Hi all I am new to this site. I am sure I am definateley not alone on this. But please it is really ruining my life. I am 20 years old 21 on 23rd April and I am in full time employment earning around £14500 a year. I have an arranged overdraft of £1000 and a persoal loan of £3000 which i have paid £176 of. I bank with HSBC and my loan is also with them...:confused: At the moment my overdraft is up to £1300 (obv getting charged)....I have sent a letter to the bank as martin advised to claim charges back totalling around £500. I'm sure I am also entitled to some Tax owed to me as I used to work in a stables where I worked full time for £80 which was obv not NMW so i sued but got taxed loads..so I am sure I am owed that money...Inland Revenue are on the case for me..taking a while though.
I really really really want to be debt free (who doesn't) I have applied for loans and credit cards to try and help but they all refusing me saying I have a poor credit rating...which I dont see why as I have paid my payments on time!! Please help it making my life a misery...tips, hints, advice all welcome.. Thanks:mad: