C
carly
Guest
Age:
34
Spouse’s/Partner's age:
35
Annual gross income from employment or profession:
E40,500
Annual gross income spouse:
E18,500
Type of employment:
Both private sector employees
Expenditure pattern:spend more then we have
Rough estimate of value of home
E380,000
Mortgage on home
E276,000
Mortgage provider:
BOS
Type of mortgage: Tracker, interest only, fixed rate
Tracker 1% above the ECB
Other borrowings – car loans/personal loans etc
Credit Union- 18,000 (300e per month this should be 475 but they have allowed me to pay 300)
AIB Loan- 10,700 (260 per month)
Spouse AIB Loan 6,000 (54e per week)
Halifax CC 2345 ( i have a standing order of 95e permth since they closed in ireland)
MBNA-13,100 (try and pay 200 per month)
Do you pay off your full credit card balance each month?
no
Savings and investments:
2000 e credit union
Do you have a pension scheme?
Yes, frozen at the moment
Do you own any investment or other property?
no
Ages of children:
4 and 7
Life insurance:
Yes.
Ok as you see from above we have alot of debt but my biggest problem is the MBNA cc i seem to be getting nowhere with this debt.
I have not used this credit card in 18 months and have it ripped up.
All our laons are payed and managed but i ca nt seem to make progress with this cc.
I have applied for numerous loans to pay it off but i was declined.
I have rang mbna and they wont lower the interest until i ahve cleared the arrears
Any advise
Thank you
34
Spouse’s/Partner's age:
35
Annual gross income from employment or profession:
E40,500
Annual gross income spouse:
E18,500
Type of employment:
Both private sector employees
Expenditure pattern:spend more then we have
Rough estimate of value of home
E380,000
Mortgage on home
E276,000
Mortgage provider:
BOS
Type of mortgage: Tracker, interest only, fixed rate
Tracker 1% above the ECB
Other borrowings – car loans/personal loans etc
Credit Union- 18,000 (300e per month this should be 475 but they have allowed me to pay 300)
AIB Loan- 10,700 (260 per month)
Spouse AIB Loan 6,000 (54e per week)
Halifax CC 2345 ( i have a standing order of 95e permth since they closed in ireland)
MBNA-13,100 (try and pay 200 per month)
Do you pay off your full credit card balance each month?
no
Savings and investments:
2000 e credit union
Do you have a pension scheme?
Yes, frozen at the moment
Do you own any investment or other property?
no
Ages of children:
4 and 7
Life insurance:
Yes.
Ok as you see from above we have alot of debt but my biggest problem is the MBNA cc i seem to be getting nowhere with this debt.
I have not used this credit card in 18 months and have it ripped up.
All our laons are payed and managed but i ca nt seem to make progress with this cc.
I have applied for numerous loans to pay it off but i was declined.
I have rang mbna and they wont lower the interest until i ahve cleared the arrears
Any advise
Thank you