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Bank Account - Credit payment, Am I thick?
Man I need help!!!! I recently got out the halifax one card or whatever its called, to transfer my overdraft from my Alliance & Leicster account to it, so I get the 10 months interest free to pay it off. Trouble is, I have absolutely NO idea how to do so. I cant find anywhere on the Halifax site to let me do this, nor the…
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Trying to close credit card
after having paid my monthly minimum, £84 came into a bit of money about 6 days later and paid off the ballance, about £3600 and tried to cancel. At the end of the month got in a statement saying that there was £84 interest owing for the month just passed. Is this correct? any advice please as this doesn't seem right.…
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What to do with Virgin Card?
I applied for and have just got a virgin 0% card..my limit is £1500.I wanted to use it to clear debts but as the limit wasnt enough and I've cleared the debts by remortgaging I am now wondering what to do with the card - I dont actually need it now but I understand that having got it I need to use it in order to protect my…
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is there a time limit for companys to take payment????
Hi, I have recently booked some airline flights with a broker for a major airline. I purchased the tickets online and recieved confirmation and the e-tickets. I have checked my statement and no payment has been taken other than the booking fee. It has been about 3 weeks and they still havent taken payment. I was concerned…
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Virgin/MBNA reducing limit
Hello everyone. Just a little bit of info here, rather than a request for advice. Thought I'd share it. A couple of months ago I applied for a Virgin card to do a 0% balance transfer of £1300 from a fully up to date Capital One card that charges 27%. Now, in the past, my credit rating's been poor...I was bankrupt back in…
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Captial One Email address
Hello all Does anyone have an enquiries email address for Capital One? As I am on a DMP I cannot log in to my account online... and when I call them the automated system tells me the department I need to speak to is closed and to call back between "x" times, even when I am calling between those times:huh: Alternatively a…
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Credit card reduced payments
Hi everyone, Two months ago we contacted every card we owe and asked for reduced payments due to temporary financial problems.They all agreed and were very helpful. Just yesterday we discovered a drop in our child tax credits (overpayments apparently....how I don't understand,every figure given was to the penny). What I…
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Abbey Zero - Low Exchange rates!
I got the new Abbey Zero as a backup for my Nationwide. Both say no hidden transaction fee when abroad. I used in Spain recently. Abbey Zero, 14/7, one at 0.8035 and a larger sum at 0.8033. The next day I used my Nationwide, 15/7, 1.257426 (=0.795275). That is a difference of 1%. According to GBP/Euro history the exchange…
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Baraclays Credit Card Cheques
Hi there, Barclays have sent me some balance transfer cheques at 0% interest for 6 months which I want to use but you have to put your card details on the back of the cheque in order for it to be processed. I havent got the card details as hubby made me cut them all up so I could spend on them (lol) so I dont have the…
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Virgin CC problem
Hi, Last month I transferred a credit card balance to a virgin card with 0% for 15 months. I set up a direct debit over the phone and was advised to make it £120 each month. I recieved a statement today saying that I failed to pay the minimum payment of £122 and therefore incurred a late payment charge and have lost the 0%…
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HSBC - "Total Charge for Credit"? Er....help!
Hi all, When I was young and foolish (ok, last year!) I put a rather large purchase on my credit card. At the time it helped me out (my car blew up and needed fixing) but obviously it wasn't the smartest thing to do. Anyway, after reading through the articles on this fantastic website, I decided it would be best to do a…
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FIRE re credit card debt - make me an offer?
Hi I have received a letter from a company called FIRE (Financial Investigations and Recoveries Europe) Limited regarding an old credit card debt. It says that "as a final attempt to resolve this matter and to stop further action, FIRE will guarantee to consider any sensible offer in full and final settlement of your…
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PAYG Credit Card
Hi All Just wondered if anyone can help at all, after many years of running my business with my ex partner as a partnership we were made bankrupt yesterday in High Court. Our house is on the market and there is no way of knowing when that will sell, however I have seen your advice on new bank accouts for bankrupts but I…
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Virgin CC Payment
I have to make a payment on my Virgin CC its due on the 27th,. now bearing in mind its a bank holiday weekend, if I pay online or over the phone it wont clear until Thursday! Now If I pay with cash over the counter does that show overnight so could pay tomorrow and be cleared on tuesday. if you could let me know that would…
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BT Morgan Stanley to Barclaycard
Can anyone tell me if this is possible or not? Cheers
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debt agency have us in their sites
not sure if on the correct forum however we just received a letter today from a debt collection agency stating that Tesco credit card had sold them our debt. We informed tesco several years ago we could not afford to pay off the minimum each month and came to an arrangement which appeared satisfactory to both parties.…
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American Consumer Revenge
Hi, Does anyone know of an American equivalent of Martin Lewis' MoneySavingExpert.com? If you do can you post to here? I have just moved from the UK to the US and found this website really helpful in deciding which credit card to use and which bank account to apply for. Thanks.
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Which card is worth keeping
Hello My bloke is in a bit of a mess with debts, he keeps putting things on credit cards rather than saving up so I have told him I am going to confiscate them all and cut them up. He is happy for me to do this but wants to keep one for genuine emergencies. All his cards are at standard rate, he has no current offers on…
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Balance transfer fee of 2.98%!
Just did a balance transfer from Halifax to Virgin card or around £6k and found ive been stung for nearly £200 because of the small print of an admin charge or 2.98%! Scandalous when they advertise 0% interest rate but then charge that. Anyhow, a question, is there a limit on how mant times you can balance transfer?
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Credit report shows delinquency for 44p !
Hi, Can anyone offer any advice, we currently have a credit card and are now ready to transfer to another one with 0% balance. But to my shock when we applied we got refused, by 2 different banks. I don't look at my credit report, but signed up because I couldn't understand what was happening. We used to have a one account…
