Well .... during my IVA I operated a couple of cashminder accounts with the Co-Op: One for main DD outgoings and the other for Household spending. These accounts have served me well over the last 6 years or so and my intention was to keep them running "as is" for the foreseeable future.
However, with the number of school trips increasing I am finding the need for a cheque book more pressing --- the school use "parent-pay", which, frankly, is beyond my understanding. Luckily they still accept cheques (but no longer my old friend, cash).
So, this morning I popped into the Co-Op to see what could be done. My two Cashminders have been merged into a standard current account (with a chequebook and £5.50 rewards each month). I was offered an overdraft facility, which I turned down and came out with a new, shiny, 6% credit card (well, the real deal will be in the post). So Vanquis (39%) will be biting the dust
And -- added bonus ..... I got chatted up by a young lady in the park
My opinions are merely that .. opinions based on experience. Always seek professional advice.
IVA Completed 23rd July 2013 .... C.C. 10th January 2014
