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BT pensioner,stretched by purchase of new car and static home in 2009.Now in the red!!

Loan amount
£2,120.00
Loan length
24 months
Preferred rate
7.90%
Loan purpose
Other
Progress:
100%

52 offers (7.29% avg)

Listing ends:
10.02.2010 - 3:01 AM (Ended)
Accepted

Personal profile

WHY I'M BORROWING
To clear overdraft in my normal current account.
I have made no previous applications for a Zopa loan,but do have approx £2000 invested in Zopa as a lender."Secondary markets" have not yet appeared,so I cannot release my Zopa investment.

WHY I'M A SAFE PAIR OF HANDS
Regular money comes in to my current account from a trusted source.ie BT pension....This is supplemented by the meagre trickleback of my investment with Zopa

THE STATE OF MY FINANCES
I have no commitments to loan companies,hire purchase companies,my credit card bill arrives each month and is paid in full.(by direct debit).

Income/Expenses

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Lending offers

  • Offer is winning Winning
  • Offer is conditional Conditional
  • Offer has lost Lost
#LENDERAMOUNTRATEDATE
1Jutambuster£10.006.99 %09.02.10 18:31
2blueskies148£20.006.99 %10.02.10 00:23
3Grimble01£20.007.00 %04.02.10 14:39
4dginz£200.007.00 %09.02.10 16:14
5troy99£10.007.00 %09.02.10 16:19
6SIME28100£10.007.00 %09.02.10 21:27
7rlange2£30.007.00 %09.02.10 21:30
8itdoctor£50.007.00 %09.02.10 21:56
9davegf£10.007.00 %09.02.10 22:21
10allyfrancis£50.007.00 %09.02.10 22:52
11nielscam£10.007.09 %09.02.10 22:41
12Moet£30.007.10 %09.02.10 18:38
13Designer1£10.007.15 %09.02.10 18:43
14WIREBENDER£10.007.19 %09.02.10 22:15
15hankey£30.007.20 %09.02.10 14:42
16rampz£60.007.20 %09.02.10 17:07
17yeoman23£100.007.21 %09.02.10 20:42
18vanoerle£50.007.24 %09.02.10 21:52
19civpol12780£50.007.25 %03.02.10 14:42
20jbates£10.007.25 %09.02.10 20:06
21Rewby1£50.007.25 %09.02.10 21:41
22gopher25£50.007.25 %09.02.10 22:17
23Sears£30.007.30 %09.02.10 21:07
24pleasance£70.007.36 %09.02.10 23:31
25mike45£50.007.37 %09.02.10 23:25
26upside£10.007.38 %09.02.10 23:05
27jjintheuk£40.007.39 %09.02.10 22:24
28gringogordo£10.007.40 %09.02.10 20:45
29Redbush001£10.007.40 %09.02.10 22:50
30EasyPeasy£30.007.40 %09.02.10 23:33
31jhelpit£50.007.40 %10.02.10 00:18
32blueskies148£20.007.40 %10.02.10 00:22
33chakred£10.007.40 %10.02.10 01:59
34special112£10.007.41 %09.02.10 20:16
35mach1004£50.007.41 %09.02.10 20:38
36rich2385£10.007.41 %10.02.10 01:04
37suej7171£100.007.42 %09.02.10 19:53
38WIREBENDER£10.007.43 %09.02.10 18:34
39nielscam£10.007.43 %09.02.10 22:42
40davidj37£40.007.43 %09.02.10 23:00
41statyfac£20.007.44 %09.02.10 16:05
42mike45£100.007.44 %09.02.10 20:37
43lordsnooty01£20.007.45 %04.02.10 13:17
44yeoman23£300.007.45 %09.02.10 14:34
45upside£20.007.46 %09.02.10 22:48
46jpgould£10.007.46 %09.02.10 23:21
47mike45£50.007.47 %09.02.10 20:39
48rosicni£100.007.47 %09.02.10 20:45
49normski99£50.007.47 %09.02.10 23:02
50Union£10.007.47 %10.02.10 02:10
51WIREBENDER£10.007.48 %09.02.10 14:26
52kinglonewolf£10.007.48 %09.02.10 22:56
53Union£10.007.48 %10.02.10 00:00
54cherylhyde£10.007.49 %09.02.10 08:58
55heliped£20.007.49 %09.02.10 15:31
56Bazzabazza£50.007.49 %09.02.10 15:31
57rajram£20.007.49 %09.02.10 21:56
58jpgould£10.007.49 %09.02.10 21:57
59keng01£70.007.49 %09.02.10 21:59
60Union£10.007.49 %09.02.10 23:21
61ratty69£20.007.50 %02.02.10 19:27
62sandhu54£10.007.50 %02.02.10 19:41
63Jutambuster£10.007.50 %08.02.10 10:26
64maheshdesai£20.007.50 %08.02.10 12:05
65Freckles28£10.007.50 %08.02.10 17:30
66mcquiren13£150.007.50 %09.02.10 12:38
67fourjohn£20.007.50 %09.02.10 15:13
