debt problem - want to start fresh in 2006

gary_pacha

3387.12 virgin credit card – 0% balance transfer runs out on the 14 feb.
I have a Barclaycard where I have 0 pounds on with a limit of 1000 pounds a balance transfer for life of 6.9%
And I have 500 pounds in my a+l account with a 1000 overdraft facility interest free for 11 months

I was thinking off paying the 1500 from the a+l account to reduce the virgin credit card debit as well as doing a bt to my Barclaycard of 1000 6.9% for life of balance.

However I just rang virgin and they said to ring them back on the 14 of feb and I can do a balance transfer back to them for another 9 months interest free but I am sure Barclaycard will charge for me to a bt to them from virgin, and then virgin will also charge for a bt back to them.

Also if I do a bt to Barclaycard and pay the 1500 from a+l to virgin, it will leave my virgin credit card 887.12, now the question is can I do 2 bt in the same day
Bt 1000 from Barclaycard to virgin
And bt 887.12 from virgin to Barclaycard

And them bt 887.12 back to virgin to take advantage of another 9 months interest free

M,y other debits are 1300 overdraft with Halifax 0% for 2years still my student account my max overdraft is 1650
And 960 to Barclays overdraft also 0% for 2 years student account, my max overdraft is 1000

Also I am owed £1120 which will come in instalments but I am going to throw all this at my debts

I am on my year out at the moment earning 985 after tax per month, I have cut all my outgoings down to a minimum, in the process of cutting my mobile phone tariff which is currently at £55 per month, but they told me I have to wait 3 months before I can downgrade, I currently have the phone 3 months so 6 months in total before I can downgrade the tariff, is there anyway around this, I am with orange


What should I do

Thank you in advance I greatly appreciate it

OMAR

So what is your total debt

gary_pacha

Halifax -1300.00 (overdraft)

Virgin -3387.12 (credit Card)

Barclays -960.00 (overdraft)

Total 5647.12

Cherrs