Jump to content

Dog Breath

Registered Users

Change your profile picture
  • Posts

    2
  • Joined

  • Last visited

Reputation

1 Neutral
  1. I don't have any PPI to claim. I suspect if I ask for the charges to be refunded I'll not get very far. To be fair it's not a huge amount anyway.
  2. I have a bit of debt. It's not massive but it's at a level where it stops me from enjoying life. I had a few problems changing jobs last year where I didn't get paid for three months and wasn't entitled to benefits. So I had to either borrow or not pay bills, eat etc... I've worked out I can pay and extra £50 or so a month to clear it a bit quicker but I'm not sure in what order to pay it off. They highest interest debts are my smallest and don't really cause a problem. It's the following. Loan around about £5500 still owing. I pay about £240 a month. Low rate of interest. About 2 and a bit years left to pay it off. Credit card one about £1000 owing, at credit limit. Minimum payment is about £45 a month. Keep getting £12 charges for going over credit limit. (I'd like to keep this card when I get back on track because the interest rate is reasonable). Credit card two about £1100 owing, at credit limit. Minimum payment about £65 a month. High interest rate. Keep getting hit by £12 charge for going over my credit limit. Have cut this card up. Credit card three about £200 owing, at credit limit. Minimum payment about £7 a month. High interest rate. No charges. I've also cut this card up. What debt should I pay the extra £50 on and in what order to get it paid off more quickly. Before it is suggested I have looked at 9723567356506853286 ways to consolidate the debt but I can't get a loan, probably because of how much I owe already. Also I can't raise my credit limit on the card with the better interest rate so I can do a balance transfer. So I'm just left with paying off the debt.
×
×
  • Create New...