68locoman47£10.007.50 %09.02.10 17:23
69FreddieMac£10.007.50 %09.02.10 18:10
70gopher25£50.007.50 %09.02.10 20:17
71MaxM£10.007.50 %09.02.10 21:20
72Alexandgreat£20.007.51 %09.02.10 18:51
73Eddy45£50.007.56 %09.02.10 14:35
74JLC1£10.007.59 %09.02.10 22:11
75lennymutt£30.007.60 %08.02.10 10:53
76jpgould£10.007.60 %09.02.10 21:56
77westernsheik£10.007.63 %09.02.10 20:36
78ZopNorm£80.007.65 %09.02.10 18:16
79rich2385£30.007.67 %09.02.10 20:15
80lennon300£40.007.68 %09.02.10 19:41
81westernsheik£10.007.69 %09.02.10 19:28
82westernsheik£10.007.69 %09.02.10 20:35
83philgooch72£10.007.69 %09.02.10 20:45
84headley£10.007.70 %09.02.10 07:50
85visiong72£10.007.70 %09.02.10 18:14
86upside£20.007.71 %09.02.10 18:28
87alexp2000£30.007.71 %09.02.10 18:47
88westernsheik£10.007.71 %09.02.10 19:27
89WIREBENDER£10.007.72 %09.02.10 14:25
90ballix£20.007.73 %09.02.10 12:21
91Jutambuster£10.007.73 %09.02.10 18:32
92westernsheik£10.007.73 %09.02.10 19:27
93mcquiren13£100.007.73 %09.02.10 20:08
94suej7171£100.007.74 %09.02.10 10:02
95Dave4Skents£30.007.75 %01.02.10 23:02
96Orchardgate£20.007.75 %02.02.10 10:25
97donnybank£100.007.75 %09.02.10 09:21
98ogbourne£20.007.75 %09.02.10 13:44
99NessBank£50.007.75 %09.02.10 19:22
100Rewby1£50.007.76 %09.02.10 18:08
101davidj37£40.007.78 %09.02.10 17:07
102pleasance£70.007.79 %09.02.10 17:05
103dsainsbury£30.007.79 %09.02.10 17:55
104westernsheik£10.007.79 %09.02.10 19:26
10550one£20.007.80 %07.02.10 12:08
106pegsy1944£50.007.80 %09.02.10 14:41
107slmcmullon£60.007.81 %09.02.10 17:41
108Jutambuster£10.007.83 %09.02.10 18:32
109orbit12£20.007.89 %09.02.10 14:21
110keng01£70.007.89 %09.02.10 15:22
111gopher25£50.007.90 %09.02.10 13:16
112Bluemax08£80.007.90 %09.02.10 13:47
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114alexp2000£30.007.93 %09.02.10 09:37
115normah£30.007.94 %04.02.10 09:05
116statyfac£20.007.94 %08.02.10 09:39
117upside£20.007.94 %09.02.10 14:38
118CATNIC22£150.007.95 %03.02.10 17:58
119rich2385£20.007.95 %09.02.10 14:46
120nielscam£20.007.96 %09.02.10 11:36
121lennon300£40.007.96 %09.02.10 12:48
122WIREBENDER£10.007.97 %09.02.10 09:45
123suej7171£50.007.97 %09.02.10 09:57
124Alexandgreat£20.007.98 %03.02.10 12:00
125Robinet£20.007.98 %08.02.10 11:05
126harrison1£10.007.98 %08.02.10 17:56
127WN£10.007.99 %31.01.10 07:38
128simmo7£10.007.99 %03.02.10 12:36
129dsainsbury£10.007.99 %07.02.10 21:38
130dsainsbury£30.007.99 %07.02.10 21:38
131pleasance£50.007.99 %09.02.10 11:10
132pleasance£20.007.99 %09.02.10 13:54
133vanoerle£50.007.99 %09.02.10 14:05
134rampz£40.008.00 %31.01.10 23:10
135roger101£10.008.00 %01.02.10 09:45
136daftie£20.008.00 %01.02.10 15:36
137locoman47£20.008.00 %01.02.10 16:32
138jeepacer01£50.008.00 %03.02.10 07:48
139yeoman23£300.008.00 %03.02.10 10:18
140no1gem£50.008.00 %07.02.10 10:02
141keng01£30.008.00 %08.02.10 09:40
142fremen53£10.008.00 %08.02.10 14:55
143Bazzabazza£50.008.00 %08.02.10 16:10
144philgooch72£10.008.00 %08.02.10 21:34
145keng01£40.008.00 %08.02.10 22:24
146hrmrdh£10.008.01 %09.02.10 13:57
147sheepieju£20.008.02 %08.02.10 22:37
148davidj37£40.008.03 %09.02.10 12:13
149OldxGandalf£20.008.04 %08.02.10 15:19
150heliped£20.008.05 %08.02.10 12:48
151LeiJin£100.008.08 %02.02.10 20:36
152charlotte071£20.008.10 %08.02.10 21:32
153ZopNorm£40.008.10 %08.02.10 21:48
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155slmcmullon£70.008.14 %09.02.10 11:46
156stcecilia£100.008.15 %09.02.10 11:10
157orbit12£10.008.19 %08.02.10 11:00
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161paagencies£10.008.22 %09.02.10 10:58
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164lennon300£40.008.24 %08.02.10 12:31
