LewisD wrote:Had my bank appointment.
Not sure the outcome was what I wanted.. :/
They can't offer any consolidation loan or 0% card because I'm always in my overdraft each month (I wouldn't have gone if I wasn't!).
She said they can't reverse the overdraft charges that have taken me
over my overdraft limit yesterday.
I was given a pamphlet and a card for a debt advise company to ring "They help people like you.. in your situation".
They open Monday so I'll give them a call. Apparently they can make card companies freeze interest and banks from applying charges. Then they negotiate with them on my behalf to work out payment plans.
Probably my best bet to get out of this scenario.
It was funny though, she took my income, deducted the outgoings then said:
"Well, you have approximately £80 disposable income each month, so you should be fine each month, in theory."
"Yeah but then you apply a £95 charge each month for going so far into my overdraft"
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