A
female
age
41-50,
*ammy
writes:oh sombody please help! were in a bit of a panik regarding our wedding reception.Ok My fiance and I have worked so hard since february to be able to afford our reception,we have saved with the credit union every week without fail so we would be entitled to a loan to pay for the reception includin meals,dj,photograper etc we have done without our usual luxarys and bin living poorly so we can afford it now we've been refused our loan because we've moved towns they say if we transfer our details to our new town it could take up to 3 mths to get approved.our wedding's in september. Anybody know a way to get through this I don't want to cancel our reception and let 85 guests down, more to the point I don't want to see my fiance let down after he's worked so hard for this.any suggestions greatly appreciated. thanks x
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male
reader, ChiRaven  +, writes (16 July 2008):
 If it's the same credit union the move should not make a difference on your qualification for a loan. If it does, you're with the wrong outfit. But that's beside the point. If you've been a member of this credit union for quite a while, you might ask if you can appeal the decision to the loan approval committee. Sometimes such groups will reconsider their decisions when people who have been members for quite a while fail to meet their loan criteria on only one point (how long you've lived at your current address) and are otherwise good customers with good credit.
Is there anybody in your family that can help out with the financing until you have been there long enough to qualify for the loan? I had to do that many years ago when it took longer than expected to draw money out of a company savings plan to put the down payment on a house. My relatives and hers were able to let us borrow enough to cover the difference until the withdrawal arrived. We hit each person only for a relatively small amount, spread it out, so we were able to get the money we needed without burdening anyone too much.
I assume that you don't have any other more expensive sources of credit (like credit cards, etc.) that could be tapped temporarily to pay the bills until the loan comes through.
The trick is to look for temporary ways to get the money to cover the costs, without getting into any situations that would be ruinously unmanageable as far as the interest is concerned.
A
female
reader, birdynumnums  +, writes (16 July 2008):
 The ONLY thing that you have to pay for is the venue, unless you know someone who has a home that seats 85 for dinner... Tell the venue that you wish to rent only the room and have the tables set. You'll need to check if this can be done, and what the minimum cost would be to rent the room with dishes, cutlery and minimum service staff for bussing and clean-up afterwards.
There has to be one friend or guest who is a good amateur photographer and who has a great digital camera, get them to give you the shots for a wedding present, on a disk, and then you can pay someone to print them into an album later, when you can afford it. Change your wedding dinner into a buffet and tell the venue that you will be supplying the food. Then enlist your best family cooks to provide the buffet. You still need a liquor license - BUT - as long as you have one and you have male friends, you can set up your own bar. There are plenty of sites that will tell you the rules and what you will need, but you can tailor it a bit to your own crowd. There should be one SENSIBLE family friend that can tend the bar, don't let it be a giant free-for-all, too much liquor can ruin a wedding. I would consider keeping a hired barman for this reason alone. There is always someone who fancies themselves as a good DJ as well, so you could get the music for free too!
Withdraw the amount that you have saved with your credit union and use it to pay for the venue. Most of the weddings that I grew up with were in church basements, and the point of the wedding was to celebrate with your friends and family, because being with them is the most important thing on your wedding day, not all the trimmings.
BTW, have you spoken with BOTH locations about this problem? The new locations as well? if you were to bring along copies of your wedding invitations and plans, that could prompt a bit of special treatment. Be very sweet and a tear in the corner of your eye couldn't hurt...
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