I need to pay for the best honeymoon ever!!
Loan purpose
Wedding expenses
Listing ends:
01.07.2009 - 9:36 AM
(Ended)
Accepted
Personal profile
WHY I'M BORROWING
I'm getting maried in March next year and although I've got the cost of the wedding covered through my hard work saving I don't have enough to strech to the honeymoon. We have a beautiful day planned and we really want to finish it off with two weeks in the sun in ultimate luxury.
ANY EXISTING ZOPA LOANS & PREVIOUS APPLICATIONS
No existing Zopa loans or applications.
WHY I'M A SAFE PAIR OF HANDS
I am a prison officer and as such have a very secure job. I have never missed a payment on any credit. I always pay off what I have borrowed on time and usually in full. I don't like the idea of paying over the odds for things and I definatley don't like lining the pockets of the banks. I have always been good with money having been bought up with the attitude not to buy what you can't afford and I never overstretch myself finacially. I currently save £350 a month but unfortunately this will not be enough by the time I have to pay for the honeymoon so I am now looking to pay this monthly on a loan instead.
THE STATE OF MY FINANCES
I currently have a morgage of 91K with monthly repayments of £537 (these repayments are shared between myself and my other half).
I have one credit card with £600 on which is interest free and pay £100 a month off of this.
I have one other credit card which is used solely for food and petrol and is paid off in full each month.
I have no other credit.
My partner and myself pay £500 each a month into a joint account which covers all our household bills and food for the month. I spend approx £250 a month on petrol. I also have a mobile phone bill of around £35 a month.
As I said above I currently save £350 a month but am looking to stop saving so much and use this money to pay off the loan instead.
If you have any other questions feel free to ask.
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| 262 | helper101 | £20.00 | 11.49 % | 26.06.09 13:37 | |
| 263 | Dunhill | £30.00 | 11.49 % | 28.06.09 19:34 | |
| 264 | Kandyan | £50.00 | 11.49 % | 29.06.09 09:52 | |
| 265 | mrpenguin | £10.00 | 11.49 % | 30.06.09 10:52 | |
| 266 | Union | £10.00 | 11.49 % | 30.06.09 11:03 | |
| 267 | SquareMile | £50.00 | 11.50 % | 28.06.09 21:55 | |
| 268 | allann1949 | £100.00 | 11.50 % | 29.06.09 13:15 | |
| 269 | helper101 | £30.00 | 11.70 % | 26.06.09 17:55 | |
| 270 | EssexLoans | £10.00 | 11.70 % | 27.06.09 00:01 | |
| 271 | Union | £20.00 | 11.73 % | 30.06.09 11:02 | |
| 272 | pawell | £60.00 | 11.74 % | 29.06.09 23:48 | |
| 273 | princess7 | £50.00 | 11.74 % | 30.06.09 09:46 | |
| 274 | reb07 | £10.00 | 11.74 % | 30.06.09 10:56 | |
| 275 | donnybank | £100.00 | 11.75 % | 26.06.09 17:04 | |
| 276 | statyfac | £10.00 | 11.98 % | 29.06.09 12:14 | |
