camperlove
Free Member
Sorry for all for the waffle. Never been good with explaining situations.
I had debt with bank A. Some time ago I transferred this debt to bank B with zero interest for 18 months, but paying the min amount of about £50 pounds a month. ( this went up to £130 with interest)
Over time with bank A, my main branch of about 35 years, I got into debt a little bit more.
My accountant said I had to separate private and business transactions. So while walking the high street doing my errands, I found the XXX bank, without research, opened my private account and did my 1st post on here, on their wonderful deals. bank c.
They then asked me if I wanted a credit card with 0 interest and 0 transfer. I did post this on line, to you people, and I accepted the deal, hence bank c.
I transferred ALL of my debt from bank a, about one and half grand, and most of the debt from bank b to bank c.
bank a is now paid off, bank b mostly paid off, other than 900 pounds , and all debt now sitting with bank c , interest free for ONLY 12 MONTHS AS I DID NOT DO MY RESEARCH.
Bank a, emails me with the offer to trf my debt to them with 0 percent interest for 18 months and no trf fees..........??????? Hello....???? I had debt with you yonks ago and trf it to bank b. Last month I trf the rest to bank c. However as you are asking, I have £900 outstanding with bank b, can I transfer? ..Yes ..please note people if you are lost.....I trf this from bank a to bank b, part to bank c, now back to bank a. Im following the 0 percent interest rate.
To smack sardines in my face, bank b which had the £900 debit , now trf back to where it came from bank a, is now debtless. So they offer me a 0 percent transfer of any debt I have.????????
If you have lost the jist of what I am trying to say, so have I. All I know is, I now pay zero interest on everything. I was paying bank b £50 odd pounds a month, then it went up to £130 odd a month because my interest free years was up. bank a after 30 plus years was never interest free, as it was my main account, Someone, bank c, offered me the 0 percent deal, so I took it. I thought it was good, but 2nd thread I posted on finances will show it was a lousy deal.
End of thread, im interest free, saving myself over 150 pound in interest per month.
Keep up with modern trends...as there are 4 years interest free accounts I did not know of
Moral of long winded story........I pay 0 interest on everything. By trf everything. Moral of story I don't understand, ....as soon as I trf the debt, that same bank offers me to trf the debt back at 0 percent interest. Why not give it to me in the first place? Are the banks missing a few brain cells???
I had debt with bank A. Some time ago I transferred this debt to bank B with zero interest for 18 months, but paying the min amount of about £50 pounds a month. ( this went up to £130 with interest)
Over time with bank A, my main branch of about 35 years, I got into debt a little bit more.
My accountant said I had to separate private and business transactions. So while walking the high street doing my errands, I found the XXX bank, without research, opened my private account and did my 1st post on here, on their wonderful deals. bank c.
They then asked me if I wanted a credit card with 0 interest and 0 transfer. I did post this on line, to you people, and I accepted the deal, hence bank c.
I transferred ALL of my debt from bank a, about one and half grand, and most of the debt from bank b to bank c.
bank a is now paid off, bank b mostly paid off, other than 900 pounds , and all debt now sitting with bank c , interest free for ONLY 12 MONTHS AS I DID NOT DO MY RESEARCH.
Bank a, emails me with the offer to trf my debt to them with 0 percent interest for 18 months and no trf fees..........??????? Hello....???? I had debt with you yonks ago and trf it to bank b. Last month I trf the rest to bank c. However as you are asking, I have £900 outstanding with bank b, can I transfer? ..Yes ..please note people if you are lost.....I trf this from bank a to bank b, part to bank c, now back to bank a. Im following the 0 percent interest rate.
To smack sardines in my face, bank b which had the £900 debit , now trf back to where it came from bank a, is now debtless. So they offer me a 0 percent transfer of any debt I have.????????
If you have lost the jist of what I am trying to say, so have I. All I know is, I now pay zero interest on everything. I was paying bank b £50 odd pounds a month, then it went up to £130 odd a month because my interest free years was up. bank a after 30 plus years was never interest free, as it was my main account, Someone, bank c, offered me the 0 percent deal, so I took it. I thought it was good, but 2nd thread I posted on finances will show it was a lousy deal.
End of thread, im interest free, saving myself over 150 pound in interest per month.
Keep up with modern trends...as there are 4 years interest free accounts I did not know of
Moral of long winded story........I pay 0 interest on everything. By trf everything. Moral of story I don't understand, ....as soon as I trf the debt, that same bank offers me to trf the debt back at 0 percent interest. Why not give it to me in the first place? Are the banks missing a few brain cells???