Hi,

I have applied for 2 loands since Feb and got refused. #Halifax keep sending me post about "you could apply for a loan of £7,000".This is my third one and the fist one said Typical 15.9APR and the one today says Typical 9.7 APR.

My question is, do I apply over the phone or online??

I've tried to call them 2 times and have be in a Q for ages and gave up after a while.

I owe total £8,000

earn £12,000pa