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Final Lightbulb Moment!
Comments
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Will leave it up to others to see if they can give advice re balance transfers - however the one thing that strikes me is that the interest rates are not THAT bad - once the skycard has gone if no-one can advise you better you need to start opayments on other Lloyds loan - again you are lucky that your minimum payment is low so you can make a difference.
Also, not sure how much luck you'd have if you've missed payments - but could try phoning your ccard co's to see what is on offer. (Possibly different things from the 2 Lloyds cards) Make it clear to them you are sorting out your finances and are planning on dumping a load of cards - they will ahev to weigh up whether a blip in your payments outweighs the fact that you'll be paying them lots of lovely interest each month. You're looking for a low lifetime balance and no transfer charges.
Good luk! DFDate is scary, but it WILL come down!A positive attitude may not solve all your problems, but it will annoy enough people to make it worth the effort
Mortgage Balance = £0
"Do what others won't early in life so you can do what others can't later in life"0 -
Thanks for your help everyone, and ali in particular. I'm very determined to do it this time, i'll do all I can. Thanks again
Richard0
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