I Have Messed Up My Life Bigtime

southernscouser

messedup wrote:

I could pay my min payment on my cc for next 5 months and then pay more from my salary to my od .... that would be quite a good way ...

Have you seen this snowball calculator. It tells you what debt to pay first so you pay the least interest.

messedup_3

Thankyou SS you are very supportive x

southernscouser

messedup wrote:

Thankyou SS you are very supportive x

They don't call me bra for nothing!

messedup_3

Yes it is fantastic calculator. My od s and cc interest are same. But I do have to make min 2% ON CCARD. I just like to reduce that OD....

messedup_3

Thankyou 'bra for nothing' LOL

SunderlandBlackCat

Hi MU

I've just opened an A&L account as well & it started with a £500 0% overdraft but they've now matched my Barclays overdraft limit at 0% (£1400). If I remember correctly they will do this up to £2500. You just have to provide proof of your current limit.

messedup_3

I know but in the letter they wanted a months bank statement from last 3 months where you were in credit for at least 2 days.... so they wouldnt take me on would they? LOL

SunderlandBlackCat

Don't be too sure about that. I sent them November/Decembers statement & didn't make it into credit at all on that statement as I had to replace my cars engine.

messedup_3

I think I am too ashamed of conducting my account the way I did, I have casino this that and the other all over it. I lost I won I lost , I came to my senses ...... if I sent them my statement they would probably withdraw my 500 overdraft! lol.... I used to be a saver.... I am so disappointed

RoCas

Hi Messedup,

I've just come across this thread and just wanted to send you some ((((hugs)))). The advice you've received is amazing and I can't add anything to it.

You sound like a wonderful person who has had some horrendous !!!!!! thrown their way. You are certainly courageous for taking your first steps in getting your life back on track and I think you're wonderful.

Please keep posting your queries and let our family of MSEers continue helping you.