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Massive CC debt / Cunning plan / Prison?
Hi Everyone. I am a new user to this particular forum and was hoping that someone (anyone?!?) might be able to offer me some advise (be warned, this is a bit of a long one!) Myself and my Girlfriend have been together for about 5 years (non home owners). In that time we have (somehow) managed to rack up an enormous amount…
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balance transfers + purchases at different rates
I transferred a large balance onto my MBNA card at 0% with a 3% fee. As i use the card for everything and pay it off in full each month i specifically checked if purchases were paid off first each month - i was assured they were and that anything i paid above this would be knocked off the balance transfer. This has not…
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Cancelling Credit Cards
I'm looking to cancel my Barclaycard and Capital One cards as they have no balance and I never use them anymore. The websites say to phone them and they'll sort it out but I just know I'll get spiel after spiel asking why I want to cancel and offers/incentives to stay and I really can't be bothered with it all. Is it…
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Egg Nightmare!!!!!!!!!!!!!
I am one of 100 000 EGG customers who had their card account facility closed without justification or explanation. I had a small balance which has now been cleared . I am now trying to cut all ties with this company and I being presented with hurdle after hurdle. In order to close the account I must pay 2 pounds this is…
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Egg and capital one.
Hello, I am after a cashback card, its between egg and capital one both giving 1% cashback. Which companys give the best in usabillity and service, etc. Thanks.
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First Direct Interest Charge
WARNING-My Partner and I have 3 credit cards with 1st Direct. Each account is settled in full by direct debit on the due date. We noticed we the joint card acquiring 2p and 3p interest charges. We called 1st Direct and they said it was a system problem when money was credited back as a refund. They would put the money back…
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0% interest and the credit crunch
I have just had an offer through the door for 0% interest until July 09 My current card 0% ends in Jan 09 With the credit crunch and wot not are these 0% offers going to disappear its just i dont want to have to pay the 2% handling charge what do you think? :money:
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Got a Cheque from bank
Hello I got an check from Lloyd's tsb bank account name ( Mr XY) today in my post of £1500 on my name by someone written by hand . I do not know who is this person and why did he send me this cheque on my address. If i make a deposit in my bank what would be the worth scenario in that case ? Should i make a deposit or not.…
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credited by mistake. Advice please
Good afternoon, I have a little problem in that this morning I woke up to find £1000 had been credited to my barclaycard by mistake. I quickly put off the rather nice idea of a spending spree to celebrate and investigated further. Indeed the money has been credited by mistake and the bookie would naturally like me to…
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Credit card cheque clearance
Can anybody tell me if credit card cheques clear immediately ? eg my provider (cap one) says that these can be mad payable to myself when I need some cash...does this mean that, if I pay a credit card cheque into my bank, the cash will be available immediately ?.....or would I have to wait until the cheque cleared ? I know…
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What do I do now?
I saw Martin a few weeks ago on his channel 5 show. I have a credit card balance of approx £5k with M&s, currently paying 18.9% interest. I had already applied for an interest free rate card to use for purchases. When it was approved, the credit limit was really low, like £2.3k. I saw on this site the new Abbey Zero card…
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What rights do I have if my card has been debited, but the retailer fails to dispatch
Help please! I made an online purchase of a barbeque from the Dobbies sale. I had an email saying that the order would take 2 or 3 weeks to arrive, but got another one saying it was now out of stock. The item is a Webber so a worldwide brand and easily obtainable; however, the truth of the matter is they are no longer…
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credit cards abroad
Hi all, i need some help. i'm emigrating to Oz soon but going travelling first. i want to be able to draw on cash when i'm away. i have cash in the bank and i was going to transfer some into one of my credit cards so i can draw on it when i'm away. i know i will be charged for using my credit card, but will i still be…
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help please-keep getting refused ccs!
Hi. I was just wondering if any can help me with any advice on what to do in my situation. I'm 22 on a decent salary of £24,500. I'm hoping to buy a house next year and someone said geting some credit cards and paying them off in full each month will increase my chances of getting a mortgage. I've never had any credit…
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credit card overseas
Hi, all. I'm off travelling soon for a couple of months before emigating to Australia. I am not working at the moment as have resigned before starting my new job in Oz. So obtaining a new British credit card may be difficult. I have two credit cards, one is an Egg card, the other is an Amazon Halifax card. I wanted to know…
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Best Credit Card Limit???
Hello, I am currently looking for a new credit card for my mother, who is in debt and paying high interest rate's on her current cards. Does anyone know what card's gives you the biggest limit? I have just applied for MBNA and they gave her a 5000 limit. I have a barclay card for her in my name but the credit limit is only…
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Im in Debt what should i do
Hi Im new here been reading martins tips and decided it time to sort my finances out. We have a large mortgage which i increased last year by £17k to clear debts unfortuntely i have managed to accue £7500 on a HSBC card i have had for 2 years now. I have got myself in debt due to spending the money on my business venture…
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New credit card for pensioner abroad
Hello posting for my mum, she's off to visit my brother, sister in law and new grandbaby in Oz in November for 3 months, now the problem is she's 61 retired a year and only has 1 credit card with £500 limit which she does pay off each month, except for last month left £15 on (doesn't know why!) then payied for a holiday…
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Credit card abroad
What is the best credit card I can use in Mexico? By this I mean, what has the best foreign rates etc? Basically, Mexico is quite a confusing place to go regarding currency. They accept Dollars and Pesos, but apparently, exchange rates for travellers cheques & sterling is quite poor out there. And using Dollars means you…
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A quick question - Balance Transfers
Hi there, Just wondering if I was to sign up for a 0% balance transfer c/card - I've got Virgin in mind, can you transfer some1 elses balance to that card? It would be my OH's balance - due to his credit rating he cannot have one but I can. So can you do that or does the debt that you are transfering have to be in the same…
