-
Privacy Guard by Natwest - would you sign up for the free trial?
Hi, In my credit card statement I was given this brochure of Privacy Guard by Natwest. It says from there I will get my Free Credit Report and gives me 30 days of free protection from fraud. I am personally interested in the Credit Report only, hence will most probably cancel them before the 30 day trial ends. Do you think…
-
Can I transfer my overdraft and what is the best way to do it.
Hello I hope I am asking this question in the right place. I have an overdraft of 2650 - sorry pound sign doesn't work! I do not have any credit cards as I know i would spend on them, but I would like to transfer my overdraft onto one if that is the best thing to do. I would be grateful for any advice please - sorry don't…
-
Fruadulant Application by Ex
Hi I recently sent off to Capital One to try and claim back PPI costs. Yesterday, I recieved a copy of my application, clearly stating that I had requested to Purchase the PPI. Fair enough ... nothing ventured, nothing gained. However, the application form wasn't even filled in by me. Quite clearly my ex filled it in and…
-
credit cards - interest - and protection
I just checked the cards i owe on... Barclaycard platinum balance £2000 interest £42 protection £18 Barclaycard visa balance £400 interest £6 protection £3 Marbles balance £1500 interest £14 protection £12 Coop balance £12,000 interest £80 protection £90 Virgin card balance £10,000 interest £16 protection £78 Ybank balance…
-
Barclaycard Initial Automatic Upgrade - But to what Card?
Hi there, I have just spoken to Customer Services at Barclaycard and they have told me that my account is now in the process of being upgraded. The woman I spoke to said she did not have exact details of what type of account it will be, but it will have been done by this coming Friday.I have had the Inital card for coming…
-
No Credit History
Hi This is my first post, Although I've been browing the site for a while and found out some very useful stuff so thanks! :) Im posting now though as i've hit a brick wall with what im trying to do. Im a 27 year old with no credit history at all, I would like to build a credit record so i can get a mortgage in a couple of…
-
Beware of Nationwide charges!
I used my Nationwide Visa card whilst on holiday, on my return I paid off the full amount before it was due for payment. However Nationwide still took the £5 min payment by direct debit, then they charged me £12 for repaying me the £5 they had taken out by mistake! I rang them and the first customer service person I spoke…
-
Credit card --- consumer credit act protection?
Any help on this appreciated: I put down 7,500 by credit card plus 2,500 in Cash in March 2006 with a construction company to secure an investment plot. We were promised a choice between a house (at discount of 20%) or the equivalent in money (25K) after a six-month construction period. In October 2006 when the money or…
-
Help with barclaycard
Hi hoping someone can help/advise me on the following. I had a 1&1 internet package and the money goes off my barclaycard. I cancelled my package in August to finish today/yesterday, everything went through fine, however today I have received an invoice. I rang them up and they say no record of cancellation. Now the…
-
How often are our credit files updated
Does anyone know how often our credit files are updated ? cheers
-
How to reduce the interest on our credit card
Any info towards helping us to sort out our situation would be really appreciated. Currently have a balance of around 7500 on an MBNA credit card. They are charging us 23.5 interest on it. Currently making minimum payments of around £100 per month This means we are only just paying off the interest each month and its…
-
Balance Transfer of £2800 - But I'm a student :S
Hi, I currently got a Lloyds TSB Gold card with a limit of £3000, my balance is around £2750 atm. I can only afford to pay between 50-100 per month and the intrest is hitting 45-50 a month so atm im going no where in the aspect of paying it off. I plan on doing a balance transfer with 0% for as long as possible but im…
-
Current account advice for bad credit or iva
Hi all ....i am sure there are many people out there that have problems getting a decent account when they have an iva like myself. What i have found out might help those who need an account to run there daily bills ect. The first one is the Think banking account which costs £12.50 A MONTH as its manages your money into 2…
-
Capital One "zero percent" rip-off
[FONT="]Hi - I'm new to this, so please bear with me.[/FONT] [FONT="] [/FONT] [FONT="]I got a Capital One zero percent credit card which was due to expire on 2nd June this year. I paid off the balance about 10 days before the expiry date of the offer. However, I was charged £16.20 interest even though my…
-
Credit card cheques
Please can someone advise me if the same protection that consumers have using credit cards also applies to using credit card cheques. Thanks
-
Confused with Capital One's 34.9% APR Credit Card
Help needed!!!! I’m confused. Ok bit of background for years and years I’ve been in debt to the point where I’ve not answered phone calls because of owing companies money, though I never got as far as having CCJ against me. But now I’ve re-mortgaged and I’ve released the equity in my home and I’ve paid off over £23,000 in…
-
Barclaycard - Is This Legal or Just Sharp Practice?
I was accepted for a Barclaycard whilst 'tarting', but was given a derisory credit limit, 65% of what I'd requested (950 against 1800), so I was already less than happy with them, but now I've received a leaflet 'Changes to interest charging'. The main change is the way they charge interest when you pay your balance in…
-
Credit Expert
Hi I signed up for the 30 day trial of credit expert. On their website i obtained my report twice during that 30 days. Now my question is.... Do these reports show as "searches" for the purposes of gaining credit? Thanks
-
Monument Card
Hi, Does anyone know where to apply for Monument card? Looking forward to reply. Regards.
-
Protection insurance being withdrawn
Received my new terms and conditions of use for my Visa card with Alliance & Leicester this morning. They say that due to low demand customer's purchase protection insurance is being withdrawn as of 10 November 2007. Is this general? Which cards still offer purchase protection insurance? Very important surely.
