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

Kepp

Well done on the payment

Please please please can we have the end of Lloyds party?!

According to my spreadsheets they are supposed to be in my life till Jun 12 as I have the loan with them as well as the card, so I'll join you in the challenge of trying to rid them by the end of the year!

Woowoo

Your comment about Vanquis did make me laugh, I know it's not funny really lol!

Waiting for 6 months is definately a good idea.

**Kat**_2

I have missed the point with vanquis - who are they?? I would be rejected for EVERYTHING! Can't even get the reserve changed to an overdraft so I don't see any point in applying for credit - If I could get a 0% balance transfer card though I would be SORTED!

Woowoo

beccie wrote: »

Well done on the payment

Please please please can we have the end of Lloyds party?!

According to my spreadsheets they are supposed to be in my life till Jun 12 as I have the loan with them as well as the card, so I'll join you in the challenge of trying to rid them by the end of the year!

Your on Bec's, I want us both to be celebrating the demise of Lloyds by the end of the year - that will be a wicked Christmas present!

Woowoo

**Kat** wrote: »

I have missed the point with vanquis - who are they?? I would be rejected for EVERYTHING! Can't even get the reserve changed to an overdraft so I don't see any point in applying for credit - If I could get a 0% balance transfer card though I would be SORTED!

Vanquis are usually for people with bad credit ratings, and the APR is something like 30%!

**Kat**_2

WOW! Glad I don't know about them lol.

Woowoo

Yeah can't believe I never got one of those pre-lightbulb moment!

ElmerFudd

Woowoo wrote: »

Your comment about Vanquis did make me laugh, I know it's not funny really lol!

Waiting for 6 months is definately a good idea.

Funny thing is that if Lloyds kept raising their APR and I for some reason decided to stick with them (and not opt out) Vanquis would have been a better option for me!! Finally got exact figures for my student loan which actually shows I am worse off than I thought. I guess the good thing is that £8700 is currently at 4.4%, downside is that can go up soon (talk of it being at least 5.6%).

Woowoo

Well done for ringing up and finding out the figure, at least you know what your dealing with now. Do you just pay a set figure to this? Will that change if the % goes up?

Kepp

I got the Vanquis offer when I got turned down for an MBNA 0% - why did they think when I wanted a 0% I'd say no you're right, I actually wanted a card that's 40%!!! :rotfl: