What would you do?

beanielou

Congratulations on the new baby -aww.

Calypso

Thabks - yes I am just going to write to Lloyds telling them to keep the account open. I did open the A& L account on line and then recommended my sister so we will both get £25!

Thanks for all the congrats on the new baby - she is doing absolutely fine and fortunately sleeps alot!

Calypso
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beanielou

long may her sleeping a lot continue lol

southernscouser

By just talking to the CCCS it will not affect your credit rating. A couple of reasons you might be getting rejected for credit could be;

a) Your level of debt comapred to your income is to high

b) Your potential debt compared to your income is to high

To make yourself more appealing to lenders you should make sure you cancel all old credit cards. Check the report you ordered to see if any are still open.

You can also reduce the limits of your current cards so your potential debt is less.

Calypso

Thanks - I have obtained a copy of our credit rating which looks to be fair. I have made sure though that any cards we aren't using have been cancelled. We have had some good news though we have been accepted for a BA Amex LLB card so I will be able to shift the Lloyds overdraft onto that which will definately help and some of the Egg Card too.

Haven't made up my mind about the CCS appointment - it would be nice to get their take on it all. But now we have got the BA card I want to go onto the Snowball calculator and re-jig things just to see where we stand.

It's just finding time to do all this... I don't know where the weekends gone!

Calypso
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moozie_2

Hello Calypso

Sounds like you are making good progress! I am sue the snowball calculator will be a lot more positive with your new APR. It helps tremendously to lower those pesky APRs

As for ther weekend, I feel the same way as you and I don't even have a 2 week old baby to take care of :eek:

Calypso wrote:

It's just finding time to do all this... I don't know where the weekends gone!

Ali-OK

Calypso wrote:

Thanks - I have obtained a copy of our credit rating which looks to be fair. I have made sure though that any cards we aren't using have been cancelled. We have had some good news though we have been accepted for a BA Amex LLB card so I will be able to shift the Lloyds overdraft onto that which will definately help and some of the Egg Card too.

Haven't made up my mind about the CCS appointment - it would be nice to get their take on it all. But now we have got the BA card I want to go onto the Snowball calculator and re-jig things just to see where we stand.

It's just finding time to do all this... I don't know where the weekends gone!

Calypso
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That's great news getting the 4.9% LOB and will chop off a load of interest going forward.

I think you're doing really well to get done what you have so far with a new baby! I think it took me about 2 months before I did more than the day to day basics!

Calypso

Thanks for your support - it's very motivational. With payday looming tomorrow, I am determined to get a budget in place for the new month, taking into account new debt repayments - although hubby has just told me his car needs taxing. That's another thing I haven't quite sorted - piggy-banking -I have got some accounts set-up ready, just need to start putting aside the money each month for thopse sorts of things.

I am determined to get organised!

Thanks again

Calypso
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