Can't afford to live anymore!!!

SpiceIsland

Try speaking to the Bank and negotiate on the Overdraft, Freeze interest would be a good offer.

pnq06

Seaxwyn wrote: »

I hadn't been in credit for years either! I literally had a few pounds credit for a few days and that satisfied the criteria. Since I opened the A&L account my Natwest account has been in credit for all but a few days, it's a wonderful feeling being able to keep an account in the black!

Can I just be a pain and ask which account it is?

I'm currently on this link- http://www.alliance-leicester.co.uk/currentaccounts/index.asp?page=home&ct=primarymenu

And I can't find it

xx

GeorgeUK

yes pnq - the CC meant credit card. I thought you may be able to get a 0% offer with an existing lender as they don't usually check your credit score. I would have suggested a 0% card such as virgin, but looks like you've already tried that. Any more credit checks in the next few months and these may also damage you score.

pnq06

SpiceIsland wrote: »

Try speaking to the Bank and negotiate on the Overdraft, Freeze interest would be a good offer.

I should of said that I went into the bank and the only thing they offered was a credit card which worked out to be min £56pm which was more than the overdraft interest GRR!!! :eek:

xx

MoaningMyrtle

How about a weekend or evening job to get extra income?

Seaxwyn

It's a Premier Direct current account. I've just checked on the main part of this website and it is still recommended as the best account for people who are permanently overdrawn - see http://www.moneysavingexpert.com/banking/compare-best-bank-accounts

Good luck - I hope you get it!

pnq06

GeorgeUK wrote: »

yes pnq - the CC meant credit card. I thought you may be able to get a 0% offer with an existing lender as they don't usually check your credit score. I would have suggested a 0% card such as virgin, but looks like you've already tried that. Any more credit checks in the next few months and these may also damage you score.

Virgin refused me and Nationwide (Who I have the loan with) also refused increasing my existing loan despite the monthly repayments being lower

xx

pnq06

MoaningMyrtle wrote: »

How about a weekend or evening job to get extra income?

I would LOVE too but I can't find child care for those hours and don't have any of my family around me and my mother in law is in ill health and has my father in law looks after her so I don't think they would cope with a 6 month old... My partner also works on call and works shifts so I can't rely on him either as his hours and days are always changing...

Gosh I sound really whingey :eek: I do appreciate your input!!!

xx

RAS

Don't take it personally. It is the credit crunch.

They cannot borrow the money on the wholesale market to lend you or anyone else.

GeorgeUK

Doesn't look like there's much else you can do with these accounts unless that A&L thing comes off.

Have you appraised your SOA recently?
Reclaimed CC charges, bank charges, checked your council tax banding, been missold an endowment?