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Egg filing an 'arrangement to pay' against me
Hi guys I am just after some advice. Today I checked my credit report on Check My File (I sign up for it on a quarterly basis) and noticed that my Equifax score has decreased from 829 to 554 (4 stars to 1 star). I was extremely shocked by this and looked into it. For 2 months, Egg have filed an 'arrangement to pay' against…
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Vanquis Application.
Hi Everyone, I really need some help as Vanquis are starting to drive me mad !, I made an online application on 6th June, got the phone call from them telling me I had been accepted with a £250 limit on the 13th June and also told my card would be with me in 14 days (Also told about the 39p per £100 insurance on the card…
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What do you think of this?
Dh - Amazon card is 6.95 for lob First Direct Gold Card is 4.95 for 5 years (and will be paid off before then) Skycard - offer 6.95 lob (2k available) Virgin - 0% til Feb 09 (600 balance, will be paid off by then) Mint - 0% til November (900 balance, will be 50% by then) Dh - MBNA - 17.9% (1900 balance) Plat Barcalycard…
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Information required - advert I saw
Heard a radio advert that said ... did you sign your credit card before aprill 2007 you could have the balance wiped etc etc . Has anyone heard this ? if so what is the situation ? cheers
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Pre pay credit card advice please!
Hi, I am seriously considering getting myself a pre pay credit card. Basically an empty card that i have to load onto. I was wondering which are the best value and the safest to have as there are so m any out there. Thankyou!
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Ulster Credit Card
Hi all, Im after a new 0% card to BT to, not too keen on paying fees so applied for the Abbey Zero, anyway long story short i need another one, i see that Ulster is recommended as six months no fee, on their website it shows there is a student version of their card that is nine months, no mention of fees. Does anyone have…
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Vodafone Mobile (Monthly Contract)
Which Credit Agencies do they report to each month, if any? :confused:
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Transfer of overdrought
Hi all, can anyone advise if it is possible to transfer a bank agreed overdrought onto a credit card at a much better rate? I remember doing this for a short period a few years ago, and wondered if it was still possible?:confused:
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Egg reinstate direct debit!
Hi everyone! This is my first post :j I've been a lurker for a long time and a regular visit to the site ... it's been a lifeline! At the beginning of the year, I set up a debt management plan with the CCCS. As part of that, I obviously cancelled all my direct debits to my creditors. Egg is one of my creditors. At the…
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Credit Card Company took cash from my bank acc't to cover missed payment!?! Can they
I'm to posting so bear with me. Have got a Lloyds TSB Credit Card and Lloyds TSB Current acct and Savings acct. Could not send in full payment this month so sent a "good will gesture". Today have received a letter saying this month's payment was not received plus also discovered today that they have "helped themselves to…
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cash cheques
I want to transfer a card balence but isnt it easier to phone the company up and ask for a interest free cheque like they send out in thier junk? Also I only have a smal amount to transfer at the mo.(£200), should I get all my spending out of the way first then transfer it all or can I add to a new card once ive transfered…
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Why am I being charged interest?
(Or in other words, could someone please explain to me what 'interest free period' means in practice?) Here are my CC balances for the last few months (rounded up to nearest pound for simplicity) - March = 0.01, no interest charges - April = £11, no interest charges (Payment made before due date: 11) - May = £351, no…
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Store Card Balance Transfers and Regular Usage Credit Card
Hi, I currently have two store cards that are interest free until October this year (£700), but I will be more financially secure in a couple of months time so I would like to transfer the balances of these two stores cards onto my first credit card. I will also be using the card for small purchases (around £80 pm). What I…
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defaulted credit card please help!
my husband had a rbs credit card. he had £1800 on the card and was rang by the bank and they said he had missed payments and could he pay of the whole ammount . he said no so they said if he paid £1200 of the debt they would forget about the £600 interest then they would settle the card. Being silly my husband agreed and…
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Attributable data
I saw in my Equifax file that some data has been entered as Attributable data.This is because my first name was different on some credit cards.Can Attributable data be seen by the lenders.Specially when they will be decided instantly.I am asking this because my credit rating is showing excellent as couple of searches are…
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So scared
Hi Could any of you help me please with a mess I am in. I had an accident in January of this year and it left me unable to work for a while - things got on top of me and as a result I have missed up to 4 months payments on my credit cards. A couple of them have now issued me Notice of default. They have given me 16 days to…
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What Lenders can see in our main curreent Account
Do the lenders have excess to the details of our main current account which we provide them during application proces.Details means ,can they see total balance,average yearly or monthly balance, monthly incoming and outgoings and all other transactions in the account alongwith standing orders and direct debit. can they…
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Credit Card Refunds By Cheque
:mad: GRRRRRR! Ah I feel better now thats out of my system. Why when you close a credit card account do they still take the final months direct debit in my case the minimum payment they could take was £5 even though I'd settled the account a good 3 weeks before this and therefore my balance was zero????? Its a real pain…
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default notice
According to cap one I have defaulted and they have put a default notice on my credit history. Now... I have served notices for various other parts of the law... but from Cap one I haven't received any form of papers to confirm this... Now I couldn;t expect anyone to conform to a notice without receiving it and a telephone…
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Just been rejected for a Virgin C.C.
Have been a regular "credit card tart" - for about the last 2 years. We also took out a loan for some home improvements (October '07), but have moved at least one card since whose 0% deal had expired to another. Is the first rejection I've had - have not applied for another other than the last change (have 3 on the go!) -…
