Life /
Bank loan for UK nationals [9]
Just an update on my quest for a loan.
I have been to a number of banks now requesting a loan and each bank have given separate but individual reasons why they cannot give me a loan. 1) I'm not Polish (I was told this by the bank clerk) 2) I am not known by the bank (need to have a bank account with this bank for at least 3 months) 3) Most of my income originates in the UK (my pensions) so that is seen as a problem presumably 4) Cannot accept a letter in Polish describing my main workplace pension as a 'pension' (on my bank statement there is just a description but not the actual word 'pension'. It can be seen from my bank statement that since arriving in Poland 8 years ago this has been a regular monthly payment.)
I am well able to afford the monthly payments and my affordabilty has never been raised as a problem by each of these banks so I am surprised that this is so difficult for banks to process. I have lived in Poland for 8 years now and have never had any problems with my bank account...I pay taxes...have been working for two English language schools since 2016 and continue to do so....have an approved residency card....own my own house (no properties and no financial interests in any other country incuding the UK)
On a separate note, I also recently decided to buy my wife a new laptop and RTV said that I couldn't make use of their interest free payment scheme for the laptop because I don't speak/understand Polish, even though my wife is Polish and could have told all about the implications of signing a contract to buy a laptop. (I sort of understand what happens if I do not keep up repayments on something, having bought a number of houses over the years including two in Poland)
Yes...I do need to improve on my spoken Polish but wonder why getting credit so painfully difficult. Are they hiding behind the mask of Brexit..or do they think I may return to the UK and not honour my loan...? I would think that anyone Polish or otherwise could leave the country and avoid meeting repayments so this would be a weak argument to refuse a loan. I've said enough.