Less Than £31,000 To Go!

southernscouser

Well, got a letter from HSBC this morning! Thought it was my card but they now want more documentation!

My worry is they are going to refuse me! :doh:

My interest free period expires on the 21st March so I'm praying it is completed by then. I applied for the card on January 31st! :eek:

$17mma

Southern Scouser

I have only just seen your post. Thank you for letting us know how you have been getting on.

Just want to say that you have and are doing so incredibly well and I really admire your effort and perseverence. You really have been chomping away at that balance!

This is encouraging for me too.

Thank you and well done you!

:T

southernscouser

Got a new Capital One card through today and while activating it they offered me a balance transfer as I expected! :rolleyes:

Unfortunately they couldn't offer me anything worth taking which is a bit of a bummer but not the end of the world. :doh:

D&DD

Hi SS have you heard anything from HSBC yet??

southernscouser

D&DD wrote:

Hi SS have you heard anything from HSBC yet??

Got a letter friday morning asking for more proof of ID! Bank statements that sort of thing. They already had a payslip and phone bill! Got a feeling they are gonna end up blowing me out! :doh:

Thats all I need! Got until the 21st this month until the Amazon card starts charging interest! :eek:

fairylights_2

We completely failed to take the right paperwork! OH went into the bank with his passport and the water bill, they took copies there and then. Might be quicker than posting stuff? Also, I think I read somewhere that in branch they might be able to get a hurry on the details to BT your balance.

D&DD

ooer doesn't leave much time does it..have you got a plan b if it doesn't come through? I saw marie suggested asking for lower rate on your existing card(s) we did try this but it was a no go for us :mad: I'll keep my fingers crossed for you.You're cracking on so well with your debts Its great to see your total falling away but it's so annoying when it all falls into place and you have a plan then someone says no it messes it all up!!Keep at it though as I'm looking forward to us celebrating our DFD :beer:

southernscouser

No real plan B! If it doesn't come off I will phone Egg and see what they can do for me. And then Tesco!

Will apply for another card aswell but don't hold out much hope of being accepted! :rolleyes:

James240

keep up the great work mate ur doing fantastic :beer:


keep ya chin up mate, we all here for u :beer:

southernscouser

None of the companies seem to want to play ball! :doh:

Phoned up Tesco to try and transfer my Egg balance to them for 7.9% but they wanted 15.9%! :eek:

Tried calling his bluff by asking for my credit limit to be reduced to £600 but he didn't buy it! Well suppose thats £400 of potential debt gone though! :rolleyes:

Interest has been added to some cards aswell so total has gone up for a couple of days but looking forward to friday when my loan payment comes out. That knocks it down by £297.62! :j

So here's the mess I'm in of as today! :rotfl:

Debt at highest

22nd September 2005

Egg (Limit - £8,600) £2,933.02
Capital One (Limit - £10,300) £8,093.97
Morgan Stanley (Limit - £2,700) 5.9% for life £2,484.27
Tesco (Limit - £4,100) 7.9% for life £2,899.54
Tesco Loan 6.7% £17,857.20

Total: £34,268.00

Debt now

7th March 2006

Egg (Limit - £500) £194.60
Capital One (Limit - £8,000) £6,948.12
Morgan Stanley (Limit - £2,700) 5.9% for life £2,263.52
Tesco (Limit - £600) 7.9% for life £509.27
Amazon (Limit £5,300) 0% - 21st March ‘06 - 12.9% £4,401.13
Tesco Loan 6.7% £16,369.10

Total: £30,685.74