Last night, while waiting for my chicken soup to defrost, I attacked the ever growing pile of paper work. It was a bloody battle, but there could only be one winner. Me. HAHAHA!
I did my usual trick of throwing most of it out – if I can get it online if I need it again, or if I don’t get a feeling I should keep it, it goes. It’s amazing quite how much stuff I accumulate in a short space of time, though it was probably exagerated by all the recent remortgage paperwork.
I also spent a while researching why Scottish Widows said I failed their credit check. It appears that having bank accounts with zero balances can negatively impact, and also having lots of accounts can work against you too. I’m guilty of both.
So last night I wrote letters to the high street banks I use requesting they close down some accounts, and phoned the non-high street banks to do the same. Why the high street ones won’t allow you to close accounts by phone I have no idea, really annoying. Once completed, hopefully I won’t have any further credit issues.
On a related note, and further to an earlier post (thanks to all who replied), I’ve decided I’m going to switch my HSBC accounts over to Abbey. Wish me luck, there’s a lot which can go wrong.