Need help with a short term debt.

imb_2

I currently have an overdraft of £1500 and a credit card debt of nearly £2500. I have been waiting 18 months for an inheritance which will sort out all the debts.

At the moment the interest is 0% on the credit card (Citibank) which runs out in 2 months. I also have a CapitalOne card (£1000 limit) and a Barclaycard (£2100 limit) which are cleared.

I have bad debts so I cannot just apply for a 0% credit card so I wondered if anybody out there knows of a short-term way of clearing these debts, although I don't know how short term? I have tried a secured loan, but since the deeds of my house are in my name and the person the inheritance is from I cannot do this until the inheritance comes through, at which point I will no longer need the loan anyway.

Are there any credit-cards I can use for 0% balance transfers for someone with bad credit?

Alien8_Hi%

I currently have an overdraft of £1500 and a credit card debt of nearly £2500. I have been waiting 18 months for an inheritance which will sort out all the debts.

This seems a particularly long time for an inhertance to be actioned. Have you tried enquiring with the executor to see what the delay is down to. Alternatively have you asked if they could partially release some funds to help you through this difficulty.

Have you considered looking at your current budget to see if you can improve your situation without having to depend on the inheritance?

If you have a bad credit history, I doubt you will be able to get a new CC at 0% but you could find the best card to suit your needs in the following link:

http://www.moneysavingexpert.com/buys.phtml#CREDIT

I also have a CapitalOne card (£1000 limit) and a Barclaycard (£2100 limit) which are cleared.

Have you considered contacting either of the above to see if they will offer you any special balance transfer rates to retain your custom. See the following thread for further details

http://forums.moneysavingexpert.com/forumdisplay.html?f=11 OR http://forums.moneysavingexpert.com/showthread.html?t=33

Bloinootmahoop