They didn't tell me to ring the Samaritans

MissKJ

Point taken, I was just thinking about future improved mortgage offers.

Spirit_2

The DFW's are all heart and will offer good advice if they can see your SOA.

Try looking forward to when you can claim back all your excessive bank charges and use the energy you would have spent dwelling on the LLoyds charges to post your SOA.

If you can't do it all at once do as much as you can, and then edit it when your normal energy resumes.

take care

Snaggles

Hi MissKJ - if you pay less than the minimum monthly payment required then it will unfortunately affect your credit rating (if a bank does a search, they will be able to see that you are making reduced payments), because you have technically broken the terms of your agreement. So if you CAN manage to meet your monthly payments, it's worth doing, to protect your credit rating, especially if you are wanting to remortgage at some point.

MissKJ

Thanks Snaggles, i knew there must be a reason why I am insisting on paying all that I owe, as well as the moral obligation of course. I will sleep better knowing, however foolishly that I just worked hard to get out of debt. Not afraid of hard work but a little impatient!

Snaggles

MissKJ wrote: »

Not afraid of hard work but a little impatient!

Nothing wrong with that at all!