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Should I get a bigger loan?
We have had a £3300 overdraft with Natwest for a long time. We are never in credit and are usually at the £3000 OD mark by the time OH's money goes in. We also have £3045 left to pay of our Natwest loan (at £105 per month). We also have several Credit cards of which I have no control over - OH is reluctant to give me the info - see http://forums.moneysavingexpert.com/showthread.html?t=174535&goto=newpost (P.S. this thread seriously needs updating as I have been going through my 'ignore the problem' stage - naughty me!)
I am getting concerned over the charges we pay for the overdraft. Would we be better off getting a loan to cover these amounts?
We tried applying for the A&L 0% overdraft account, but twice they said they didn't receive our details in time to set the account up and that we would have to go through the whole process again (I know that we sent the stuff out on time!). I gave up in the end.
I am not very good working out APRs etc - Please help!
I am getting concerned over the charges we pay for the overdraft. Would we be better off getting a loan to cover these amounts?
We tried applying for the A&L 0% overdraft account, but twice they said they didn't receive our details in time to set the account up and that we would have to go through the whole process again (I know that we sent the stuff out on time!). I gave up in the end.
I am not very good working out APRs etc - Please help!
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Comments
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Why dont you come over to the Debt free wannabbee board, Having a consolidation loan only keeps you in debt longer, thus paying more over the longer term
Just a thought, it sounds as if you are really struggling here
:beer: Well aint funny how its the little things in life that mean the most? Not where you live, the car you drive or the price tag on your clothes.
Theres no dollar sign on piece of mind
This Ive come to know...
So if you agree have a drink with me, raise your glasses for a toast :beer:0
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