Then and Now!

Shineyhappy

Well done everyone!! You all have done so well!! I wouldnt be surprised if the website crash was due to the banks as they must really want us to fall off the wagon and run these debts back up!

Debts:

OH 500..... Paid
LLoyds OD 2500 ....... 1000
Lloyds cc 750........680
Morgan Stanley 750......250
Sofa 600 (0%).....same
Mortgage 142 000..... same
Brother 200.... same
Top up mortgage to buy ex out 10 000... same

I WILL get there!!

sammiboo

convict90210 wrote: »

Great thread here!! Sammiboo-I noticed that you have a life time BT on your Egg Card how did you get this?? Am interested in getting one for my card!

Hi there

Do you already have an egg card? I did some major re-jigging of my finances and at the time I had a barclay that offered 0% for 6 months on all balance transfers, so the idea was to move everything off my barclay card on to my egg card then move the whole lot back. i didnt have enough room on my egg card to do this, so i phoned them up and asked for an increase. They asked why i wanted the increase... I was honest I told them I was paying far too much apr (16%) I had been offered a much better deal and i wanted to move everything over to barclays.

They chap that was on the phone said he didnt want to lose me as a customer and he would go away and see what they could do.

So he came back to me with - free balance transfer, with that apr for the life of the balance. So thats what I did

Basically if you are a customer, threaten to leave and see what they can offer you. You giving them some money compared to no money must be better than nothing?

I dont spend on the card at all, just use it as a loan.

Good results everyone - keep up the good work

I am hoping the virgin card will be paid off in Jan, but will have to see