Consolidation option for my mess of an account?

enthusiasticsaver

Firstly do a proper soa as detailed above.

It looks like your New Day card is almost paid off so really is it just Barclaycard? Can you not contact the Edge (do you get printed statements with a contact number?) to get an up to date balance and interest rate. If you don't get statements make a note of your reference number and just google the address/phone number. I would contact them both in writing and ask for up to date balances and interest rates.

Tell Barclaycard you are in financial difficulties. It looks like you are managing monthly payments but it is tight as your soa above is basic and includes no maintenance for car/house or additional expenditure. You ideally want them to reduce the interest rate so ask them if they can help.

You do not need a consolidation loan even if you could get one at a decent rate which I doubt. You need to start budgeting properly (that phone contract is really high - when does it finish?) and start up an emergency savings account. Stop using the Barclaycard - cut it up and live within your income.

[Deleted User]

enthusiasticsaver wrote: »

It looks like your New Day card is almost paid off so really is it just Barclaycard? Can you not contact the Edge (do you get printed statements with a contact number?) to get an up to date balance and interest rate. If you don't get statements make a note of your reference number and just google the address/phone number. I would contact them both in writing and ask for up to date balances and interest rates.

The Edge card is the NewDay one. It will have passed from GE, via Santander, to NewDay.

enthusiasticsaver

You also need to email or telephone Experian and cancel the subscription and explain you unwittingly signed up and hope they reimburse.

Presumably if you pay your Edge card by direct debit there must be a reference number - phone New Day and ask them if they have details. It is probably one of those old storecards which has changed their bank providers.