Lightbulb moment

kevin_M

Ok a quick start off to thankyou to everyone on this website.
i started reading this website in march when like everyone i had a few credit cards loans etc

After reading all your advice im glad to say im starting to see the light



Car Loan £7,276 (est)
Bank loan £6,645 (est)
Personal loan £400 or so left (est)
HP £1600 (est)

Outstanding creditcard debt WAS £4.800+ NNOW 0.00 (glad thats paid)

Total outstanding give or take
WAS £22,000.00

NOW £16,500.00 (ish)


My goal is to next month clear the personal loan off which gives me a extra £60 a month

anyway will keep you guys updated and get correct amounts

moozie_2

Hello and welcome to DFW

Looks like you are doing really well. Keep it up and come back and let us know how you are getting on.

Good luck!

duncans-mum_2

Welcome to MSE, and a big GOOD LUCK in reaching your goal.

kevin_M

Thanks for all the kind words

OK update time

after reading reading and considering i have finaly decided to claim back my bank charges. i have worked out its about £1,500 to £2,000.

I personaly think its worth the risk as i only have the 6k loan with them which has never missed a payment and i can easy open up a new bank account. and have not bounced a DD in 7 month so they realy dont have a reason to close my acc. Its with Lloyds TSB

plus £2000 thats my HP and personal loan cleared. Or Money to pay something else

jessicamb

Well done on what you have achieved so far! Keep up the good work and welcome to MSE!

wannabedebtfreebeth

Going really well - bet it feels great!!

lynzpower

Welcome - looks like you are going great guns :T

And don't forget to hang around here and offer your advice and tips

MrsTinks

Welcome to MSE and DFW It looks like you're already chipping away huge chunks of your debt and if you're braving getting back your bank charges already then you're obviously made of strong stuff!

Worth noting that opening another current account NOW isn't a bad idea... that way if Lloyds DOES close your account (I hate Lloyds however so be ware - I am biased ) then you're set and ready with another account already running I'd recommend A&L because that way you can't loose... you get about £50 I think if you register with them and a bit more if you use Quidco

Good luck!

Avogirly

Hi, welcome to MSE, keep up the hard work and keep posting on your progress.

tawnyowls

Kevin, perhaps it would be worth putting up an SOA? Even after reading the advice on this board, just having several new sets of eyes on it might come up with ways to help.

Sallys_Savings

I agree with tawnyowl...sometimes savings can be looking you in the face and you can't see them...definitely worth putting your soa up