would a loan/cedit card be stupid?

RAS

rach

is there an APR listed on the credit agreements that you have from provident and naylor?

Also are there any early redemption charges?

RAS

rach! wrote: »

provident loan one loan of 500 add 325 @ 15 per week left to pay 330
provident loan two loan of 300 add 204 @ 9 per week left to pay 405
naylors loan 200 add 103 @12 per week left to pay 195

my basic guess on these loans is that the APR is over 100% and you will take between 2 and 4 years to pay them back. When we know more about early redemption penalties, you can think about the options.

Do you have a credit union in Brid or Scarborough? Please join them and set up a DD to pay them say £10 per month. Then after 6 months you should be able to borrow upto £180 if you need to pay a large bill at a low rate. Much better than provident Loans.

yorkshire bank closed and went to citibank i think they are charges we are paying not sure anymore, will find out how much left to pay monday

Sort out reclaiming the charges in this.

citibank closed this account as couldnt get any sense from call centre when we had any queries so gone to natwest, these are charges and 40 of 50 left to pay

Sort out reclaiming the charges in this. Then set up a DD for this amount into a savings account.

yourcalls.net was a telephone provider (cheap) but found cheaper and changed these are charges i believe will find out monday how much owing

capquest is for the old catalogue i think littlewoods what is CCA letter please? this is finished 15th march.

regarding the CCA letter, see post 19 on page one of this thread. Send it ASAP. We may be able to get back what you paid them already if they do not have it.

catalogues

my littlewoods around £100
OH littlewoods i think £300
my jdwilliams around £700
OH jdwilliams around £250

So you have acquired another £1350 of expensive goods in the last year or two. Please stop using catalogues - they are much more expensive than buying stuff in the shops and should have money to spare.


ERYC 1 payment left now 15th march = good

swintons £60 charges i believe OH bought a moped from someone got insurance so he was legal to drive it, found out it was dodgy gave it back cancelled and these are the charges i believe £60 but £40 left to pay.

and to be honest i dont know what happens to the rest

It might be best if you start a spending diary to see where money is going. Also check old bank statements to get an idea.

although i know some of it is OH alcohol problem, so you need to add an amount to your SOA for OH alchohol problem - how much £200 a month, £500?

but its not all i would love to try and save around £100 p/m

The problem here is try.

How do you manage your accounts? Do you have a joint acount that you can both sign for, separate ones?

Whatever, you need to DD money out of the ones that OH can access early in the month and then he will not see it so easily.

You have several debts coming to an end shortly. if you set up DDs so that the month aftwerwards, the same amount goes into the credit Union or a savingas account, or get diverted to pay off provident, you will not feel worse off but you will be tackling your financial situation.

rach!_3

whats the credit union? please

RAS

Hi

have a look here for your local credit union

http://bridlingtoncreditunion.co.uk/WhatisaCreditUnion.aspx

rach!_3

only just checked back here
thank you RAS