| 277 | york84 | £50.00 | 11.99 % | 29.06.09 08:26 | |
| 278 | Ipcress | £20.00 | 11.99 % | 29.06.09 14:19 | |
| 279 | SyMpOsIuM | £10.00 | 12.00 % | 27.06.09 10:42 | |
| 280 | maheshdesai | £20.00 | 12.00 % | 27.06.09 18:39 | |
| 281 | gordy48 | £10.00 | 12.00 % | 27.06.09 23:18 | |
| 282 | BaronWomble | £90.00 | 12.00 % | 28.06.09 15:46 | |
| 283 | Turbine | £100.00 | 12.00 % | 28.06.09 17:41 | |
| 284 | chakred | £10.00 | 12.00 % | 29.06.09 09:53 | |
| 285 | friendlylend | £30.00 | 12.00 % | 29.06.09 13:58 | |
| 286 | Sylv0609 | £10.00 | 12.00 % | 29.06.09 14:34 | |
| 287 | Pedlarjak | £10.00 | 12.00 % | 29.06.09 15:30 | |
| 288 | lukewarm | £50.00 | 12.00 % | 29.06.09 15:37 | |
| 289 | MarkTheShark | £50.00 | 12.00 % | 29.06.09 17:51 | |
| 290 | reb07 | £10.00 | 12.00 % | 30.06.09 07:24 | |
| 291 | frankoriol | £100.00 | 12.01 % | 30.06.09 06:30 | |
| 292 | andy1000 | £20.00 | 12.45 % | 30.06.09 00:13 | |
| 293 | jallan | £50.00 | 12.46 % | 29.06.09 18:41 | |
| 294 | DJenkinsda68 | £10.00 | 12.47 % | 29.06.09 12:20 | |
| 295 | tiogilito | £30.00 | 12.48 % | 27.06.09 10:57 | |
| 296 | mmaryg | £20.00 | 12.49 % | 26.06.09 19:45 | |
| 297 | reb07 | £10.00 | 12.49 % | 26.06.09 22:43 | |
| 298 | Gemini3 | £10.00 | 12.50 % | 26.06.09 11:27 | |
| 299 | solace | £20.00 | 12.50 % | 27.06.09 14:13 | |
| 300 | claatead | £20.00 | 12.90 % | 29.06.09 13:32 | |
| 301 | Union | £10.00 | 12.99 % | 29.06.09 17:58 | |
| 302 | scotkat | £20.00 | 13.00 % | 26.06.09 14:25 | |
| 303 | Joalti | £20.00 | 13.00 % | 27.06.09 00:21 | |
| 304 | Mjunction | £10.00 | 13.00 % | 27.06.09 20:44 | |
| 305 | BaronWomble | £90.00 | 13.00 % | 28.06.09 15:45 | |
| 306 | EssexLoans | £10.00 | 13.00 % | 29.06.09 09:03 | |
| 307 | Pedlarjak | £10.00 | 13.00 % | 29.06.09 15:30 | |
| 308 | BBBanker | £10.00 | 13.00 % | 29.06.09 21:27 | |
| 309 | frankoriol | £200.00 | 13.01 % | 30.06.09 06:29 | |
| 310 | cyberhippo | £10.00 | 13.20 % | 28.06.09 21:36 | |
| 311 | slmcmullon | £10.00 | 13.98 % | 29.06.09 18:02 | |
| 312 | Union | £10.00 | 13.99 % | 29.06.09 17:57 | |
| 313 | reb07 | £10.00 | 13.99 % | 29.06.09 18:20 | |
| 314 | zizizop | £10.00 | 14.00 % | 28.06.09 12:09 | |
| 315 | BaronWomble | £90.00 | 14.00 % | 28.06.09 15:45 | |
| 316 | mrpenguin | £10.00 | 14.00 % | 29.06.09 01:01 | |
| 317 | Copperbean | £20.00 | 14.00 % | 29.06.09 10:27 | |
| 318 | Pedlarjak | £10.00 | 14.00 % | 29.06.09 15:30 | |
| 319 | Chris Aitch | £30.00 | 14.00 % | 29.06.09 20:36 | |
| 320 | alice23 | £10.00 | 14.20 % | 28.06.09 23:05 | |
| 321 | Union | £10.00 | 14.20 % | 29.06.09 17:57 | |
| 322 | Annabelle | £30.00 | 14.45 % | 29.06.09 10:54 | |
| 323 | princess7 | £50.00 | 14.49 % | 29.06.09 13:04 | |
| 324 | zizizop | £10.00 | 14.50 % | 29.06.09 23:03 | |
| 325 | Jean49 | £20.00 | 14.96 % | 29.06.09 12:18 | |
| 326 | mikem | £30.00 | 14.97 % | 28.06.09 19:44 | |
