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'Backdate' the Electoral Role?
Hi, I have been living at my present address since 2004 but have never registered to be on the Electoral Role. At my previous address I never registered either, but did apply for my Experian credit report whilst living there, and so it shows this address on my Experian file I assume. My question is, when I go to register…
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Chances of getting a 0% purchase credit card?
Hi guys, So I need to spend £1,200 on car insurance and am looking to follow the advice to get a 0% on purchases credit card to avoid being hit for the interest if paying in instalments. My question is, am I realistically going to be granted such a card (with a £1,200+ limit) in my current circumstances? I wouldn't want to…
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ID - Thumbprints or DNA
On another post of mine I was intrerested in Credit Checking and another poster mentioned providing thumbprints - well would a DNA print be better - all you would need to do would be to lick a piece of paper - better still just outline a part of your letter and write in the box DNA HERE and lick it. Any comments? Cheers fj
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Which is the easiest credit card to get?
I'm having trouble getting a credit card as I have no creidit history except my failure to pay a BT bill around a year ago for £300. Also I am not on the electoral role. My income is just from the Student Loans Company as I am currently studying at Uni, but was also refused a O/Draft by Natwest when I applied. I really…
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Looking for balance transfer
Hi I am looking for balance transfer of my £940 from barclays.( £1000). Last week i applied for the MBNA card and been told that after looking my profile they can see that barclays amount is close to its limit so they cant offer me card at this time. Last month i did apply for asda card and was accepted instantly for £500…
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Paypal CC online account
I am looking at applying for the Paypal credit card. I saw in another thread that the Paypal online account is one of the worst. What exactly is the problem with it?
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How much of the credit limit should you spend to get a higher credit limit increase?
I just opened a Capital One Basic credit card to help build my credit. They gave me a £500 limit and after 3 months, they will increase my limit if I pay on time. My question is: How much of that credit should I be spending in these 3 months in order for them to increase my limit most? For example, if I spend around £450…
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Is there a way of getting interest reduced..?
I had 5 CCs, now have 4 (paid Barclaycard off as my first snowball) All remaining are at 29.9% apr MBNA plat: £1400 Virgin (MBNA): £1800 Citicard: £3200 Cap 1: £1600 I am currently paying off Virgin at a rate of £400 a month (more if I have it) and paying £10~20 a month above minimum on all the others (I know it's not…
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privacyguard
Hi, I have already enrolled onto trial service for Experian, Equifax and Callcredit. I cannot get any more free trial from them. I have seen the following website:- http://www.privacyguard.co.uk/ It provides 30 days trial for £1.00. Has anyone access there service? Are they any good for trial? Thanks M
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A Quick Virgin Credit card Question?
Hi I have a Virgin CC with a limit of £1500 and at the time it came with 13 months interest free on Bank Transfers. I did a bank transfer when i first got the card for about £1200 leaving £300 of available credit. Only the minimum amount is being taken off at the moment £5 per month as i have some money comming soon to pay…
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self employed
hi all Please could anyone give me advice, my husband would like to transfer his balance (£1800) to a new card company,the problem is that he has been self employed for the last 6 months,previously employed with no breaks,will being self employed be a big problem?does he need to have been self employed longer? is there any…
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Barclay card transaction dispute
Hi I have had £873.53 taken from my Barclays card from a company called Millenium Limo who is based at 12555 Orange Drive Suite# 110 Davie, Florida 33330 USA. I went to Miami with my partner for our Birthdays from 20th September until 4th October. I booked a Limousine for my partner’s birthday and for a day trip into…
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Final payment on BT
Can someone advise on the procedure for paying the final payment on a CC with a BT. To avoid the problems some people have with DD's continuing after this period or cancelling too soon and incurring charges. I have decided to go the Standing Order route. Assume I have only used the CC for a BT and that was for £5,000 with…
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Capital One Cashback card - setting up direct debit?
Hello Have just applied and been accepted for the Capital One cashback card (the 4% cb for 3 months then 1% cb card). So far I applied online and got the credit agreement in the post to sign & send back - but have yet seen any reference to setting up direct debit to pay the card. Haven't yet received the card or PIN. I…
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Late posting by retailer - affects max 56-day interest free period?
Hi guys, Was pondering about this. My usual statement for my LTSB Airmiels Duo credit card is around the 20th each month. I made a shopping at Tesco on 16 Nov, but it only get posted to my account on 21 Nov, after my statement has been issued. So looking at it, I will only be paying for that shopping around 15 Jan 2008. As…
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List of groups?
Is there anywhere I can look up which Banks belong to which Groups? ie who is in the HSBC Group? It would be handy if there was a place on this site Martin! Thanks in advance.
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Fraudulent and disputed transactions - how long to refund?
I spotted a dodgy transaction on my Tesco card (to Betamax Voip) on 1st November and reported it straight away. They cancelled my card and have issued a new one. I've phoned their fraud department twice since then to find out what's happening, and just get told it's being investigated. Apparently I can't speak to the…
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Credit Search by Utility Companies....any bad effect ?
1st of all, I am not sure in which section i should put this thread. As, it it related to Credit Report, i put here. sorry, if i did wrong. Actually My question about credit report search by utility companies. I m here in uk for last 3 years. and from the very begining i am paying all my utility bills which are on my name.…
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credit card protection
Hi.......I know it was stupid but we bought into a holiday company whilst in the Canaries. We paid two instalments by credit card. I now know the company to be 'bogus'...does anyone know how/if I can make a claim against the credit card company and what are the chances of getting anything back???? :confused:
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Credit Limit
Hi all. I applied to HSBC onlline and was accepted for their credit card. When the 'stuff' came through in the post today it shows a Total Charge for Credit of £327.67. Now I think I know what it means, but can anyone tell me what my likely credit limit will be ? Thanks. :T
