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Is A Payment Break Plan A Ppi?
Hi Guys Just Watched Martins Show On About Reclaiming Ppi`s And How People Are Wrongfully Sold This Insurance. I Was Hoping You Could Tell If My Payment Break Plan With My Once Was Monument Card But Now Barclays Card Still The Same, And If I Was Intitled To A Claim.
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Mint
Hi guys, was just browsing the site and thought i would ask a question I have a mint credit card, which is up to its limit of£500 minimum payment is about £11. is there any way i can improve on this? I no its not alot minimum payment but alot of it is interest and i can onnly afford the min. Many thanks
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Paying Credit Card Balance by Switch
I have just spoken with MBNA about paying my VISA bill via switch. Previously, if a payment was made by 5.00 pm it was credited the next working day. They say that this changed in January 2008 due to "circumstances beyond our control" and categorically refuse to refund any charges incurred as a result. What changes have…
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v concerned about Virgin/mbna cards
Hi all I have been reading the threads on here relating to MBNA and Virgin upping interest rates on their cards to huge percentages and I am getting rather worried. I have just transferred my MBNA balance to a halifax cc on a 5.95% for life deal, I am now £70.00 in Credit on the MBNA card - so they owe me money!! However i…
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New Virgin 6.7% test card
I recently applied for a new virgin card with an advertised 15 month interest free balance transfer window. I received my card and activated it and was told that the card i received was a new 6.9% APR card that MBNA were testing. Basically its 6.7% for the life of the card on purchases and balance transfers with no balance…
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mbna
son through illness, changed jobs etc now living abroad and not earning enough has written to mbna asking for a freeze of interest rates and a payment scheme. They have refused saying before consider would have to be in arrears. i have kept paying it up till now but cant anymore. We have written again asking for a…
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Credit Card Debt
Hi, Not sure where to start or in which direction :confused: :rolleyes: I have a credit card debt of about £11,000. I have been with the Company for 25 years. Things have spiralled a bit to say the least. I have checked some of the 0% card offers but still the minimum payment is going to be a toughie :o Just noticed that…
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Cash Advance on CC, then Transfer?
Hi all, I was ready to make a purchase on my CC for about £3k, then have decided to wait a few months. My plan was to make the purchase for the item I wanted, do a balance transfer for a 0% CC and save me some pennies. Becuase I am waiting, I want to get the CC sorted asap, is this possible? 1. Signup and get new CC (with…
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Less than £70 on credit card - beware
Read this in the paper: Some credit card customers who only have 1p on card could be charged a huge rate of interest on their balance. Citibank will raise the minimum interest charge on its cards from 50p to £1 next month. So if you have almost paid of your card and mistakenly leave 1p owing this will be topped up to £1 -…
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Signed Credit Agreement sent to wrong address
As you can see from the title of this thread, a copy of my credit agreement has been sent to an address that i have never lived at. Rather worried about this ! I requested the agreement from Debenhams regarding a storecard that i had with them. I waited 4 weeks and it didn't arrive.Contacted them several times, found the…
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Foreign transaction fees
Hi Looking to change my Credit Card at present. I pay off the card in full each month and use it mainly for the purchase of diesel, cause I live close to the border of Rep Ireland and go over to fill up (works out about 20p litre saving). usually put on between £300 and £400 a month between mine and the wifes car. They…
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Long 0% on purchases cards
Hi, I want to apply for long 0% on purchases card. I see that Halifax and CapitalOne have best deals at the moment (10 and 12 months). I have decent credit history. Anyone has any experience with these providers? Is it very difficult to get one of these? Anyone knows their criteria for these deals from the real life…
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Re: Interesting New Pre-Paid Card Full Visa Debit Card
Hi I got a Google alert about this today, it is a Visa Debit pre-paid card incorporating formal proof of age. It is Visa Debt (not Visa Electron), although it is not an embossed card by the looks of things (we are moving to the 100% authorisation society), and is Chip and PIN enabled. The card offers additional proof of…
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Egg money overdraft charge - Am i in the wrong?
ok, so basically i was £475 overdrawn on my egg money account (my credit limit is £500). I regularly log in to check my balance and also register to text updates on my balance which i recieve every monday. Last monday Egg text me saying i was £475 overdrawn confirming what i knew. Believing i had £25 remaining i made an £8…
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Do Not Use Virgin Credit Card
Do not be fooled by all these money saving companys recomending VIRGIN CREDIT CARD!!! I have today received a letter saying they have increased my APR to 29.9% from 15.9% and after researching online this seems to be a general thing virgin and MBNA do. I actually thought virgin / mbna was a good company but since this i am…
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Best way of paying this lot off
Hi, I hope this is the right place for this question - Debt Free Wannabe might be just as good. Would someone with a head for figures have a quick look at this and tell me the best way of paying this lot off. I have a new 0% card but only have until May 12th to do a balance transfer onto it. The other 0%'s are expiring…
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Credit Crunch might be a good thing?
With lots of banks running scared and "credit card" companies doing the same wont this have a positive effect on people who are already in lots of cc debt and who keep opening other cards and spending they will no longer be able to do this and finally wake up to the fact to have the latest TV ,games consol,mobile phone IS…
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how long for debt collectors to arrive?
Hi, How long does it take before a debt collector comes knocking on your door after defaulting on a credit card? Finding it hard to sort my problem out because not a uk citizen and live in rep. of IRL but owe 6000 on CC. spoke with MBNA (A&L card)....they will do nothing until i default which will be this month....my min.…
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can i pay off a loan on a credit card?
Hi, i have around 1600 left to pay on a personal loan, with interest its around 2000, can i get a credit card to pay off this loan and take advantage of free BT etc to save on the ineterst of loan?? iv never had a credit card before so any advice would be appreciated or should i jsut bite the bullett and keep paying loan??…
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Barclaycard
Has anyone else been fortunate enough to get the Barclaycard we are reducing your credit limit letter today?? It arrived this morning, cutting out limit by 2/3. Fortunately we paid it off a while ago and were keeping it as our emergency fund while we are using every spare penny to go towards the debts so it is not too much…