| 327 | special112 | £10.00 | 14.98 % | 28.06.09 10:26 | |
| 328 | TimSalmon | £50.00 | 14.99 % | 26.06.09 09:42 | |
| 329 | Union | £10.00 | 14.99 % | 29.06.09 15:00 | |
| 330 | ramsey48 | £30.00 | 15.00 % | 27.06.09 17:00 | |
| 331 | zizizop | £10.00 | 15.00 % | 28.06.09 12:09 | |
| 332 | BaronWomble | £90.00 | 15.00 % | 28.06.09 15:44 | |
| 333 | Pedlarjak | £10.00 | 15.00 % | 29.06.09 15:29 | |
| 334 | KCSSKCSS | £40.00 | 15.60 % | 27.06.09 23:50 | |
| 335 | moneybuddy | £240.00 | 15.95 % | 29.06.09 16:56 | |
| 336 | slmcmullon | £10.00 | 15.97 % | 29.06.09 13:11 | |
| 337 | drivec | £20.00 | 15.98 % | 29.06.09 10:24 | |
| 338 | reb07 | £10.00 | 15.98 % | 29.06.09 15:42 | |
| 339 | flyingdancer | £20.00 | 15.99 % | 26.06.09 15:47 | |
| 340 | Union | £10.00 | 15.99 % | 29.06.09 14:59 | |
| 341 | pennypot | £100.00 | 16.00 % | 27.06.09 12:00 | |
| 342 | BaronWomble | £90.00 | 16.00 % | 28.06.09 15:44 | |
| 343 | MarkTheShark | £50.00 | 16.00 % | 29.06.09 08:32 | |
| 344 | reb07 | £10.00 | 16.49 % | 29.06.09 13:28 | |
| 345 | babisg | £10.00 | 16.84 % | 29.06.09 13:39 | |
| 346 | marioneadie | £10.00 | 16.98 % | 29.06.09 14:36 | |
| 347 | Union | £10.00 | 16.99 % | 29.06.09 12:04 | |
| 348 | rajram | £10.00 | 17.00 % | 28.06.09 12:15 | |
| 349 | BaronWomble | £90.00 | 17.00 % | 28.06.09 15:44 | |
| 350 | reb07 | £10.00 | 17.49 % | 29.06.09 14:49 | |
| 351 | redimp | £20.00 | 17.50 % | 27.06.09 07:59 | |
| 352 | moneybuddy | £240.00 | 17.95 % | 29.06.09 13:09 | |
| 353 | Union | £20.00 | 17.97 % | 29.06.09 12:03 | |
| 354 | tunechr | £300.00 | 17.98 % | 29.06.09 09:41 | |
| 355 | slmcmullon | £10.00 | 17.99 % | 28.06.09 14:45 | |
| 356 | benscash | £10.00 | 18.00 % | 28.06.09 09:59 | |
| 357 | rajram | £10.00 | 18.00 % | 28.06.09 12:15 | |
| 358 | BaronWomble | £90.00 | 18.00 % | 28.06.09 15:44 | |
| 359 | trishm | £30.00 | 18.25 % | 26.06.09 21:10 | |
| 360 | redimp | £20.00 | 18.50 % | 27.06.09 07:58 | |
| 361 | BaronWomble | £90.00 | 19.00 % | 28.06.09 15:43 | |
| 362 | BaronWomble | £90.00 | 20.00 % | 28.06.09 15:43 | |
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:
Friday, 26th June 2009
Question asked by:
Harmonica
Question:
Hi Chris,
Would you be going on honeymoon immediately after the wedding? I have long wondered why after a wedding people do not go back to work for a week or two before jetting off somewhere.
Your banking details have not been provided by you to ZOPA administration. Any reason why?
Would you be so kind as to list how you came to monthly expenditure of £900 per month? You could use ZOPA's headings if that helps.
Best of luck.
Harmonica
Answer:
Yep we're going on honeymoon two days after the ceremony.
There was no reason why I haven't provided my banking details other than they didn't ask for them so I didn't think that I needed to until I accepted a loan as they credit check you without them.
