Egg laid to rest

Davewils

Tomorrow (pay day) i officially finish with Egg!

I was one of the unlucky (lucky) people whose cards got deactivated a few years ago when Egg underwent a whole responsible lending phase. I also had my Virgin Card deacivated around the same time.

I decided to focus my efforts on one card at a time and so paid off the Virgin card first (my last payment was July last year) (whilst paying the minimum payment on the egg) and then set about paying off the Egg card.

So as of tomorrow, i'll have wiped clean my 3rd party credit card slate. I still have an HSBC overdraft and creditcard but they're next on my list!

So whoop de do, i've gone from £12k+ debt to just £4k in the space of about 4 years. My plan now is to get a 0% balance transfer card, transfer the HSBC Credit card balance onto it (£2k) and then get cracking on munching into that debt. Becuase at £50 a month interest, switching that 2k figure onto a 0% card would be a huge help in paying off the total.

beasygirl

Well done on clearing the Egg card off, I too was one of the 'lucky' people that had their card deactivated, as you can see from my signature I have just over £300 left to clear - am hoping to do this by Christmas this year.

Good luck on getting the 0% card - wish I was lucky enough to do that.

AnnieG

Congratulations!! If only Egg had lent responsibly from the outset, I'm sure a lot of us would have had fewer sleepless nights..... they gave me a £14k loan and a credit card with a £2.5k limit when I was temping and already in debt.. no checking my salary or employment details etc... Still, I only owe them about £800 now, can't wait to gwt rid of it!
Well done on your success!

Davewils

I can remember the last thing i bought for myself. It was last summer and I bought a pair of new trainer becuase my old ones were starting to give me shin splints (becuase the cushoning of the sole was going).

Since then i cant think of anything i've bought for myself. I've bought presents for people and spent money on bills etc or insurance, car servicing, but nothing on things that i WANT.

I cant wait for the day when i can go into a shop and think "thats nice, i think i'll buy it"