We Need A £55K Loan, What Do We Do?

[Greesem0nkey]

My fiancée and I need £15k for our wedding in March, £30k for a car (her 30th birthday present) and £10k to consolidate our previous loan. Our combined income is £44k and living with parents so is def affordable. Do we...
1. ask our bank who've refused us in the past for a joint loan ?
2. go online for a joint loan?
3. go online for 2 separate loans?
4. get a PCP for the car and a joint loan?
...or something else we've not thought of?

Please help!!??

[ummmm]

Mikey - why are you addressing me?

[Tilly2]

Mikey, it was Eccles, not Ummmm.

[murraymints]

it was eccles Mikey !

[mikey4444]

Ummm...my apologies...posting on too many threads this morning, as usual...sorry !

[ummmm]

s'ok :-)

[ubasses]

I have just skimmed the answers on here and most are sensible.
If you were sitting in front of me asking for this loan, based on the information given. My answer would be No. If there was more information forthcoming that could change my mind, I would definitely request Security be lodged by the way of a Charge over Property which you don't have. Someone mentioned a Parents Guarantee, if they offered then a Charge over their property would be requested.
I am offering this advice based on just under 4 decades of Banking, the last 14 as a Manager.
Remember the more loans you request and get turned down for will affect your credit rating in the longer term.

[mikey4444]

Sensible words ubasses !

[ubasses]

Thank you Mikey.

[murraymints]

gies a loan ubass !!;0)

[ubasses]

Too late Murraymints, I've retired. :)

[murraymints]

drat ! :0) xx

[TWR]

Strange how some don't have a sense of humour. oh well, some of us have been there Greese, my advise don't go there, If I dare say that.

[LaughingGravy]

Nobody NEEDS a car as a birthday present ! And imho you are setting off down a dangerous path if you're borrowing to that extent already. SAVE UP and keep the interest yourselves, it will feel much more of an achievement .