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need advice of a thret mad by debt collecting company
:mad: :mad: can anyone advice me please. some one from a debt collecting agency has just told me they can put a charge against my house for the debt i owe the credit card company. it wasnt secured against my house at all. can they do this? i offerd to make regular payments but they wouldnt accept it,so its of to court ive…
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What are the best Credit Cards to use abroad
My credit card, issued by Frizzells (Liverpool Victoria), used to be brilliant when used abroad. Not only did they not charge commission (in Europe) but they also gave the bank foreign exchange rate rather than the tourist rate. However they have announced that they are going to charge commission on all puchases AND they…
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wife Lloyds 0% transfer disaster, advice please
Appologies for the length of this thread..... I advised my wife to transfer her 3 store cards onto a 0% interest free card for 9 months to help reduce down her balance then "Tart" again in another 9 months. She did this the end of Jan then went on holiday and came back and phoned Lloyds bank to make sure all have gone…
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Tesco Credit Card - Watch repayment date
Please watch your repayment dates. I have been in banking since 1972 and over the years have used many credit cards in all their shapes and forms. I have always paid my bill not one week or 4 days before due date but 3 days before as I have ALWAYS known that the money left my account on say Wednesday and would be credited…
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Fraudulent use of credit cards
Having recently had my CC fraudulently used, I have given more thought to its use. I now have covered up the 3 digit security code with a small piece of sticky label, which prevents it being seen in any establishment when the card is used( Providing it does not go out of sight.) However,I had just given my CC details (…
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Warning - HSBC - Problem with direct debits
I've been expecting the first min payment on my new HSBC card to go out in the last couple of days - nothing has been taken, and now they've put a late payment charge on my account! Luckily, I have confirmation from them that the dd was set up, so I rang them - they've refunded the charge without quibbling, as they said…
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credit cards on benefits
I'm sorry if this is in wrong place. it's my first post. Interested in getting a credit card - for quidco cashback and stoozing but am on benefits. My partner and I get around £8000 a year as I'm her full time carer (this is paid into my account). The only debt I have is student loan of around 13K and I dip into arranged…
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Fraud on credit card help?
recently my credit card was misued with charges mounting over 3k! i reported it to the authorities and they are investigating. i dont know how much my genuine balance is so i i didnt do payments to my card for the last 2-3 months. they said fraud charges will be reversed after investigation but its been over 2-3 months…
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British card with USA address, possible?
I'm going to be doing a lot of travel between here and the US over the next few months. Is it possible to get a British credit card that will accept a US address for billing (I could happily put our US office down as the address). I would like to be able to make purchases online when I'm out there, and a lot of the…
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Doesn't ANYONE have an answer?
Why do people get Credit Card after Credit Card and mount up huge debts yet I can't even get a life of balance or 0% card to help with the APR of my current Credit Card? I want to Transfer my £2600 balance onto a 0% or Low APR Life of Balance Card but can't get any! Anyone know why I can't get cards but people get card…
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Mortages and credit scores
This is a quick thick question, Me and my partner are looking to buy our first house. I know my credit score is a bit iffy, will this have any affect on us getting a mortgge or the rate that we get??
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HSBC statement help please
When you register for online banking with the HSBC credit card do you still receive a normal paper statement through the post. Thought i would ask here first as i havent received a statement for this month or last month. Thanks for any help.
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Credit Rating inquirey rejection?!
Hi, I just tried to find out my credit rating on https://www.Experian.co.uk and they rejected my request. They then said I had to send them two pieces of identification to prove my address and identity. I moved to a new address in october and I am on the electrol role and everything. I have been trying to sign up to a cash…
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Mbna Rewards American Express
Hallo all, Has anyone recieved an off for an upgrade from MBNA platinum to the MBNA Rewards American Express? They are stating that you earn 1 point for every £1 spent. Ive tried speaking to the customer services staff and visited their website but it doesnt show what you recieve for your points. The only way of knowing is…
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Another newbie wanting help please
Probably a stupid question but I'll ask anyway... I pay my c/c about 2 days before the due date to keep the money in my current account longer. Would I be better paying my c/c the day that I get paid instead of waiting? In other words, does the interest get charged on a daily basis for c/c's? Many thanks
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0% Interest card transfers
I'm sure there is some sound and more than likely very simple advice out there which could help. Credit card rating had a number of scores which although in the main have been paid off are still appearing ( a score of 2 on one for missing 2 months payments of £5 pm) Steps in hand to try to get these amended following…
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Getting my credit rating - addresses?
I've just read Martin's guide on how to get your credit rating: http://www.moneysavingexpert.com/cgi-bin/viewnews.cgi?newsid1101485056,23650 And I have a question: I was out of the country for 21 months from Jan 2004 - Oct 2005 including 12 months in Australia. Do I need to mention that when requesting my credit ratings?…
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Credit limit lower than what I wanted
I wonder if any of you helpful people out there can give me any tips with this please. We have £4500 on a Sainsbury CC at the moment and the 0% period is coming to an end really soon so we need to move to another card at 0% with no balance transfer fee. We applied for a HSBC card and asked to transfer the full amount. We…
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Egg Card 0% Anniversary BT
Is this something you get every year or just for the 1st 2 anniversary periods.
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empty credit report
Morning all. Just after some tips for my partner really. He keeps going on at me about trying to sort out his credit so finally the other day I agreed to try and help him find out why he has no luck obtaining credit. He hasn't had any credit for 5/6 years now. After recieving his credit report I noticed a couple of things…
