Right me and h2b need some opinions on what you would do.
My h2b is looking for a loan so that we can finish paying for the wedding as we havent got long left. Its not what we wanted to do but have no choice as we still have quite an amount to pay. So far we have had 2 loan companys that have declined him but gonna try 1 more if we dont get any luck next week we are gonna have to decide what we are gonna do. We are suppose to be getting married in a hotel so if we down grade it will have to be at the registry office which i dont want as i got married in one before the other choice is to pospone which h2b doesnt want to do as it would be the 2nd time. We dont no what to do so would like some opinions please help xx
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorXLittleMissMe!X
I would say if you have been declined twice then the next one will as they will see all the other searches on your credit file. How much are you short by? Could you ask your guests to donate towards the wedding rather than give you a gift? 50 guests x £10 = £500 and most guests would give you more than £10.
CommentAuthorMrs Steph Lapworth
The one he is gonna try next week said they are a lender and have got the money but i dont believe them. We are short by just over 6K we have told our guests that we would like money instead of presents and they are fine with that but its down to his ex wife
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthor~*~ Becca ~*~
i would say to postpone it tbh...i know your both excited about it and you want it to happen but tbh if your having to resort to getting loans to pay off the rest of the money ....no day ..whether its a wedding or not is not worth getting into debt or money worries for hun..but thast just personal opinion hun!!!
you got to think about it and how much stress its already putting on u both x
17.09.2010 ---I am officially Mrs Rebecca Mollins
Twilight - its' like my own personal brand of Heroin...
Edward Cullen - The Hottest Vampire since 1901 !!
I have OTD - Obsessive Twilight Disorder :D
CommentAuthorMrs Steph Lapworth
Thats true becca and thats why we didnt want to have a loan x
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
It's not a good idea to take out a loan and if he's already been turned down twice I presume the interest will be quite high. Could you not go back to the venue you are using and ask if theres any areas where the price can be slashed?
I love my lickle Ava
CommentAuthor~*~ Becca ~*~
i know you prob have your heart set on it hun....and being 6k short is a bit much ...i doubt even you would get half ofthat from guests contributions
think about it.if you postpone for a year or so and save save save u will be able to have the wedding you want without any money worries, stress, hassle etc...yes its a big step and u have to wait a bit longer but surely it will be worth waiting for xx
17.09.2010 ---I am officially Mrs Rebecca Mollins
Twilight - its' like my own personal brand of Heroin...
Edward Cullen - The Hottest Vampire since 1901 !!
I have OTD - Obsessive Twilight Disorder :D
CommentAuthorXLittleMissMe!X
If you cancel will you still have to pay the venue? What does the contract say? I know ours still have to be paid even if we cancel so even downgrading etc might not help you out. Could you talk to the hotel and explain the situation and ask them what the best thing to do would be? They may be able to find ways of bringing the price down etc.
Just be careful who you get the money from as it could be more hassle than it is worth or cost you much more in the long term.
CommentAuthorRedBee12
Oh gosh, I am so sorry but I have to agree with Becca, that is quite an amount of money, and it would take quite a time to pay off. Also as Jo says you will have 2 declines on your credit check which may not help. I would speak to as many of your suppliers as possible and see if you can change your date, and if you can do it without many charges I would be more inclined to go down that route :( That is just how I feel sorry :( Hope you manage to work it out xx
CommentAuthorMrs Steph Lapworth
The price is for everything at the venue lisa so theres no way they will slash the cost for us.
Beccca which ever way we look at it h2b says that we would still lose money as we have paid all the deposits and a few things have already been paid in full so dont know where we would stand with them x
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorXLittleMissMe!X
You need to give them a call and see what they say hun. It may be that they will let you pay in installments etc as if you owe the money regardless of if you have the wedding or not then they would have to accept payments in installments to pay it if you cancel.
CommentAuthorMrs Steph Lapworth
We have only paid the deposit on the venue so far so we would lose that. The 2 loans he got declined with were low APR and the other one he is gonna try is low as well.
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorKerrylou
Right I don't know one of us that doesn't want our dream wedding but dream wedding doesn't equate to £££££ (so speaks the 2.5k wedding queen lol) I guess this decision boils down to whether or not you're prepared to make a sacrifice or 2. I hear what you're saying about the registry office but it's not the venue, it's the commitment you make in the venue that counts! If you're really dead set against the registry office try ringing some of your local churches, our ceremony all in comes to a grand total of £190 (cheaper than the RO) If you decide to go with that then make sure you can change venue, from what I remember from our licence once you've named your venue that's the only place you're permitted to get married in. You can always save up and maybe for your 5th anniversary have the mother of all parties without going into debt.
I've been in your shoes (sort of) and we decided to downscale, I now have a 6k wedding for 2.5k and it's still just as perfect. It can be done so don't lose heart but be prepared to work your sassy b um off if that's what you decide to do xxx
It's right what they say
"The course of true love never runs smoothly"
But if it had been easy then we wouldn't love each other as
much as we do right now - 1 week to go :D
CommentAuthorLisa Ramos
If you have paid deposits you should be allowed to postpone. If you and your h2b have a good look at your finances and work out how much money you can save each month, so you can go back to the hotel and tell them you want to change the date for the following year.
