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D-Day

Discussion in 'General Chat' started by littleBichon, Apr 12, 2011.


  1. littleBichon

    littleBichon PetForums Member

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    Just got my letter from the bank telling me that my student overdraft will no longer be interest free as I am no longer a student and have had a year to earn money. So from 26th June and I will be charged £2 a day until its cleared.


    I knew this day would come but :eek: :crying:

    I hate banks!
     
  2. Fleur

    Fleur Vassal to Lilly and Ludo

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    Start shopping around for another bank prepared to take the Over draft (lloyds charge £5 a month plus interest for planned overdrafts) or if not a loan.
     
  3. jon bda

    jon bda Guest

    Halifax charge me a pound a day iirc for my arranged overdraft...when THEY lost my wages recently and i went over that, they charged me £5 a day...think Lloyds may be my next port of call!!!
     
  4. littleBichon

    littleBichon PetForums Member

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    Ive been looking at loans.. I just dont know if its the right thing to do..

    Halifax are my bank too. Im going to spend this evening trying to figure out what I can do, I know I cant afford an extra £62 a month :blink:
     
  5. GoldenShadow

    GoldenShadow PetForums VIP

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    HSBC are good. Lloyds I have heard and had bad experiences with.
     
  6. jon bda

    jon bda Guest

    Lloyds are all under the same name as Halifax now it would seem...
    :(
     
  7. littleBichon

    littleBichon PetForums Member

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    ahh yes, they bought Halifax! Its all coming back to me now.... :lol:
     
  8. Fleur

    Fleur Vassal to Lilly and Ludo

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    Get a quote from your bank - DO NOT go on any find you a loan websites, some of them charge you for looking for loans :eek:.
    Look at the cost compared to the Overdraft - I wouldn't of thought you'd be paying £62 interest a month on a loan. Also because a loan is a structured way to pay back it'll probably be paid back quicker unless you are very disciplined.
     
  9. littleBichon

    littleBichon PetForums Member

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    Well ive done it.. Ive applied for a loan that will allow me to consolidate and pay off debts and pay around £25 more than Im paying now but debts will be paid and its a damn site better than £62 extra :blink:
     
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