Experian Consolidation Suggestion...3 loans

Sncjw

Dandytf said:

Sncjw said:

Dandytf said:

maybe is should try mse advice 1st and approach my own bank 🤣

Even your own bank will be highly likely to refuse you. It would be least 30k of debt on a 9k wage. No way. 

maybe that's why I'm laughing

I wouldnt be laughing if I was in your position but then again I wouldn't get into this position on such a low income.

The amount of advice you have been given and you still credit hungry. Why so? 

Dandytf

Sncjw said:

Dandytf said:

Sncjw said:

Dandytf said:

maybe is should try mse advice 1st and approach my own bank 🤣

Even your own bank will be highly likely to refuse you. It would be least 30k of debt on a 9k wage. No way. 

maybe that's why I'm laughing

I wouldnt be laughing if I was in your position but then again I wouldn't get into this position on such a low income.

The amount of advice you have been given and you still credit hungry. Why so? 

Long term purchases, cc's will come and go, 2022 will be repaying to restore 5% utilisation.
Essential home improvements means if time arrives to move, then flat goes onto market.
I'm not overly concerned and looking forward to next few years repaying credit.
Three years time and then that would be one more year for most finance.

Only difference is I have not opted for a personal loans as comfortable with various finance packages.

Today's consolidation is slim chance, though  becomes a more realistic option in next year or two.

Sncjw

Doesn't become a realistic option at all with the low income.

How are you paying for these home improvements you say you haven't opted for personal loans as comfortable with finance but this whole post is asking about a personal loan because your not comfortable with the finance. 

Dandytf

No
This post was considering if consolidation personal loan would be suitable rather than three finance payments,
It is as stated my post from Experian prompt suggesting to search loan options.

Sncjw

Dandytf said:

Sncjw said:

Dandytf said:

Sncjw said:

Dandytf said:

maybe is should try mse advice 1st and approach my own bank 🤣

Even your own bank will be highly likely to refuse you. It would be least 30k of debt on a 9k wage. No way. 

maybe that's why I'm laughing

I wouldnt be laughing if I was in your position but then again I wouldn't get into this position on such a low income.

The amount of advice you have been given and you still credit hungry. Why so? 

Long term purchases, cc's will come and go, 2022 will be repaying to restore 5% utilisation.
Essential home improvements means if time arrives to move, then flat goes onto market.
I'm not overly concerned and looking forward to next few years repaying credit.
Three years time and then that would be one more year for most finance.

Only difference is I have not opted for a personal loans as comfortable with various finance packages.

Today's consolidation is slim chance, though  becomes a more realistic option in next year or two.

You just said you didn't want to get personal loan as happy with finance.. you do realise Experian isn't the best place to take debt advice. Plus you wouldn't get it anyways. 

Dandytf

Sncjw said:

Dandytf said:

Sncjw said:

Dandytf said:

Sncjw said:

Dandytf said:

maybe is should try mse advice 1st and approach my own bank 🤣

Even your own bank will be highly likely to refuse you. It would be least 30k of debt on a 9k wage. No way. 

maybe that's why I'm laughing

I wouldnt be laughing if I was in your position but then again I wouldn't get into this position on such a low income.

The amount of advice you have been given and you still credit hungry. Why so? 

Long term purchases, cc's will come and go, 2022 will be repaying to restore 5% utilisation.
Essential home improvements means if time arrives to move, then flat goes onto market.
I'm not overly concerned and looking forward to next few years repaying credit.
Three years time and then that would be one more year for most finance.

Only difference is I have not opted for a personal loans as comfortable with various finance packages.

Today's consolidation is slim chance, though  becomes a more realistic option in next year or two.

You just said you didn't want to get personal loan as happy with finance.. you do realise Experian isn't the best place to take debt advice. Plus you wouldn't get it anyways. 

I don' use Experian for debt advice, that was S.C.
Experian are offering user's links to potential credit choices.
Let's finish this thread.

thanks mser's maybe I'll be posting during next 36 months, via other mse threads.

Dandytf

Only to address misinformation from non believer's...

EV it's a car, arrived with 106 top range, knowing that Batteries degrade over colder months, hence 76-90 miles top range, reset and seeing 132 miles top range, fact is it will drop again as I'm averaging 2-2.5 miles local trips.

Brand new windows fitted today, reminder of 4.295k cost  9%apr.
Waiting patiently for Aqua to return, happy days.

thanks

Grumpy_chap

AIUI, EV cars do not suffer from poor efficiency on short trips in the same way as ICE cars.

I understood from your other thread that you were not getting the Aqua Card as there was no clear reason to have it.

You will be better if you can pay down the debt you have rather than taking more.

Sncjw

Yeah links to more debt that you don't need. 

[Deleted User]

Obsession with utilisation is bonkers.

5% on credit card utilisation is irrelevant as it ignores all the other debt / finance you have