I love my lickle Ava
CommentAuthorMrs Steph Lapworth
The reason he keeps getting declined is because his name is still on a mortage that he had with his ex wife and she has defaulted on the payments she has been to her solicitor to have his name removed as this is what the judge said she had to do in court but she has only just done it. The bank has told h2b that this is why he keeps getting declined but his name should come of it by the end of this month once it is removed they said he should be ok
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorMrs Steph Lapworth
We can afford the wedding but its came round so quick and this is why this has happened he puts between £100 and £250 away each week
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorLisa Ramos
I would get his credit report done now. I shared the same name as my sister-in-law and for some strange reason her information ended up on my credit report, even though she lived on the otherside of the country. The point I'm trying to make, is that if there are any errors or defaults on his credit report he will need to write to the companies concerned and it could take a while before they update his information and until they do he will continue to be declined for any credit.
I love my lickle Ava
CommentAuthorLisa Ramos
I would get his credit report done now. I shared the same name as my sister-in-law and for some strange reason her information ended up on my credit report, even though she lived on the otherside of the country. The point I'm trying to make, is that if there are any errors or defaults on his credit report he will need to write to the companies concerned and it could take a while before they update his information and until they do he will continue to be declined for any credit.
I love my lickle Ava
CommentAuthorXLittleMissMe!X
Have you checked your contract to see what you have to pay if you cancel? Mine clearly states if I cancel 6 months before the wedding or sooner we still have to pay the full balance!
CommentAuthorMrs Steph Lapworth
Yeah he has already looked at it and its mainly down to the mortage lisa
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorMrs Steph Lapworth
No we havent checked that yet Jo
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorXLittleMissMe!X
Can you go and check it now and see what it says?
CommentAuthormitch2509
yeah i have to pay all of mine 6months before i think ?
CommentAuthorlil miss sunshine
edited
oh hon hope it all works out but if you need to act now and find out what your canellation claus are before you decide but look like you may haave to postpone to a later date otherwise dowscale to you him and very nearest and dearest
and now the next chapter
CommentAuthorMrs Steph Lapworth
edited
Right just looked at papers we have got for the hotel and this is the wedding payment terms
The projected outstanding balance is to be paid in full four weeks before the wedding date. Final numbers must be confirmed four working days prior to the wedding (not including the day of the wedding) this will be the number charged for. Prices are correct at the time of going to print and are inclusive of VAT at the current rate. The package rates detailed are guaranteed until Dec 2009. For rates 2010 onwards please discuss with the hotel wedding co-ordinator. Further terms and conditions apply, please discuss with the hotel wedding co-ordinator.
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorlil miss sunshine
well it then looks like if you have to cancel then all you will be loosing is your deposit
and now the next chapter
CommentAuthorXLittleMissMe!X
There should be something under cancellations too.
CommentAuthorXLittleMissMe!X
Is it a hotel chain and if so which one?
CommentAuthorMrs Steph Lapworth
There was nothing about cancellations on there but if we did lose the deposit then we would lose £400 has thats all we have paid so far. We have already made cut backs on other things and saved around £1500 but its the holiday and the venue thats worring h2b atm.
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorMrs Steph Lapworth
Its the Holiday Inn Jo
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorXLittleMissMe!X
I bet you its in the further terms and conditions apply. Lil miss have you got your contract? Your using the same place aren't you? Or am I getting you mixed up with someone else?
CommentAuthorcharlotteverity
you may not lose your deposit with them if you just change the date because thats what i had to do as i am getting married in a holiday inn. i was meant to get married last october and had to change it to this year and i didnt lose deposit. x
CommentAuthormitch2509
lol, go jo... sort it out hunny !!
CommentAuthormitch2509
bless ya jo always trying to help people!
CommentAuthorMrs Steph Lapworth
We havent got any further terms or conditions its getting frustrating now
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorMrs Steph Lapworth
What package have you gone for charlotte??
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorcharlotteverity
1k and just added extras. x
CommentAuthorXLittleMissMe!X
Sounds like you need to contact them but how come its 6k? I've just seen they do wedding packages for £999. Could you not do that instead?
CommentAuthorMrs Steph Lapworth
Yeah we have gone for the £1000 package as well and went for extras like the drinks package so we could always cut back on that
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthormitch2509
but then will it still be your dream day ???
CommentAuthorcharlotteverity
have u thought about buying the drink in a supermarket or somewhere like m a k r o s and paying corkage . it may work out cheaper. x
CommentAuthorXLittleMissMe!X
Just found it and it is 50% of your total costs if you cancel 12 weeks before the date. I'll put the link on your wall.
CommentAuthorXLittleMissMe!X
Or I would but you need to add me as a friend first.
CommentAuthorlil miss sunshine
wow ok so your having the 999 package along with a drinks package how is it coming in to 6k
and now the next chapter
CommentAuthorCroc
i know mine is if we cancel up to 9mths befor and they dont fill the viaccancy then we are liable plus the food for 65 people as they see it as loss of earnings!!
just read all the small print
"better a witty fool, than a foolish wit" shakespeare
CommentAuthorMrs Steph Lapworth
Ive just added you jo x
Charlotte we cant take our own drinks in there they have already told us that. They said if we took our own wine they are gonna charge us £15 per bottle even if it costs us £5 to buy from the shop x
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthormitch2509
will it be half the 6k or half the 999 as the rest is extras !
CommentAuthorMrs Steph Lapworth
Lil miss in all the wedding comes to about 5-6K but the thing thats bumped the bill up is the holiday but thats only expensive cos we have had to pay adult prices for my 2 daughters as they are 15 and 13
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
CommentAuthorcharlotteverity
thats how theymake money back when you dont have their packages. my uncle got married in a holiday inn and he took his own drink in and paid the corkage cause he said it was still cheaper than their packages. x
CommentAuthorMrs Steph Lapworth
mitch the package we have gone for is 1K thats without extras x
Love Steph xxx
28th May 2011
Is Now Mrs Lapworth xxx
