Help and Advice

tedblight

Please delete. Thank you.

robatwork

My advice is to repost this in the Debt Free Wannabe forum or ask a mod to move it. Fill in an SOA which will show you and others where your money is actually going.

http://www.stoozing.com/calculator/soa.php

PeacefulWaters

Isn't there a monthly cap on the new Lloyds overdraft fee?

Start paying £1 a month over and above the minimum payments on the credit cards.

Stop worrying about mythical credit scores.

Don't apply for new credit or spend on any existing credit facilities.

Cut back on key expenses and wasteful spending.

Aim to reduce the Lloyds overdraft ASAP utilising savings made.

Flobberchops

Ditto, I thought most banks were bringing in fairer and more transparent monthly fee capping? At any rate, clearing your overdraft sounds like a priority. How big is it? Are your CCs in 0% periods, and if not, is there any scope for using balance transfers to new providers?

Try the Debt Free board also.