Monthly expenditure of £900
I pay £500 a month into a joint account with my hubby to be which covers all my bills including my mortage and our food for the month.
£100 to my credit card, which will be paid off in 6 months time.
£250 on fuel (I live 60 miles from work)
£35 on mobile phone
£15 union subscription.
Like I said above I also save £350 a month which I haven't included in the monthly expenditure total as I'm planning on cutting this down and using the money to pay back the loan.
Anything else I might need or do in the month comes out of the remaining money.
I hope that answers your question
Question asked on:
Friday, 26th June 2009
Question asked by:
unimatrix0
Question:
Hi Chris,
All the best with the wedding.
Looking at your figures the difference between your income and expenses is £600 a month, and there are 9 months until you get married, making a total of £5400.
Would you not be better off saving your money and getting interest on it (albeit a low rate), rather than borrowing ahead of time and paying interest?
Even if you were to 'split the difference' and book the honeymoon, say, 5 months ahead of time, that would still give you time to save over half of the price,and not have to pay interest on the full amount... Just an idea.
Good luck,
Unimatrix0
Answer:
Hello
Thank you for the advice I did think about doing it that way but I don't want to be pushed to the limit of my finances each month and not be able to do anything else this loan is purely for the honeymoon. I am still saving for other bits and pieces such as the hen do but if other things crop up these other bits can be made cheaper I do not want to miss out on a fabulous holiday for the sake of saving a bit of money. My local travel agent will also do me a deal on the holiday I want if I can pay for it up front so I figured this was probably the best way for me to go about it. I hope that made sense.
Question asked on:
Sunday, 28th June 2009
Question asked by:
Harmonica
Question:
Thanks for your detailed answer.
I am a bit puzzled by your statement that the ZOPA site did not ask you for your banking details! I am left wondering how all other listers manage to input them???
Will you be providing the details before the end of your listing? I think that you will find that funding of your request is easier to come by if everything is in place! You have sorted out the lack of detail for your spending, now just this small issue remains.
Whatever happens, enjoy the wedding and the honeymoon holiday.
Best of luck.
Harmonica
Answer:
The zopa site did not ask for my banking details. They do their credit check using your name and address details they do not need your banking details to do this. I just tried to input my bank details and there was a technical hitch so I will try again later
Question asked on:
Monday, 29th June 2009
Question asked by:
EssexLoans
Question:
Hi Chris,
This is really a reply to Harmonica's post above. My (possibly flawed) understanding of the listing process is that supplying banking details is optional for the duration of the listing but compulsory before any offer is accepted in which case the status on the listing makes little difference to the lenders doesnt it? I guess it makes accepting an offer quicker and easier if its already been done in advance. Can anyone confirm this?
Having read many of the past listings, it seems that many borrowers appear to have problems with zopa site (a technical hitch) when attemping to supply banking details. About time zopa got this sorted out!
Anyway Chris, good luck with the wedding, honeymoon and this listing!
Paul.
Question asked on:
Monday, 29th June 2009
Question asked by:
timmne
Question:
Hi chrisglynn,
Firstly, congrats on the wedding! I went on my honeymoon the day after our wedding and I don't agree with the above who said you might want to wait - after all the work and exhaustion planning and executing a wedding, a holiday is the top of the list!
I don't think too many people worry about your bank details; I've never been sure why some do but don't get too worried about it.
Will try and get some money funded into my account so I can contribute to your listing soon.
Good luck!
Timmne
Answer:
Thank you very much
x
Question asked on:
Monday, 29th June 2009
Question asked by:
Harmonica
Question:
In response to EssexLoans, some lenders like me will either not lend to a Lister who does provide it, or will load the loan with an extra interest rate.
From what others have stated, it appears that it is not obvious how to add them, so somebody kindly added something recently in the FAQs for borrowers.
If you do not know where these are, just ask.
Harmonica
Answer:
ok, not really sure how to respond to that
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