I am currently unemployed, and have managed to keep up my repayments on a personal loan to AIB . AIB do not know that I am unemployed.
My loan is now repaid almost - one small final payment in September left.
I want to top up the loan/get a fresh loan now --- however I know the process would require disclosure of employment situation and strongly suspect that AIB would refuse point blank -- despite the fact that I have proven ability to repay while on social welfare income.
Am reluctant to ask the bank directly because once they discover my status that may raise flags against me for future loan applications, even when I am back in employment. Generally I feel the least they know the better.
Has anyone experience of this situation --- what is likely outcome ?
Thanks
My loan is now repaid almost - one small final payment in September left.
I want to top up the loan/get a fresh loan now --- however I know the process would require disclosure of employment situation and strongly suspect that AIB would refuse point blank -- despite the fact that I have proven ability to repay while on social welfare income.
Am reluctant to ask the bank directly because once they discover my status that may raise flags against me for future loan applications, even when I am back in employment. Generally I feel the least they know the better.
Has anyone experience of this situation --- what is likely outcome ?
Thanks