A Payment A Day - Part 10!

mooomin

Paul - have you tried calling LTSB and asking if there are other offers available? They might be able to do you a LOB if you explain there is more debt that you could transfer.

If you don't ask you don't get

Paulgonnabedebtfree

flying_fresian wrote: »

Paul - have you tried calling LTSB and asking if there are other offers available? They might be able to do you a LOB if you explain there is more debt that you could transfer.

If you don't ask you don't get

I hadn't actually thought of that but that is a good question.
I will phone them in the next few days to ask.
Even if they were to do it around 10% LOB that would still be well worthwhile for me.
I remember when I originally switched a load of debt to Halifax, that was an unusual way of doing things. There were actually some credit card cheques (it was a while ago) and two of the cheques were LOB around 6.9% and the other two were time limited 0% cheques. I used the LOB cheques and they got it wrong LOL. They actually gave me 0%. I wanted LOB though because I knew it would be a long term debt.
All credit to them though. They went through the records, acknowledged their error, and corrected it.
If LTSB are prepared to do me a fair LOB deal, I would transfer a lot of debt onto that card. In fact, everything that is currently at a higher rate than the rate they might offer to me.
I do have the credit limit with them to carry that too.

Of course, these days there aren't any concerns about the possibility of needing to spend on a card to which you have BTd. Obviously it's better to avoid it, but at least the more expensive debt no longer gets trapped until eternity.

Silaqui

Hi everyone!

Just a quick post from me today as am off to the gym in a mo, had a long day and really don't feel like it but needs must

£400 pad for me today please JulieJim, well done on your OH's new job!

xx

boysma

2.37 please to cap one JJ. Congratulations to your DH on getting a new job so quickly.:j

juliejim

£9 for me today!

catspaw

10 for me today please off my car fine

Mrs_Money_Penny

Hi £1.32 for me today please.

sophia-abigail-mummy

hi everyone
pad for me today is £1.00

pointypenguin

Evening all

PAD of £5 to Egg CC for me today.

Allie_Ballie_Bee

£4.00 for me Juliejim please