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Legally Write Off And Completely Cancel Unsecured Loans And Credit Cards!
There is a way you can legally and ethically write off all unsecured loans, credit cards and overdrafts. This is also possible to do without permanantly blackmarking your credit rating! This is the most exciting thing I've found available for money saving yet and you don't have to suffer the credit crunch scam! Go and look…
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Halifax Cc - Lower Minimum Payment From 1 October 08
Has anyone else received revised T&Cs from Halifax stating that from 1 October minimum payments will be 1% of outstanding balance (there are some other min payments but don't have the paperwork with me). It states that this change is due to new legislation - does this mean that all credit card minimum payments will be…
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Card interest of £8 on £1 outstanding ?
I have searched this massive forum and cannot find an answer to this, so my apologies if I have missed it. I have just received a statement showing that I have been charged interest even on the sum I have paid off. I'll explain: Last month my statement showed £791. I paid £780 to arrive well before the due date. That left…
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Morgan Stanley Cut Credit Limit - Perfect Credit History :(
I m really fustrated - My credit limit was 5K six months ago and I voluntarily asked for this to be reduced to 2K (as I was never going to spend more then 2K a month) - Its now been cut to £500!!! I always pay my card off in full and have been with this company for 3 years. I earn 50K a year and save a lot of this. I…
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Disputes Department - Reclaim (trying to!)
Hi I would really appreciate anyones help! I booked a flight with zoom airlines, who just announced yesterday that they have started administration proceedings!! The flight was for my girlfriend to come over from Toronto for 2 weeks at the end of september & it was all & everything that the both of us have been looking…
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virgin CC
wow, I just had a very enlightening conversation with a Virgin CC rep. Phoned to complain of the interest hike they propose to take my rate to 27.9%. Told him I was displeased as they are offering new ustomers 15.7%. He said , ah the reason for this is with no credit history of a new customer we feel 15.7 % is appropriate.…
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Use Visa Electron option instead of Visa Debit to avoid extra charges online
Just a quick tip to avoid extra charges when using debit cards online. I booked some flights this week and was surprised to find that they wanted to charge me a couple of quid for using my Visa debit card... I thought this only happened with credit cards. The only option in the list which didn't charge me extra was Visa…
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credit card cheques
hi, I've noticed from various credit card companies that if you pay by credit card cheque you do not have as much protection under the CCA 1974 as you would do if you paid by credit card. does anyone know how exactly the protection differs? thanks
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surcharges when using credit cards
Can you tell me why some travel companies impose a % surcharge when paying for a trip using a credit card? Is it legal?
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Unfair charge on late payment of 65p on credit card bill!
Hi - wanted to know if i could reclaim the late payment charges on my credit card bill - i had underpaid my card by 65p (total bill of £1615.81) and i am being charged £93.56 as interest! Been with the company for past 6 years without defaulting on any payments. Company unwilling to waive it due to policy. all the forum…
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Joint credit card with poor history.
I have a relative who has no credit history, as he has lived in Romania, at various addresses,but he has now returned home to the UK, to live. I have for the last few months, loaned him my Nationwide DEBIT card, and he pays in, and draws out of the hole in the wall, without any problems, but what he really requires is a…
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Best way to reduce Credit card bills...
Hi all. Need a little advice here from someone a little bit more savvy. I owe roughly 7500, split as follows: Virgin- £6455 - limit = £11,000, APR 15.9% Lloyds TSB - £900 - limit £1500, APR 15.9% I also have a credit of £37.50 on Barclaycard. I wanted to move all the debt to a 0% balance transfer card, but obviously my…
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FAST Barlaycard online account payment
I pay my Plat Barclaycard online...... I used to transfer online from my Halifax account to my Barclaycard....and itd take about 5 working days...... Last month i was on my Barclaycard account and decided to use there payment facility..... After a simple set up i transferd money from my Halifax to Barcleycard account......…
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Paying off a balance?
Hello all. I've recently b/t'ed £2200-ish from my Halifax CC onto my Virgin CC which is 0% for the next 9 months. (When I got the Virgin CC, it coincided with the Halifax giving me a 0% for 6 months deal, hence the unused 6 months of the 15 month, 0% Virgin deal). I want to pay the balance off in full by the end of the 9…
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Visa or mastercard? Is there a difference?
Just wondered whether anyone knew of any substantial differences between Visa and Mastercard cards. Dad always used to have one of each, but I'm not sure why. Also I've noticed that Mastercard are bringing in "SecureCode", what is it? Do people think it's a good idea to sign up?
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Topping up a mycashplus gold card
I am aware that topping up at the post office takes one working day for the funds to appear in my account. I am wanting to top up £100 at an e-pay outlet, but i am unsure what this means - ""At an e-pay outlet If you visit an e-pay outlet you can top-up any amount from £10 to £150, in multiples of £10. The e-pay outlet…
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Credit Expert - further checks needed?
Hi all, Not sure if I'm posting in the right place. Just went to the credit expert website to get my report, and after sign up it said they need to carry out further checks on me first, this should take up to two days? Is this normal or is it an indication something's wrong with my credit file? (I've not long moved home,…
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Blasted virgin credit card changing payment date.
I have a Virgin credit card, I only took it out for the interest free transfer period and they keep giving me other 0% transfer deals so I am happy with that, but what really gets up my nose is they keep changing the payment date. :eek: When I first took out this card I had to pay by the 16th of the month, this has moved…
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Electoral Room Spelling Mistake
Hi, I'm applying for loans my credit rating is good. i keep getting refused for loans so i did a credit check on my self it tuns out there is one letter spelled incorrectly in my surname. so i spoke to my local counsel (Kirklees) they sent me new forms that i have filled out and sent back. i called them today to see if the…
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Paying a credit card bill
Hello, Sorry if this is in the wrong place, but just need a quick guide. I want to pay my Tesco credit card bill by cash this month but do not have a local RBS to visit. I want to pay it at Barclays where I have an account but wondered how much they charge to take the bill. I rang their (un)helpline and was told it's a…
