Hello! Well, the bank didn't say no. At all. It is all going to be ok I think. They were willing to lend me the money, unsecured, at 14% apr - which was a suprise in itself. What I'm actually going to do is get a small mortgage. Agreed in principal. 5yr fixed rate. Whoooopppeee! (small in house buyers therms. Huge in naughty bad debt terms).
I'm super good with this, as there is no way in hell that I will lose my house. Plus It will be a lot less than I pay now (and about 25k less interest overall). We even talked about savings ffs going forward!!
Back next week to do the full application (had been there 2 hours, my ears were bleeding by then). But I'll be able to overpay and everything. Upgraded my current account (free) to get a better rate, plus I'll get interest on my balance in the account. Every penny and all that.
I must just say, the staff in Lloyds could not have been nicer. I was a jibbery wreck when I got there. The lady I spoke to was either suprised or impressed that I knew so much detail about my debt and expenditure!
Thanks for the birthday wishes
£28 lidl on lunch treats (my choice!) £12 The range (pretty papers to make tiny boxes with).
Dp got me a bottle of Daisy Dream Forever, just what I asked for. It smells divine.