My Debt Diary

James240

well ive just written out a cheque to pay off another sum off my loan for £200 would have been £300 but ive but my car in for an oil change and a few bits and pieces plus i needed two new front tyres. A little bit dissapointed that its not £300 but im keeping me chin up cos my cars running ok and ive managed to pay some more off my loan

Willsnarf1983

James240 wrote:

well ive just written out a cheque to pay off another sum off my loan for £200 would have been £300 but ive but my car in for an oil change and a few bits and pieces plus i needed two new front tyres. A little bit dissapointed that its not £300 but im keeping me chin up cos my cars running ok and ive managed to pay some more off my loan

i would say well done but as i just read that you lied and manipulated us bud i won't

seriously thou bud don't beat urself up, of my reckonings ur debt at highest must have been what 18k+, so thats over 5k that you have paid of it!

Keep it up!

Will

James240

Well this friday i managed to get £100 from cashing in a premium bond i never knew i had, admitedly i havent used this money to go to my debt ive been to the pub yesterday , been for a chinese with my friends today, and ive got £40 left which i might just go and do a big shop and get a load of shopping in and stock up so that way i dont have to buy any food for a while

JAMIEDODGER

thats excellent james. what good fortune!

James240

Hiya guys just got back from tesco and there doing loans for 5.9% my current loan is 7.7 do you think its worth changing? and if it is do they allow overpayments does any one know?

Plus they have also got Credit cards for 0% until January 2007, im currently waiting on capital one to get back to me do you think i should have a go at seeing if i can get this card or do you think i should wait till i get a response from capital one??

Jaymz

Hi James,

Just read the whole thread through from start to finish! I have to say a big well done mate as it must be hard to budget like you are.
Keep up the good work!

James

southernscouser

James240 wrote:

Hiya guys just got back from tesco and there doing loans for 5.9% my current loan is 7.7 do you think its worth changing? and if it is do they allow overpayments does any one know?

Plus they have also got Credit cards for 0% until January 2007, im currently waiting on capital one to get back to me do you think i should have a go at seeing if i can get this card or do you think i should wait till i get a response from capital one??

Hello matey! :beer:

I've got a Tesco loan but it isn't flexible. I also phoned them about the promo 5.9% to see if they would reduce my rate but apparently you have to be a homeowner for it!

I'm sceptical about 0% cards now for 2 reasons. The first being the fee they charge. If you have to do 2 transfers to new cards a year you can pay upto 5% in fees. American Express do a card that has an APR of 4.9%! :rolleyes:

Also the risk of not being accepted for a new 0% card and then being charged 12.9% or something crazy like that is too much of a risk for me. I'd rather take the safer option of a low life of balance transfer card!

But hey what do I know? I'm nearly £30k in debt! :rotfl:

ms_london

James240 wrote:

Hiya guys just got back from tesco and there doing loans for 5.9% my current loan is 7.7 do you think its worth changing? and if it is do they allow overpayments does any one know?

Plus they have also got Credit cards for 0% until January 2007, im currently waiting on capital one to get back to me do you think i should have a go at seeing if i can get this card or do you think i should wait till i get a response from capital one??

Wait til you get a response from Cap One hun - it shouldnt be too much longer.

Would the 5.9% make a big difference to your loan? If you cant make overpayments or you get charged a hefty early repayment fee then it might not be worth changing, but well done on spotting it you clever MS-er!!

You are doing so so well!! ((Have you heard from Willsnarf lately??!!)).

Keep up the excellent work.

xx

Ayeshalush

If you're looking for a new loan, check out Northern Rock - last I heard they were 5.8% and ARE flexible with no additional penalties. Only downside is their bullying tactics when it comes to their Loan Insurance - just stick to your guns and say no and eventually they will give in as long as you sign a disclaimer.

Keep up the good work.

Ali
x

James240

ms_london wrote:

Wait til you get a response from Cap One hun - it shouldnt be too much longer.

Would the 5.9% make a big difference to your loan? If you cant make overpayments or you get charged a hefty early repayment fee then it might not be worth changing, but well done on spotting it you clever MS-er!!

You are doing so so well!! ((Have you heard from Willsnarf lately??!!)).

Keep up the excellent work.

xx

i hope it isnt hun x

and all ive heard from willsnarf is the entry he put in my diary a couple of days ago..... i dont think he has been on too much lately i hope everything is ok with him .......