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Family helping Clear Credit Cards
I have £20,000 roughly on CC's and my family have offered to give an interst free loan to clear these. Do I just pay what is owing or can I haggle for a one off price to clear and close the cards. I have always paid on time and always kept to the credit agreements. Do i scare them by saying I will give you a one off…
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Newbie Needing Help
Hi All, I reccently applied for a capital one card but got refused. I ordered my credit report and I have a few late payments to 2 different companies (This was done a few years ago when I was younger and not so wise.) I spoke to a lady at equifax and she told me that they would be there for 6 years and some credit card…
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0% almost up, don't want to pay a fee
My 0% BT is almost up and I need to transfer! I have 2k needing transferring, can afford to pay 1k off this year. I'd like to avoid paying a fee though, whats my best options? I've had a... Egg Mint LloydsTSB NatWest Halifax card any ideas? I'm willing to fo for a very low interest rate if it outways paying a fee on a 0%…
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Egg Money, Low limit
I also have a Egg Card, I am currently trying to transfer available balance from Egg Card to Egg money, it seems to me that they think this practice to be a pain & are therefore making it difficult. Has any one had this succesfully done before? Also has anyone had a over limit fee refunded by Egg before?
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Section 75 Limits?
I am making a claim against a credit card company using Section 75 of the Consumer Credit Act. I need to know if the limit of the Credit Card companys' liability is the amount I paid for the sevice I failed to receive, or is it the amount required to now fulfil the contract through another company? For example (not the…
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Transferring debt to other people?
I have been tarting effectively for the past 18 months and it's time to transfer my debt (currently £3500) onto the next 0% card. I have applied for two offers, one of the charity cards (NSPCA I think) and the post office card, but have been turned down on both occasions. I was wondering whether it's possible (and more…
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Egg money card - how long to process?
I applied for an Egg Money card online and it came up with a message saying they would be in contact with me - that was about 2 weeks ago now. Was going to contact them but just wondered how long it had taken for others to be contacted or if they had just been issued one immediately through the website? I have previously…
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Chip & PIN Scam - Another Garage
Andy Hillier, the Crime and Disorder Reduction Officer, based at Bedwas, confirmed thousands had been stolen from around 20 accounts cloned from the filling station's chip and pin system.…
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Debit Card Fraud
Hello My husband recently withdrew £40 from an ATM in a shop (one of those independant ones that charge you £1.50 per transaction.) The following day on our statement, we noticed that the machine had taken £40, refunded £40, taken out £40 twice more and then charged us the £1.50 for each transaction. After referring this…
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Equifax addess problems
I recently applied for my credit file from Equifax by post. It was fine but it didn't show me as being on the electoral register for my current address (I have recently moved). So I wrote back with confirmation and asked them to update my file. They wrote back saying that I was showing on the register, however when I…
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First Direct CC Offer
First Direct have a new cc offer on their site:2.9% on BTs for 6 months with no BT fee. Min credit limit £3000 and minimum BT£500
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Problems getting a C/C
I posted back in January that I was trying to get a card so that I can start repairing my credit history but I'm still having no luck I recently applied for an Aqua card (Halifax high interest card) and was refused. What can I do in the meantime? I've ordered a copy of my credit report but need to wait for it to be mailed…
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Hsbc
I've tried getting a new 0% card but can't get one. Anyway, I used HSBC's web chat to find out how much the interest rate would be to balance transfer to them. I currently owe them nothing, Capital One £1800 (15% interest), and Nationwide £1000 (14%). Anyway, HSBC web chat said that their rate was 9.9% for six months which…
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Capital One 0% BT
Hi I've got 2 credit cards, one with a big balance the other with medium balance. We've been working on our finance management recently and have managed to control their use so we're now trying to pay them off. The big balance attracts over £100 per month in interest, the smaller one about £25. We pay the minimum on the…
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Virgin 0% if you come back to us offer
Hi there, I've just had a very interesting conversation with MBNA/ Virgin about their 0% balance transfer deal. I phoned up to say that I wanted to cancel my card and, when asked, said it was because my current 0% deal with them had run out and I'd transferred my balance away. I was then told that if, after the 0% deal I'd…
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Any good? Barclay's 0% balance transfer until paid off
Got a letter from Barclays (usually I just throw away any letters for credit cards), but this one may be interesting. It states: "0% balance transfers until paid off, as a thank you for spending £25 each month" "We offer you 0% on your transferred balance until you've paid it in full. You can transfer as many balance as…
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natwest platinum ccard - mona and groan
took out a natwest platinum 0% for 9 months back in march this year wanted to make payment as easily as possible, i knew if i had sent a cheque it would take 7/10 days to clear and hit my account. cant pay with debit cards, unless 'switch' the past month has been a bit difficult, (car problems), so i knew we where going to…
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Do Egg use equifax or experian checks?
I'm looking at applying for a new card. I have a decent equifax rating, but poor experian as they can't trace me on the electoral register. I can probably sort that out, but it will take a while, so I was just wondering which agency Egg use..
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*NO* Balance Transfer from Virgin to Halifax One
I have just been aproved for a CC with 0% balance transfer for 12 months for a Halifax One CC with a £6100 limit. However, when I go online and try to transfer the balance (£1800) from my virgin card, I get a message that says that they are not accepting transfers from this financial institution. Can they do this !!!
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GE money
I used to have a GE money storecard for Mothercare. I always paid off the balance each month as the only reason I kept the card (DD now 11) is they still send money off vouchers and I use them for present buying. A couple of months ago when the bill came in I mislaid it. I though it was for £12.50 (but it actually £11.60)…
