Couple to spread the cost of a well deserved holiday of our lifetime for both our 40th birthday...
Listing ends:
14.02.2010 - 6:46 AM
(Ended)
Not accepted
Personal profile
WHY I'M BORROWING
Worked for the same organisation for 22 years and both reaching the ripe old age of 40 in May. Planned and research the holiday of our lifetime to SA on Safari and a stay in Cape town with lots of others stuff in between.
ANY EXISTING ZOPA LOANS & PREVIOUS APPLICATIONS
Never applied for ZOPA loan before.
WHY I'M A SAFE PAIR OF HANDS
I have never, ever, ever defaulted, missed payment of anything since 18 and have a very stable job of 22years working for a very large european IT distribution company. I have a very well paid role withing the organization and highly regarded by my employers
THE STATE OF MY FINANCES
The following listing is what I pay out each month.
-100 Council
-37 bgas
-43.48 bgas services
-38.21 payment prot
-108 card
-35.76 garage
-25.58 swinton
-18 denplan
-13.26 pru
-12.12 tv
-19.28 cats
-51 bgas
-630 mortgage
-123.1 hitachi 3 months left
-54 o2
-27 loto
-359 interest mortgage
-1694.79 TOTAL
Without commission which I earn regularly I take home 3,000pm. My annual salary inc commission which is a bonus is regularly 70,000pa
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| 1 | AratedDotCom | £10.00 | 5.00 % | 13.02.10 16:31 | |
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| 49 | TONYJEN | £20.00 | 11.97 % | 12.02.10 15:51 | |
| 50 | hooli1971 | £10.00 | 11.98 % | 11.02.10 16:20 | |
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| 52 | CAMELLANE | £30.00 | 11.99 % | 12.02.10 12:29 | |
| 53 | talesfrom | £10.00 | 12.00 % | 09.02.10 07:26 | |
| 54 | cassa1978 | £10.00 | 12.00 % | 09.02.10 19:49 | |
| 55 | Sels | £50.00 | 12.00 % | 11.02.10 08:57 | |
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| 64 | Chris4646 | £40.00 | 12.50 % | 13.02.10 10:57 | |
| 65 | Maturebutfun | £10.00 | 12.50 % | 13.02.10 17:06 | |
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| 88 | joeclayton | £670.00 | 14.91 % | 13.02.10 20:44 | |
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| 94 | delancepants | £10.00 | 14.99 % | 10.02.10 21:05 | |
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| 137 | hankey | £20.00 | 18.00 % | 14.02.10 00:32 | |
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| 153 | rbrant | £300.00 | 19.00 % | 14.02.10 06:45 | |
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| 156 | joeclayton | £200.00 | 19.12 % | 12.02.10 19:26 | |
| 157 | Lohmeyer1 | £60.00 | 19.13 % | 12.02.10 15:36 | |
| 158 | fromthebar | £10.00 | 19.40 % | 14.02.10 06:43 | |
| 159 | EasyPeasy | £50.00 | 19.50 % | 13.02.10 21:03 | |
| 160 | rbrant | £100.00 | 19.50 % | 14.02.10 06:46 | |
| 161 | fromthebar | £10.00 | 19.80 % | 14.02.10 06:46 | |
| 162 | genesis08 | £10.00 | 19.89 % | 13.02.10 10:57 | |
| 163 | benscash | £10.00 | 19.90 % | 12.02.10 20:53 | |
| 164 | SCW | £100.00 | 19.90 % | 13.02.10 20:45 | |
| 165 | fromthebar | £10.00 | 19.90 % | 14.02.10 06:43 | |
| 166 | antrixx | £10.00 | 19.94 % | 10.02.10 09:21 | |
| 167 | briary | £20.00 | 19.94 % | 13.02.10 13:04 | |
| 168 | lesliet | £10.00 | 19.95 % | 09.02.10 16:43 | |
| 169 | Eddy45 | £20.00 | 19.98 % | 12.02.10 17:29 | |
| 170 | Union | £10.00 | 19.99 % | 10.02.10 17:01 | |
| 171 | delancepants | £10.00 | 19.99 % | 10.02.10 21:03 | |
| 172 | Yachtsman | £10.00 | 19.99 % | 13.02.10 18:48 | |
| 173 | pennydaisy | £100.00 | 19.99 % | 13.02.10 23:32 | |
| 174 | CMike | £30.00 | 19.99 % | 14.02.10 00:01 | |
| 175 | JamesBS | £100.00 | 20.00 % | 09.02.10 09:15 | |
| 176 | Alexandgreat | £20.00 | 20.00 % | 09.02.10 12:23 | |
| 177 | hankey | £20.00 | 20.00 % | 09.02.10 14:38 | |
| 178 | MrHenderson | £10.00 | 20.00 % | 09.02.10 18:35 | |
| 179 | Union | £10.00 | 20.00 % | 10.02.10 12:20 | |
| 180 | andyF1 | £10.00 | 20.00 % | 11.02.10 09:49 | |
| 181 | Union | £10.00 | 20.00 % | 12.02.10 14:08 | |
| 182 | Teazza | £10.00 | 20.00 % | 12.02.10 15:46 | |
| 183 | atotori | £10.00 | 20.00 % | 12.02.10 19:25 | |
| 184 | Wangja | £10.00 | 20.00 % | 13.02.10 01:56 | |
| 185 | Ares | £10.00 | 20.00 % | 13.02.10 03:51 | |
