Time to start a fresh.

FootyFanDan

If you feel comfortable dealing with the debt clearance on yourself then your in control of who you pay and what you pay. It certainly seems like you have a plan moving forward. Are you planning on just focusing on these three for the time being?

BlueJ94

FootyFanDan said:

If you feel comfortable dealing with the debt clearance on yourself then your in control of who you pay and what you pay. It certainly seems like you have a plan moving forward. Are you planning on just focusing on these three for the time being?

Yes  
Well, I managed to get Fluid CC frozen interest until April so wanting to clear asap. Ideally I want to pay off the smaller CCs first as I will feel more motivated to pay off the Loans and higher CC's, Vanquis is the highest CC at around £700 maybe more off the top of my head so i'll see if I can get interest frozen on that soon. I should be getting the lump sum payment soon also! 
Likely Loans agreed to £10pm with a review in 6 months, 118 are refusing to help as it still says im on a DMP which was cancelled properly yesterday. Five Lamps have a payment thing online so I can pay extra whenever I can. 

CC's priority but Loans are the highest APR, so I need to work a plan for them and go from there.

lindsaygalaxy

If you pay off your credit cards you may be able to get a 0% card after to transfer some of the loan to.

BlueJ94

lindsaygalaxy said:

If you pay off your credit cards you may be able to get a 0% card after to transfer some of the loan to.

I've never been able to get 0% transfer, so I don't think I'd be able to after I've paid my CCs

lindsaygalaxy

Have you used the mse credit club? It allows you to search for the best deals without adding a footprint to your file which may be useful further down the line. 

BlueJ94

lindsaygalaxy said:

Have you used the mse credit club? It allows you to search for the best deals without adding a footprint to your file which may be useful further down the line. 

Yeah I check it most months. Ill keep an eye on it though

Sarahwithlove

If you have a default on your file it becomes harder to get credit so that could be why. Hopefully you'll have luck with some of other loans or cards but any break you can get will help. The important thing is that you are taking control. 

BlueJ94

Sarahwithlove said:

If you have a default on your file it becomes harder to get credit so that could be why. Hopefully you'll have luck with some of other loans or cards but any break you can get will help. The important thing is that you are taking control. 

Yes, I'll keep an eye out something might pop up. Agreed! Thank you 😊

BlueJ94

Did a top up shop got a load of yellow stickered food for the next few days, bread that I can freeze and other things. Going to batch cook a soup from all veggies left over in the cupboards and fridge. 
Fluid £360.15 0% interest until April, had the letter confirming this today. 

Sarahwithlove

Got to love some yellow sticker bargains.