I got the additional £255 for another purpose to repair my car, but in the end didn't repair the car

The £255 was a top up loan I got from p2p, but have't used it up as of yet, regarding the credit card I've got a direct debit set up to take £35 a month and when I pay the card of I will set up to repay in full and maybe use it for travel and lunch money for work which is £5.00 a week, the £255 for the moment is in my hsbc o/d account The pdl amount will clear on wednesday as it is the due day

Just checked the interest in the credit cards and o/d B,card - 29.9% HSBC c/c - 19.9% HSBC O/D - 19.90% Burton - 29.9%

The thing with the pay day loans are that, if i make a additional £255.00 payment and that will bring the balance down but pounds to pocket add interest daily so in a month i will be worse off as it accrued interest, so If i use my credit cards and save the cash from the account and pay in one lump sum

Hi, No default markers but my noodle report says 1/5 but has improved from last month, I would not like to go on the dmp route, would it be better to pay in equal measure of all my credit card for example today i can pay £100.00 each on both my credit cards or would it be better to pay off one altogether

Citizen 8- Yes No No No I not using the credit card On the HSBC O/D - There is a £20 charge. thats the one charging alot of interest as well as the pay day loan

Hi all, I am in need of advice, below are listed my debts. HSBC O/D £1,499.90 £50 a month payment HSBC Loan - £2552.90 £105.05 a month payment HSBC C/C- £992.90 - £500 was b/t - still 1 year to go - £50 a month payment P2P - £905.25 - £131.37 payment First D O/D - £407.90 B,card - £255.90 - £35.00 a month payment Burton card - £150.00 £20 a month payment Which one shall I pay off first, I have £255 to pay off one thing, shall i pay off my credit card and use them whilst I throw the cash in the o/d ?

How can I ? Nope no late or defaults , however I may have one late payment on barclaycard , I was on 9k a year but now i'm on 13k on a new contract which starts on 2nd April that will be the 1st payment of my 13k salary so i don't know ho much i will be getting monthly I have a o/d of 1,397.90 with hsbc , 868.27 with hsbc and 225.99 with barclaycard which i told them I will close once i clear the barclaycard , I have 2 direct debits one for blackhorse which will end soon and one with orange which is ongoing and pay 150 quid rent to parents if i get the loan 60 quid will be on petrol around 20 quid will be on food the rest will be towards the loan and extra payments

what does that mean ? I know it has been referred for further inspection , do you they have a look at your application and give you a answer ? , can they accept and reject it ? It's for debt consolidation and for a car

Got it , rang my insurance company asked everything that i needed to ask , I will phone the finance company let them know that car its a write off , the finance company will liase with the insurers to negotiate the settlement fee and i will pay the offset fee if different , once they settle i will ask for a settlement fee and will pay it off , and start saving for a new car don't want another on finance want to use cash , thanks for all your help

Thanks I understand , the only reason I will buy back the car is I know a mechanic who can fix the car and get parts very cheaply do all the tests then sell it , I know don't have gaap insurance when i bought the car no-one informed me the car is like new except for the damaged bits , i know i can sell it , or the engine has done 12k on the clock i could sell the engine , whoever buys the car will fix it and sell it why can't it be me . someone rang me just now and asked if i had a personal injury and i did he said i couldn't claim as i was at fault for hitting the barrier , is that correct ? Ok the insurance company inform me the car is a right off , do i then call the finance company or let the insurance company do it ? Would the finance company fight on behalf of me to get a higher fee or would they settle for a lower fee as i will continue to pay them ? Could I get another car on the same agreement on another car ? , could i claim back my paid insurance money ? It's all very confusing

Also can I buy the back from salvage , I have a mechanic who can sort it out for me , whilst I use other means of transport

I've only used two months of my insurance policy i still have 10 months of cover left , do i get the 10 month worth of insurance back that i paid for ? You mean pay of some of the car existing finance , buy another car and add the new car finance to the existing one ?

Oh ok , the body shop took away the car now , I will definitely check how much the car is going for , I don't think i can afford another car at present , I am aiming to pay off the finance then start saving up for a car , don't want to do this finance thingy again if i do take gaap insurance then maybe but i doubt it , I'm looking at my agreement the car is 7791 + interest and charges £3287 plus credit facility fee = £11,368.80p wow I can ask them to settle they will send me a amount to settle and how to settle , shall i phone them up now and ask or shall i wait till my car is written of , i might aswel ask for a figure now thoughts ?

When I get a cheque for the write-off does it go straight to the finance company ? I was thinking of writing it off , buying it back , get a similar car get my engine and interior put it in the new car ? I bought the car for £7.791 and the finance agreement is £11,981 or i could use the settlement money pay the finance off and get another car on finance or cash ?