| 186 | DaveCustard | £100.00 | 20.00 % | 13.02.10 11:47 | |
| 187 | Union | £20.00 | 20.00 % | 13.02.10 14:39 | |
| 188 | Union | £20.00 | 20.00 % | 13.02.10 20:19 | |
| 189 | Union | £10.00 | 20.00 % | 13.02.10 20:22 | |
| 190 | MisterMoney | £190.00 | 20.00 % | 13.02.10 20:58 | |
| 191 | CMike | £10.00 | 20.00 % | 14.02.10 00:00 | |
| 192 | rbrant | £300.00 | 20.00 % | 14.02.10 06:44 | |
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:
Tuesday, 9th February 2010
Question asked by:
averygoodbar
Question:
dsainsbury,
You might want to look at other listings to get an idea how this works and the likelihood of such an ambitious outcome. In my experience as a lender, you don't have a chance in hell at getting 4%.
You have to remember that lenders have to pay fees and tax on money they lend so, to reach an average of 4%, that doesn't offer any return on investment.
Let's be fair here, would any bank give you such a low rate?
averygoodbar
Answer:
Point taken and understand. I have amended my desired rate taking into account your comments. THANK YOU
Question asked on:
Tuesday, 9th February 2010
Question asked by:
ZopaStaff
Question:
This question is posed by Zopa Staff and is being asked so that you can clarify the information provided on your Listing to Zopa lenders who are considering bidding. Failure to respond to this question in a timely manner may result in your Listing being withdrawn.
Hi dsainsbury,
As discussed please can you give a breakdown of the £3000 you receive a month and please also give the total you have outstanding on your credit cards currently?
Thanks.
Zopa.
Answer:
My income of £3000pm is made up of £2700 salary and £300 monthly contribution to household by my partner. I also have one main credit card that has a balance of £5100 currently owing on it.
Question asked on:
Wednesday, 10th February 2010
Question asked by:
Xanadu5
Question:
Hi dsainsbury
Are you willing to indicate your preferred rate in more realistic terms? You look to be a good potential borrower, but I'm not going to tie money up in a Listing that will either not be fully funded, or that you will ultimately decline because you regard the rate as too high. My guess is that I'm not alone.
Answer:
My main aim is to beat the banks. Currently the best offer I can find out there is 7.9 from aliance and leics so anything below would be accepted by me if I get full funding. I joined ZOPA also as a lender to stick my fingers up at the banks really as they rip people off and gready. Love the CO-Operative way that ZOPA lends... POWER TO THE PEOPLE.. :-)
Question asked on:
Thursday, 11th February 2010
Question asked by:
Bobsie
Question:
You have a good monthly income but there is no sign of saving and the credit card debt is surprising. Why and why?
Answer:
I have savings tied up in zopa and places where i cant get access to it easily not massive but healthy sum for rainy day. The credit card is interest free for another 6months and will be paid off when it runs out.
Question asked on:
Friday, 12th February 2010
Question asked by:
ballix
Question:
hello
please can you explain how you intend to pay off the credit card balance when the interest free periods run out?
will you use those savings or else
thanks and good luck..
Answer:
I will use my saving to clear when credit card 0% run out. Thanks Darren
Question asked on:
Friday, 12th February 2010
Question asked by:
GBHAXX
Question:
Wishing you a great holiday. Cape Town, the Garden Route, and Safari are all amazing. Make sure you stop stop off in Franschhoek.
Quick question, why such a specific amount £8,120? Also if it's not to imposing, why so much for a holiday? £8k goes a long way in ZA. If you're doing it in style, that will be good enough for me.
Good luck.
Answer:
Request is for cost of hol and 1,000 spending money. We cant wait. Yes you are right because its such a landmark birthday for us both we have done it in style. starting off in Livingstone and staying on a island on the Zambezi...the to cape town and finishing off in kruger park in a very posh lodge. :-)
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