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First Direct
natlie
Posts: 1,707 Forumite
Hi
I just spoke to the nicest man at First Direct - I have been budgeting strictly this month but unfortunately will go over my account limit by around £65. I spoke to FD to see if they could help me to avoid fees - which I have been paying out around £25 a month on this year due to badly timed payment
He was completely non-judgemental as I gave him my credit debt info and he gave me a buffer to avoid fees this month with 0% interest. He gave me some advice on text alerts and speaking to creditors about payment dates. He was so sympathetic and helpful I could have cried!
If you are like me and struggle to see out the end of the month please speak to your bank and avoid those charges - they may seem small but I have £25 less to pay out next month
Nat
I just spoke to the nicest man at First Direct - I have been budgeting strictly this month but unfortunately will go over my account limit by around £65. I spoke to FD to see if they could help me to avoid fees - which I have been paying out around £25 a month on this year due to badly timed payment
He was completely non-judgemental as I gave him my credit debt info and he gave me a buffer to avoid fees this month with 0% interest. He gave me some advice on text alerts and speaking to creditors about payment dates. He was so sympathetic and helpful I could have cried!
If you are like me and struggle to see out the end of the month please speak to your bank and avoid those charges - they may seem small but I have £25 less to pay out next month
Nat
DMP 2021-2024: £30,668 £0 🥳
Current debt: £7823.62 7720.52 7417.94
Current debt: £7823.62 7720.52 7417.94
0
Comments
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Best bank ever First Direct.
I am not a fan of the banks in general, but they have always exceeded expectations.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
I'll consider this post sourcrates/natlie if I ever get fed up of HSBC.Savings as of April 2023 Savings account - £26460.50(14474.88)Current account - £2140.24(4576.79)Total - £28600.74(19051.67) £1010 (£65pm CS/BS) £250 CS/BS/JS0
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