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my partner is trying to rebuild his credit..
he inadvertently got a ccj which we are giong to court on to clear as we never ever got any paperwork saying that he was being taken to court on a car issue. i wonder if we should wait for this to go to court or try and rebuild his credit rating already with one of the options martin talks about in this week's email. any…
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Lowering CC Limits, help getting my credit back on track
Hi All, Wonder if you guys could give me some advice, quick background, i changed jobs toward the end of last year and i missed a few payments so i phoned my RBS Credit Card to make an arrangement for a few months as i had a start date for a job but not for another 3 months. obviously this has had some effect on my credit…
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"price protection" cards?
Does anyone know if any credit cards still have the benefit of price protection, where they refund the difference if the cost of a product goes down after buying it?
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Balance transfer Capital One - Amex
Has anyone had the trouble I have had trying to transfer balances from Amex to Capital One. Three times I have tried and CO now have sent me a letter stating the Amex cards are not rcognised by their system. I only went for the CO cards because it was 0% transfer fee. What a waste of time and energy:mad:
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Any Chance?
I'm slowly but surely chipping away at our CC debt. OH has a Virgin Mastercard that has a 7400 limit and is now clear. Do you think if I get him to call them and close the account they will try and keep him with a sweetener, or will the general downturn make them happy they've got another account off their hands? He's also…
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American Express and Equifax question
Hi, I have an Amex charge card (opened a couple of months ago). I received an alert from Equifax to say that a new account had been added so went on and saw that it was my Amex account. I noticed though, that instead of a 0 in the payment history there is a Q for query. I have called Amex about this and the guy I spoke to…
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Credit Card CCJ - can I still claim charges back?
;)Hi everyone I am paying £30.00 a month back on a credit card that has an amount of £11,000 on it. This is via the courts for which i have a CCJ against my name. I have been paying this for around 8 months now but i cant help thinking that i could do more to bring the balance down. The charges and interest that was being…
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BT from a standard credit card to a prepaid credit card
Is it possible to do a balance transfer from a standard credit card to a prepaid credit card . I have a standard card with a 0% offer but can't transfer to a bank account but thought if i got myself a prepaid credit card and transfered a positive balance on to this at 0% . If this is possible whats the best prepaid card to…
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Hot Tip Grand National
The main reason I am posting this is I work for a specialist sports analysis company and would like to share with you all, my companies advice for the Grand National just in case anyone would like a flutter. Slim Pickings 4:15 Aintree currently available around 11/1 I would like to warn people that horses fall and other…
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creditbuilder with a cashplus prepaid gold MasterCard
hi there, just saw the ad for this prepaid card http://www.what-prepaid-card.co.uk/cashplus-credit-builder/cashplus-creditbuilder-card.html which is supposed to help to improve the credit history for app. £5.00 a month. does anyone use this? can the loan of £50.00 really improve my credit history? because i really need to…
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HSBC being autocratic
I recently made a 'tart' balance transfer and having my mind somewhere else at the time gave my HSBC card details instead of my Halifax card details [divorce can do this to you!], this put my HSBC account into credit. No worries I thought as I will simply draw the balance out during my current extended trip to Thailand. I…
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Arrrgghh MBNA.....
Hi Just thought I'd let you know... Had a balance of £2400 on my MBNA which at minimum 3% a month, my payment was around £72.. Was given £1000 and decided to pay it towards to MBNA debt and reduce my monthly min to around £42 for 6 months on the remaining balance of £1400 (am/was gonna continue to pay the original £72 to…
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Credit Scoring
I've been in a long battle with Experian trying to correct data and have data removed. My credit score is still only showing as FAIR. There are some late payment markers relating to an old and satisfied mortgage account but that is all. The problem is that I want to apply for a new credit card but am worried about being…
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is this a good card
hi i have never had a credit card before i would like advice as im really am not sure how these things work i have had an application letter through the post from tesco credit card i have found the relevant card on the net link below http://www.tescofinance.com/personal/finance/finance/creditcards/clubcc/index.jsp what do…
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Unauthorised Debit from my account - Please Help!!!
:mad: I have just gone into my current account and found it nearly £300 light, I checked my online statement and found a debit for £289.87 of which I had no knowledge!! I rang them to find out what it was and was told although they had not done it they could see it had been made via Barclaycard collections?? And as per…
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HELP!! Nationwide foreign transaction (charged twice!!!)
in desperate need of some help here. If anyone can advise us where to go with this, we would really appreciate. In Dec the account holder used his Debit Visa card from Nationwide in Korea to make a cash withdrawal (since foreign withdrawals do not attract a fee with Nationwide). The first such withdrawal however was…
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how can i research which credit cards i have had in the last 6 years
Over numerous years I have been transfering significantly large debt balances from card offer to card offer, whilst juggling this debt that I couldn't afford I often missed or sent late payments. I would now like to take Martins advice and try to claim back some of these charges but cannot remember some of the card…
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Can I claim back the charge?
Hey everyone, I recently purchased some dollars from TravelEx online using my credit card. I was (not) surprised to see a charge from the Halifax for Cash Advance. However, I believe that I have not had a cash advance direct from the Halifax. If I have gone into a branch and ordered dollars or used an ATM, I could…
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Please Help - Urgently Need Advice!
Hi - I have hit a brick wall and desperately need some advice. Hope not to be too long winded but will be as brief as i can be concerning my dilemma. Problem 1 - In 2006 I applied online for a Barclaycard. Form came through the post asking for original docs to be sent to them to prove my identity etc. All seemed good and I…
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CC in credit?
I have a HSBC credit card account (no credit card, I was asked to return it in 2001). The account has had a £28.99 credit on it since September 2003. Up until December 2004 the statements used to come and stated that my credit limit was £0. Since then the credit limit has been showing as £1000, as it was before they asked…
