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Making PADs to LLoyds TSB Loans
hi all
I've started my padding journey by paying small amounts into the fees part of my mortgage - I know its only been £13 or so pounds so far, but hey ho - it all counts!!!
But I've been thinking that the mortgage isn't the debt that causes me the most problems - it's my lloydstsb loan, which I pay £620 a month towards for 4 years at about 9.9% - if I didnt have this every month I'd be £620 better off and would be able to make substanstial PADs to the mortgage.
Does anyone PAD to their lloyds tsb loan - I can seem to work out how to do it or whether I'm allowed too. We do pay £5 a week extra to my OHs LTSB loan as a standing order, but I want the flexibility of paying the odd pound here and there.
Any help would be really appreciated!
Cheers
RSDiscos
I've started my padding journey by paying small amounts into the fees part of my mortgage - I know its only been £13 or so pounds so far, but hey ho - it all counts!!!
But I've been thinking that the mortgage isn't the debt that causes me the most problems - it's my lloydstsb loan, which I pay £620 a month towards for 4 years at about 9.9% - if I didnt have this every month I'd be £620 better off and would be able to make substanstial PADs to the mortgage.
Does anyone PAD to their lloyds tsb loan - I can seem to work out how to do it or whether I'm allowed too. We do pay £5 a week extra to my OHs LTSB loan as a standing order, but I want the flexibility of paying the odd pound here and there.
Any help would be really appreciated!
Cheers
RSDiscos
Plan to PAD Everyday 2026
Credit Card - £2864.24 int free to 31/05/26) -
PAD Totals
Jan 2026 - £277.72
Feb 2026 - £40.57 11.11% paid!
0
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