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Negotiation with lenders
I have roughly 16000 worth of debt spread across a loan, 2 credit cards and 2 mail order companies. I have been given the opportunity to borrow 15000 through my husband at much lower payments, is it possible to negotiate with my lenders to write off the debts if they will accept a lower amount? With the exception of one…
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Natwest balance transfer f##k up - whats my legal position?
I have a 2000 pound crdit card debt which i transfer ever year in order to avoid paying interest. In september i transferred from virgin to natwest, and then left the country and have not been back since. When the card arrived i contacted natwest and set up a standing order to make the minimum monthly payments. So i was…
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still humming and haaaing over whether to use my new duo lloydstsb cards
has anyone got these and not used them yet?? i cant bring myself to use them yet,, i already have a nationwide CC and used to have a visa but now it is a mastercard.( got loads of points but never traded them cos rubbish) the lady behind the desk in lloydstsb said how fabulous these new duo cards were and so i said i would…
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card scamed
Hi. Unsure where to put this but panicking so starting here. I am with asda as the master card holder. My OH ( a named card holder ) was refused in sainsburys earlier with her credit card. So I phoned up asda and asked why? They could see anything so took the block back off. Then I had a chance to view my online…
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Best Airmiles Credit Cards
Hi, I'd be grateful for advice about which is the best card to get that gives Airmiles (or an equivalent) as a reward. Some stuff that might be relevant: - I'd be using them for flights to and from the US. (So I assume that things like the Easyjet card might not be any use to me - don't know if that's true or not) - I'd…
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Looking for advice on credit cards
Was just looking for some advice and info on what would be best for me. Im going to florida in a couple months. I have money saved up, but not enough, and would like to take a credit card with me so i could spend what i need to on holiday then pay it back over the next few months. Do you think a credit card or a loan is…
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Halifax Credit Card Problems pls help
Hi I wonder if anyone can help me. A few years ago I had a credit card with Halifax, as well as a current account with them. I had an outstanding balance of around £500 that I couldnt afford to pay back and stupidly just ignored the debt. I have since moved, and noticed that the Halifax account was still open so I popped…
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How much interest am I owed
I paid some bills for a friend 13 months ago. The cost was £1,240.35 however I have no idea what interest they owe. I can't find an online calculator that tells you that ie based on daily interest rather monthly. Anybody able to work this out for me as I haven't a clue. The interest rate on the card is a hefty 24.9% Thanks
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Which card would be best for us?
Hi We are thinking of changing credit cards, at the moment we have Goldfish, but not happy about the change to Barclays. We always pay balance in full and tend to use mainly for shopping and petrol (both usually at Tesco) plus any other purchases. We want a card that we can use abroad (we are going to Korea) and don't want…
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2 cards
i have applyed for the Ulster Bank Credit card they only gave me 3k limit a few days ago what would happen if i applyed again would they give me another card with the 0% for 6 months to cheers james
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capital one approved different card!
Hi, I've just applied for the capital one 0% cc til may 2009. They have said I can't have this one but offered a 0% til 1st Feb 2009. Anyone know why this has happened? I looked at the statements about the best card and as far as I know I met all the guidelines. I have never missed a payment and assume I have a pretty good…
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Balance Transfer or loan and transfer
Hi folks First post on this forum after much deliberating and partially denial of any problems that I am in debt! I have two credit cards one with Virgin (MBNA) currently with a balance of around £9k and one with Halifax currently with a balance of £8k. Both are at the brink of their limit. I want to pay off one of the…
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I want to keep my CC limits
basically I have been on benefits for the past 7 years and despite that having 2 credit card debts which I defaulted on and have been handled by a debt collecting agency (i.e. the debts sold on). The various banks I have bank accounts with have given me credit cards and they have kept on raising my limits, they now stand…
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A & L interest hike on credit card
Just received an update from the Alliance & Leicester re the new interest charges on their credit cards. Blimey! 19.9% APR. Shows how far staying with one company for many years benefits one! Taken Martin's advice and applied for the Capital One card and got accepted. Took approx 5 mins. How's that for saving money in the…
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New to credit cards 1 question...
Hi all I have never had a credit card before and I only want one now as a 'just in case' so I can pay bills etc if I really really need to and don't have the cash. HSBC has pre approved me for a credit card and I can earn £25 from cashback kings. The only thing is I most likely will not use the credit card, I hardly ever…
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Can i cancel online abbey cc application done this morning?
Hello everyone I wondered if anyone knows if its possible to cancel an online application made his morning? My reason for doing so is because I've since been reading that you don't hear for a while whether online applications are successful, so thought I might go into the branch instead where i've read that you hear…
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Adams credit card!!!!!
Hi MIL was burgeled last week (another story) however she knew (well thought) that she had an adams store card, so did not panic so much about reporting that stoled. However gets a phone call to say that £2000 has been spent on it and it turns out that it was an Adams Mastercard. Does anyone know if we can claim this money…
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Of the credit cards administered by MBNA - which is the best to keep?
Hi all I have 5 credit cards administered by MBNA - they all have nil balances and I don't use them :* Alliance & Leicester * PADI * Sony Card * Virgin * MBNA Standard Based on previous experience with MBNA, I'm going to try and amalgamate my combined credit limit to one of the five MBNA cards which I'd like to keep for…
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Advice on virgin cc
I have a virgin credit card with an outstanding balance of £6000 and a halifax cc with limit of £3350 with nothing on it. I am coming to the end of my interest free period and it will cripple me to go up to 15.9% interest. The halifax have offered me a lifetime balance of 6.9% if I transfer to them but only 3350 of the…
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Old credit card advice,
OK hopefully someone can help me out here, i used to have a Barclay card about 10 years ago. I was having trouble paying it of so agreed to pay so much a month. Now not long after this i stopped paying as i went away. I totally forgot about this until today when Goldfish CC have just sent me a letter telling me Barclay…
