A journey of a 1000 miles must begin with single footstep....

EB69

This is such a naive questions - but aren't all banks the same pretty much? (this is probably why I am in debt - I obviously dont look at the small prints properly!)

Woowoo

They're all robbing gits thats for sure!

They all have different overdraft policies though.

New rules are as thought, they are making an extra £5 off me a month from Dec.

I can't wait to say f*ck you Lloyds I'm off!

EB69

Have to say, I was happy to see the back of Egg and now can't wait to annihilate Virgin. I will probably feel the same way about Barclaycard before long...

Herewego

I had a hate campaign against virgin and had a big celebration the day i closed my account, good luck EB im sure it wont take long.

Well done on the extra payment woowoo so close to payday as well you put me to shame this week.

Are you reducing your OD at all i have been trying to use £50 less each month so glad I did as need to use it this month

Woowoo

Morning HWG

I bank with Natwest now, so the overdraft with Lloyds is just another debt (I don't use the account at all). I transfer the interest charges once a month, but at the moment I don't pay any extra to it - that all goes to Lloyds cc!

Woowoo

Some idiot on telly is explaining about uni debt and how students don't need to worry about the changes as they don't have to pay it back till their earning £21k and it's not like credit card debt!

Maybe not, but it's still debt and it still has to be paid back one day, trying to persuade students not to worry about acquiring debt doesn't seem very responsible to me!

BaillieRiley

Hey Woo!

This has got to be one of the fastest moving diaries! Every time I pop in for a nosey I have a good 5 pages to read!

You are so right about the student debt thing - low intrest or not - student loans suck big time when it comes to paying them off! I only had £500 to pay but did it in one payment as I couldn't be bothered with all the faffing about!

What bank do you think you will go to when Lloyds is 6 feet under?

Love BR x

Happytogetdebtfree

Good morning / good night hope you have a better day finding money and getting rid of lloyds im trying to organise wages so that it doesnt mess up stuff if its in bank now i get paniced because it confuses me i wish i had a seperate paying account and billing account then all would be clear in the world lol xx

Woowoo

Morning BR

I already have may wages paid into Natwest, so don't use my Lloyds account now, the overdraft is just another debt to pay back (next on the list).

I don't have any issues with Natwest, but that's because I don't owe them any money

Woowoo

Hi Happy

Why don't you open a seperate account for billing if that will make life easier? x