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Data Protection Act
In my effort to realise how much I have squandered on credit card interest, I wrote to the company asking for the figures (under the Data Protection Act). It replied asking for £2.50 per statement which would total over £100! Does anyone know if they are able to do this as I thought there was a much smaller charge? Any…
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can someone work this out??
hey all, i recently transfered £1160.07 from capital one card with an APR of 16.9% to a very good deal (i thought) that i had managed to squeeze out of my bank 1.9% for 12 months. (this card had a £0 balanve when i transferred) I just recieved my monthly from my bank and my minimum monthly payment is MORE than i was paying…
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SHELL Garage WARNING!
"Anybody who has used a SHELL garge within the last six months should now seriously consider changing their PIN numbers they've got for their credit or debit cards" Nigel Evans MP: Radio 4 You & Yours, Monday 19 June 2006. At least SHELL took positive action. In the USA if an ATM or PIN pad is rigged, the - operative has a…
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Barclaycard
Yesterday I received a letter from Barclaycard advising me that the min payment has been increased to 2.25 percent. Also my APR on the Plat visa and mastercard has gone from 17.9 to 19.9 and cash advances to 27 percent. However it will not really affect me because on the plat visa I have a bt for life of debt at 2.9…
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Student + Credit Card = ???
Hi guys!! I hope you're all well and saving money! I'm a 20 year old medical student in London, and I've been reading Martin's tips on credit cards.. Now, I was always told to steer clear of credit cards, but listening to Martin, it seems that I MIGHT have use for one!! I'm not in debt and theres good credit in my debit…
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Charge back nightmear
Please can anyone give advice please. I brought a kitchen from a company who I meet at the Ideal Home Show. I payed over £6000 for them to install the kitchen. Don't like finance so I paied on the credit card. Any how to cut long story short they started on April 23rd. Should of taken a week most. They left the job half…
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Morgan Stanley CC Cheques
I received some of these a few weeks ago. They were offering 5.9% on BTs for 5 months. I needed to use them to help me pay for a few things (expensive month with car insurance due) so after reading the info quickly I decided to pay £300 into my current account to help me out. On the leaflet it said that you could use the…
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Missold a credit card
Hi, I was wondering if anyone could here help me. When I was eighteen (I'm 25 now) I applied for a student account at my Natwest branch before I joined University. The account was a package which came with a student credit card. I was never asked if I wanted a credit card or not, just 'would I like a mastercard or visa'. I…
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Someone has used my address to obtain credit.
I've just found out that a cousin of mine has given my address as his own to obtain credit to buy a contract mobile phone. He is a an unemplayed lazy layabout so I know that he won't make any payments I'm raging as it's taken me years to get a high credit score and have no debts at all. At the moment I don't know who he…
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Help regarding credit reports and acceptance
I just recently opened a current account with abbey national and on same time i applied for abbey credit card . so today i got a letter that we cant issue credit card coz of your credit check with Experian...( but then why did they opened my cuurent account) but i got barclay card 4 days ago ...... so i checked my credit…
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Card Protection Payment Taken After Account Closure
Hello, Just wanted to warn people (sorry if you're already aware of this) that if you cancel a card, make sure that any standing order you have set up on the card is also cancelled. I had a nasty shock this morning when I discovered that a card I'd cancelled 6 months previously had been charged £29, thanks to a 12 month…
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Capital One - 0% for 18 months on balance transfers
(reposted from The Best Balance Transfers Article Discussion Area, if that's OK. Thought it may not get any attention there) Capital One are now offering 18 months interest-free on balance transfers, with two conditions - a 2% handling fee and you have to spend £100 on the card within the first three months of opening the…
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New NationWide Gold Credit Card Question?
Recived my first credit card today 22.06.06. The issue date on the card states 06.06.06. Why is the issue date before I even applied for the card?? Secondly, does this mean the 9mths intrest free period end 9mths from the issue date (06.06.06)? Also in the process of setting up a Current acount (NationwideFexacount) to…
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claiming refunds from credit cards!
Please help, had bought Robbie tickets on credit card through Get Me Tickets only to find out that they have gone bust:mad: I have contacted my credit card company and said that as the purchase was made more than 60 day ago it is unlikely i will be able to get a refund back!:mad: :mad: Is this right? or true i had not been…
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question
ive bought something on ebay which i need to collect, is there anyway of pay for it using a credit card online some way other then using paypal? thanks
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Is having a second 0% CC bad in my situation?
Hi, I leave university this August, and go straight into a job as a trainee chartered accountant in Tunbridge Wells. My budget for next year leaves me on £37 per week after all necessary expenses, so I'm thinking of getting a second credit card with 0% on purchases (Sainsbury's seems good: 0% on purchases for ten months),…
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Poor Customer Service on Amazon Mastercard
A couple of months ago I got an Amazon Mastercard. However whenever I phone up (it's the halifax which run it) they have the worst customer service I've ever experienced. I'm not a fan of phoning up, speaking to an answer machine and being cut off. Also the loyalty scheme doesn't appear to work. The Halifax think it's…
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Bank of Scotland Credit Card - hard sell
I am a credit card tart and recently switched to the bank of scotland NSPCC card as recommended on this site. When I called to activate the card I was given the worse hard sell for card and payments protection I have ever experienced. The advisor was aggressive and confrontational. Had I been a vulnerable or old person I…
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Help! UK Expat looking for 0% balance transfer credit card
Does anyone out there know if any of the credit cards offering 0% on balance transfers are available to uk expats? I have looked at many, and the fine print is that you need to be a permanent uk resident. My status is that I am a non-resident British citizen but own property in England. I have a UK credit card, but am…
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Barclaycard increase cash rate to 27.9%
Luckily for me, my Barclaycard account is closed, but I still got a letter from them this morning outlining changes from 1st August. These are partially in response to OFT report. Looks like they getting the money they're losing from late fees by increasing the cash rate, so be warned!! Selected summary of changes: The…
