

Question: can I ask about the BTL deals. when did you buy the properties (call them a, b and c) what are the LTVs on property a,b and c and based on valuations from when? what is the total mortgage debt?

what is your occupation?

Sorry for all your questions. I'm just a little concerned that you might be overstretched and I need some clarification before I can commit any money

Answer: A - 60% LTV owned for 2 years £42,500
B - 85% LTV owned for 1 year £133,000
C - 90% LTV owned since december £117,000

All are covered by tenants and make £400 profit. I work in car sales.

Question asked on: Monday, 13th October 2008

Question asked by:

Tonyu

Question: Hi,

Please could you say were this debt came from, student loan, new car etc?

All The Best,

T.

Answer: £3000 was from a motorbike and the rest was on refurbishment to the property I own.

Meet the borrower

Borrower ID: daveholt88

Age: 20-25

Zopa member since: 08.10.08

Identity: Verifie

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cloudcuckoo

148bty

subjective

Tonyu

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