Is there any company out there in Ireland that can help with a consolidate loan. I went to my original bank and they refused. Also tried restructering but could not also because of arrears.
Income a month: 2240
BOI Loan: 10,000 = in arrears of 650 (cancel pay pro on this to pay this off) The loan never seems to be doing down as interest is going on there every 4 months of over 250 euros.
Repayments of 228/month over 5 years.
GE Loan: 10,000 - No arrears at the time been, yet again Im paying 240/month over 5 years - cancelling Pay Pro also which will bring it down to 206/month.
BOI Visa - Card has been cancelled so no more usage. Arrears of 2200 which interest accumilating every month also. Bank is willing to set a repayment of 75 euros for the next 3 months and then try up it after that date.
PTSB: Non - overdraft debit of 1000 euros.
BOI O/Draft - 1000 (every 24th when my wage goes in it clears the whole overdraft but then i need access to all my wage again so by the end of the month im back to -1000 on account) Cant cancel o/draft as my income would clear it but then would not have access to any funds.
Bord Gais: Arrears of 900 - heating has been cut off last few weeks. Its freezing here - omg winter is coming.
ESB: Monthly bills usually 60 -100 every 2 months. But arrears of 550.
Rent: 700 every month. Never late with this so far.
My aim is to clear all the arrears, then try clear all loans before due date etc.
Has anyone got any ideas or suggestions.
Will be thinking of heading to Mabs at the end of the month as i have a week off, need to do some serious thinking.
Thanks
Income a month: 2240
BOI Loan: 10,000 = in arrears of 650 (cancel pay pro on this to pay this off) The loan never seems to be doing down as interest is going on there every 4 months of over 250 euros.
Repayments of 228/month over 5 years.
GE Loan: 10,000 - No arrears at the time been, yet again Im paying 240/month over 5 years - cancelling Pay Pro also which will bring it down to 206/month.
BOI Visa - Card has been cancelled so no more usage. Arrears of 2200 which interest accumilating every month also. Bank is willing to set a repayment of 75 euros for the next 3 months and then try up it after that date.
PTSB: Non - overdraft debit of 1000 euros.
BOI O/Draft - 1000 (every 24th when my wage goes in it clears the whole overdraft but then i need access to all my wage again so by the end of the month im back to -1000 on account) Cant cancel o/draft as my income would clear it but then would not have access to any funds.
Bord Gais: Arrears of 900 - heating has been cut off last few weeks. Its freezing here - omg winter is coming.
ESB: Monthly bills usually 60 -100 every 2 months. But arrears of 550.
Rent: 700 every month. Never late with this so far.
My aim is to clear all the arrears, then try clear all loans before due date etc.
Has anyone got any ideas or suggestions.
Will be thinking of heading to Mabs at the end of the month as i have a week off, need to do some serious thinking.
Thanks