K
Maybe transfer your €3k one to a 0% for 12 months?
Lending to people looking to consolidate existing loans is a no no at the moment.
Not sure this is strictly true, I was contacted out of the blue last Friday by BoI and asked if I was interested in consolidating my existing debts, I called in to the bank this Tuesday and signed off on forms today (Thursday). Debts were 3k on CC, 9k personal loan and 2k OD from a salary of approx 48k. Just doing the maths now and I reckon this puts at least a couple of hundred back in my pocket per month...... Reduction of the OD limit and CC limit to 1k each was a condition of the loan.
Nutsy
Nutsy,
Were the loan, Credit card and Overdraft all with BOI?
yes, all with BoI. I agree with you about the need for things to tighten up, I know that I for one definitely lost the run of myself there for awhile in the 'boom', tbh I was just glad to get the opportunity to consolidate and start with a relatively clean slate. CC going in the cupboard, OD for emergencies etc, I used to live like that once.........
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