Could really use some advice

a_silver_lining

Also, you can do surveys, ebays bits and find way to 'earn' treats.

pennystretcher

Does your loan have early repayment charges on it? If not, I'd apply for 0% on purchases credit card, pay minimum on that every month and then pay the money towards the loan - obviously you'd then effectively transfer the balance to your credit card, but at least it would be on 0%.

Also sign up for MSE Credit Club if you haven't already, you can check your chances of getting a CC in there before applying without affecting your credit score.

newmum1

Do you or partner receive child benefit/ tax credits etc?

JayRitchie

Is £500 a proper calculation of half the costs? If the children are not yours is it right that you pay half? Great to be generous when you can but at the moment you can't look after other people,

anna_1977

Pixie5740 wrote: »

How will she get stung by the OP's credit files?

If they have joint accounts and he goes down the TPP route it will reflect on her as a financial association surely?

Also if his credit rating is reduced due to token payments (which it would be) that won't looked at favourably by a mortgage company thus potentially preventing a mortgage for new house