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166brereton£10.008.25 %03.02.10 08:48
167pleasance£50.008.25 %03.02.10 15:15
168pegsy1944£50.008.25 %04.02.10 09:57
169MMaiden£20.008.25 %04.02.10 20:57
170PETERGWW£50.008.25 %08.02.10 11:32
171Deeflo£10.008.25 %08.02.10 15:28
172bsybusy0£10.008.40 %09.02.10 08:31
173special112£10.008.42 %08.02.10 21:50
174anjosir£10.008.43 %05.02.10 16:38
175upside£20.008.44 %08.02.10 09:23
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178stcecilia£100.008.45 %08.02.10 10:02
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180alexp2000£30.008.47 %04.02.10 18:28
181nielscam£20.008.48 %04.02.10 15:10
182suej7171£50.008.48 %08.02.10 10:01
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194Rewby1£70.008.65 %01.02.10 10:40
195Union£10.008.74 %08.02.10 11:48
196joecraig£10.008.75 %02.02.10 00:09
197pleasance£20.008.75 %06.02.10 14:12
198ksg£250.008.75 %08.02.10 10:25
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200normah£30.008.80 %02.02.10 13:00
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206fremen53£10.008.90 %07.02.10 17:34
207peteskip£10.008.91 %08.02.10 09:02
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209Pastyman£10.008.97 %31.01.10 18:03
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261mgunnie£50.0010.25 %01.02.10 19:03
262carol1234£20.0010.50 %01.02.10 23:32
263JLC1£10.0010.80 %02.02.10 23:54
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265Concepta£10.0010.95 %03.02.10 07:16
266wesmaher£10.0010.99 %01.02.10 13:35
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268Peribanu£10.0010.99 %02.02.10 23:45
269BIGHELP£100.0011.00 %31.01.10 07:52
270wendya2£20.0011.00 %31.01.10 16:47
271brereton£20.0011.00 %01.02.10 12:04
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273solace£20.0011.01 %02.02.10 15:51
274normah£30.0011.25 %31.01.10 22:38
275Union£20.0011.80 %02.02.10 19:04
276rich2385£20.0012.00 %31.01.10 22:27
277mcquiren13£100.0012.00 %02.02.10 12:45
278ksg£500.0012.50 %02.02.10 07:56
279MPJS£10.0013.00 %01.02.10 17:27
280Alexandgreat£20.0015.00 %31.01.10 15:08
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282greasemonkey£10.0015.00 %02.02.10 12:00
283Union£10.0017.00 %01.02.10 15:32

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: Monday, 1st February 2010

Question asked by:

robinhood53

Question: hi,
Are you likely to increase your income during the period of the zopa loan? ie State Pension
Regards,
Robin

Answer: I am only 63,so my state pension will not kick in until the end of my payback period unfortunately!!
Thanks for asking.
A small amount of money may be made by sale of some camping equipment.This may amount to a few hundred pounds over the 2 year period.
Regards Robin
Paul

Question asked on: Tuesday, 2nd February 2010

Question asked by:

robinhood53

Question: Hi Paul,
How much of the loan will be used to clear the overdraft & would you mind telling me the interest rate charge?
Regards,
Robin

Answer: Hi Robin,
Approx 1500 GBP will be settling my overdaft,and off the top of my head the interest rate is 18pointsomething.
Regards
Paul

Question asked on: Wednesday, 3rd February 2010

Question asked by:

Stravinsky

Question: More details of monthly expenses would be welcome, eg do you still have a mortgage?

Answer: No mortgage,house-owner,car-owner, utilities
bills, council tax, insurances, food, beer,cigarettes,and night-clubbing....lol
Regards Igor
Paul

Meet the borrower

Borrower ID: paowenfbg

Age: 60-69

Zopa member since: 15.02.07

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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