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Advice on getting a lower rate
Comments
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Return the money and concentrate on lowering your spending and overpaying the cards, at least they don't have early repayment charges. Clear the highest APR balances first and refinance to 0% where possible. When you only have 0% left get that cleared too.I'm a qualified accountant but please make sure you get expert advice as any opinion is made in a private capacity.
"A goal without a plan is just a wish" Antoine de Saint-Exupery
Mortgage overpay 2012: £10,815; 2013: £27,562
Mortgage start £264k, now £232k0 -
Thanks for the advice. I decide to return the loan and see how well I can tackle them without it.0
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