ANNOUNCEMENT : ALL OF ROYAL MAIL'S EMPLOYMENT POLICIES (AGREEMENTS) AT A GLANCE (Updated 2021)... HERE

ANNOUNCEMENT : PLEASE BE AWARE WE ARE NOT ON FACEBOOK AT ALL!

commsave

Postal workers discussion forum. Discuss the day to day life in a Blue Shirt.
stodgy88
EX ROYAL MAIL
Posts: 641
Joined: 14 Nov 2008, 20:11
Gender: Male

commsave

Post by stodgy88 »

hello, i have had money stopped for around 14 weeks,and thinking of applying for a loan,unfortunatly i was declared bankrupt 4 years ago,and when i put my previous address ,i am sure my credit report will show this,i have worked for royal mail for over 20 years ,does anyone know if i am likely to be rejected thanks mark.
Top
arnold cheshire
Posts: 5309
Joined: 14 Oct 2010, 21:28
Gender: Male
Location: england

Re: commsave

Post by arnold cheshire »

stodgy88 wrote:hello, i have had money stopped for around 14 weeks,and thinking of applying for a loan,unfortunatly i was declared bankrupt 4 years ago,and when i put my previous address ,i am sure my credit report will show this,i have worked for royal mail for over 20 years ,does anyone know if i am likely to be rejected thanks mark.
dont say you were bankrupt
Top
stodgy88
EX ROYAL MAIL
Posts: 641
Joined: 14 Nov 2008, 20:11
Gender: Male

Re: commsave

Post by stodgy88 »

im not going to,but they ask for your previous address ,and i presume my credit history would then appear.
Top
arnold cheshire
Posts: 5309
Joined: 14 Oct 2010, 21:28
Gender: Male
Location: england

Re: commsave

Post by arnold cheshire »

stodgy88 wrote:im not going to,but they ask for your previous address ,and i presume my credit history would then appear.
you dont need a previous address for 4 years
Top
stodgy88
EX ROYAL MAIL
Posts: 641
Joined: 14 Nov 2008, 20:11
Gender: Male

Re: commsave

Post by stodgy88 »

left previous address just over 2 years ago.
Top
arnold cheshire
Posts: 5309
Joined: 14 Oct 2010, 21:28
Gender: Male
Location: england

Re: commsave

Post by arnold cheshire »

stodgy88 wrote:left previous address just over 2 years ago.
ok i recommend you say nothing
Last edited by arnold cheshire on 24 Oct 2012, 20:03, edited 1 time in total.
Top
arnold cheshire
Posts: 5309
Joined: 14 Oct 2010, 21:28
Gender: Male
Location: england

Re: commsave

Post by arnold cheshire »

stodgy88 wrote:im not going to,but they ask for your previous address ,and i presume my credit history would then appear.
if they do a credit check your fu22cked if they dont you will be ok i dont think they do anyway
Top
DB1100
Posts: 1976
Joined: 10 Sep 2007, 14:30

Re: commsave

Post by DB1100 »

I thought you couldn't get a loan from them until you had been in it a year.
For we were soldiers once,and young
Top
stodgy88
EX ROYAL MAIL
Posts: 641
Joined: 14 Nov 2008, 20:11
Gender: Male

Re: commsave

Post by stodgy88 »

no ,i think its 3 months
Top
stodgy88
EX ROYAL MAIL
Posts: 641
Joined: 14 Nov 2008, 20:11
Gender: Male

Re: commsave

Post by stodgy88 »

no, 13 weeks i think.
Top
demon
Posts: 732
Joined: 08 Jul 2009, 14:19
Gender: Female

Re: commsave

Post by demon »

but you can only get a loan of 3 times the amount of saveings
Top
User avatar
POSTMAN
SITE ADMINISTRATOR
Posts: 32787
Joined: 07 Aug 2006, 03:19
Gender: Male

Re: commsave

Post by POSTMAN »

https://ssl.commsave.co.uk/loans/personal" onclick="window.open(this.href);return false;

All in the link,last year they done a xmas special where if you had at least £1 in savings you could borrow up to £1k,i had one,not sure if they are doing it again this year,contact them and ask.

Also from Facebook...
"if your credit is bad will you be accepted"

Commsave Credit Union: "Yes of course"

EDIT:And...
We have recieved several inquiries about our christmas loans. At the moment we are unsure if we will be offering them this year, however once we know we shall let you know.
https://www.facebook.com/Commsavers" onclick="window.open(this.href);return false;
I Wrote-During Covid-Which is still relevant now
It's good to get these types of threads, the ridiculous my manager said bollox, so we can reassure ourselves that while the world is falling apart, Royal Mail managers are still being the low-life C***S they have always been.
My BFF Clash
The daily grind of having to argue your case with an intellectual pigmy of a line manager is physically and emotionally draining.
Top
stodgy88
EX ROYAL MAIL
Posts: 641
Joined: 14 Nov 2008, 20:11
Gender: Male

Re: commsave

Post by stodgy88 »

thanks for that,very helpful.
Top
TrueBlueTerrier
FORUM ADMINISTRATOR
Posts: 72727
Joined: 30 Dec 2006, 10:29
Gender: Male
Location: On my couch

Re: commsave

Post by TrueBlueTerrier »

bringon4dayweeks wrote:
stodgy88 wrote:hello, i have had money stopped for around 14 weeks,and thinking of applying for a loan,unfortunatly i was declared bankrupt 4 years ago,and when i put my previous address ,i am sure my credit report will show this,i have worked for royal mail for over 20 years ,does anyone know if i am likely to be rejected thanks mark.
dont say you were bankrupt
Wow dangerous advice :shock: at least without knowing the background.

If still legally declared bankrupt and the loan is over £250 it could be a crime under section 360 of the Insolvency Act 1986 http://www.leathesprior.co.uk/services/ ... -offences/" onclick="window.open(this.href);return false;
Bankrupt obtains credit either solely or jointly with another in excess of £250 without informing the creditor that he is a bankrupt. Wide definition of “credit”!
All post by me in Green are Admin Posts.
Any post in any other colour is my own responsibility.
If you like a news story I posted please click the link to show support Any news stories you can't post - PM me with a link
My sharing of news articles should not be interpreted as an endorsement or condemnation of any particular viewpoint or the issues presented. I share them solely for informational purposes.
Top
stodgy88
EX ROYAL MAIL
Posts: 641
Joined: 14 Nov 2008, 20:11
Gender: Male

Re: commsave

Post by stodgy88 »

discharged from bankruptcy in early 2010 (early discharge).
Top

Return to “BLUE SHIRTS”