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Interest free on purchases - not happening
Hi all I have just registered on here since I am so mad about my experience with my credit card statement. Not sure if I am allowed to name and shame - I recently got a balance transfer card only for 6 months, the debt is fairly large but I can clear it at the end of this month. It was home improvements so it does belong…
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Claiming refund from Credit Card
Can I just ask how I should go about this. I bought a laptop from Dabs.com in on 30/06/06 ( at a cost of £599.97) in Jan 07 the hard drive failed and was replaced under warranty. In Feb this year the same problem occurred only as it was out of 1 yr warranty they wouldn't help. I am led to believe I can claim under the…
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Advice needed please
I hope that this is the right forum or thread to put this in, I am new to such things, so please forgive me if I have the wrong place. My husband and I have two credit cards, a bank loan for a car needed for the 30 mile trip to work for my husband, and various other financial responsibilities such as utilities, rent and…
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Credit Card Blues -
I've decided to post this message here, but it also appears in the "Loans Section of this Forum" In 2001 I secured a loan from an bank. Although the amount was for £5000, this included the consolidation of an existing loan of £1500 (plus interest payable over the full term of that loan) and a retail credit account (plus…
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CCA Request - Amex
I sent a cca request to American Express several months ago for an old debt that goes back many years (over the 6 years ruling). My basis is that if they are chasing then they have my details. I have not received a thing from them at all. in the past their solicitor has been pushing for collection and I have not heard from…
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Credit Card Fraud -- Questions
Does anyone have any inside knowledge of the process for dealing with fraudulent transactions ? My card was recently robbed, by means of three 'customer not present' transactions with major retail and hotel chains. The cc issuer was very quick to cancel the card and credit back the amounts. But I wonder what happens then.…
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Lloyds TSB
Hi all, My Wife has a TSB Master Card on which she has a spending limit of £7800. She very rarely uses the card. Last year she had not used the card but was charged £35 for the priviledge of having such a card. She was advised by a "Friend" that if she made one transaction then she would not be charged the £35 fee. With…
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Please help me save my sanity!
Hi Everyone, I am firmly back on the DFW wagon. Now I want to really start hitting the cards big time (paying them off I mean) and I redid my budget and bullied Virgin into a better package deal so I have about £500 a month to throw at them. Thing is, I feel exceptionally fed up and bored. I feel life is passing me by. I…
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talk about fickle!
I applied for a virgin CC only last week and got accepted for a £2000 limit but I needed it higher so looked elsewhere. Realised that was going to be my best offer so re-applied and got refused, only four days later!! Nothing had changed so y did they refuse?? So checked two other CC lenders and I'm now refused from them…
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Reclaiming Store Card Charges
I am trying to reclaim some charges for a relative. Her Next statements show "Service Charge". In the Account Information on the back of the statements it says that - if full payment of the current balance has not been received by the due date shown an interest charge calculated every month at a maximum 2.014% ..... will…
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is cap 1 still 4% cashback on the first 3 months?
Anyone know if that's the current cashback offer? looking to sign up for a cashback card and was wondering if that offer is still valid?
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Interesting Fraud protection trigger
I have a Halifax Visa card and got a call from their automated system this morning to get me to confirm some recent transactions. I have had this call occasionally in the past. Their fraud protection scheme is sometimes triggered to make further enquiries, it seems to work quite well. In this case the system picked up that…
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cash advance fee - but havent had any cash ?????
So at the weekend my partner wanted one of the virgin prepaid cards, to use for bits and bobs, So she went to the virgin website which i think is operated by 360 money, and there is a 9.95 setup fee, I did not load any money for her purely the 9.95 setup fee, Capital one have now stumped me with a 3.00 ! cash advance fee,…
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barclaycard have decreased my card limit
after paying off my cc with barclaycard ive got a letter saying they have decreased my credit limit to 260 from ...1000. can they do this, it seems a bit unfair like im being punnished for paying off the debt. wen i called they said that after reviewing and doing checks with the cra, that was the reason. i keep a regular…
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Electoral List and My Credit Score?
I have not been on the Electoral list for about 2 years and I am wondering how much this is effecting my credit score and likelyhood of gaining credit and how long will it take from me going to my local council offices and registering on the electoral list to this being reflected in my credit files? I have recently went…
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Can I stop the payment?
Hi all I've recently become debt-free and finally had the courage to really look at all my credit card statements - and I've had a regular payment for £14.95 a month going to "high street max" - I have no idea when or if I signed up for this - and I want to stop the payment. High Street Max will not answer my requests for…
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What does 'Discovered a problem with your application' mean.?
I hope someone can shed some light on this. I've just applied for a Citibank Platinum LOB card online and their online decision was"We've discovered a problem with your application" and was given a reference to call them with to discuss it.. What does this actually mean?If it usually means I'll be declined I wont bother…
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best way to pay off credit card and o/draft?
Hi, my husband and i have £5600 overdraft which we use each month (lloyds tsb high interest rate) on our joint account. £800 o/draft on my current account and £4800 on lloyds tsb credit card in my name. we are making minimum repayments only and want to start clearing our debt. I now stay at home with our young children and…
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barclaycard paying off barclayloan
Having sucessfully negotiated a decrease on my current APR on barclaycard to 9.9%. My plan now is to pay off a £14000 barclayloan taken out in May 2004 at a rate of 13.9%. over 7 years, with my barclaycard. Im planing on sending my Egg card a positive balance using the barclaycard (2.5% transfer fee) at (6.9% till paid…
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Refund from Euro transaction
I bought something from a website in Germany last week. They were unable to supply as they ran out of stock so have refunded the order. My credit card company (Cahoot) have processed the refund using a different exchange rate so I've lost about £4 (on a £68 transaction) in the process. Are they allowed to do this?
