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Unfair Credit Agreements - HELP
Some time ago I entered into an interest free credit agreement where I paid a deposit for the goods and if I paid the balance with 9 months no interest charges would be incurred - I recently sent a cheque off to cover the balance as per my invoice only to get a letter back stating that there was an excess charge of 1.6% of…
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0% balance transfers and purchases
Are there any other apart from the virgin one avali, as i've been declined for that. I have a credit card but have never used it and have no idea of the rate and i've cut the card up, whoops! I need something as a fall back so when i dont buy petrol and get my card refused i dont have to find the money to go and pay them…
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Bought jacket, now reduced by £45, claim difference from the Credit Card company?
Hello, I bought a jacket, in store, full price at £225. I have checked the website of the same store and the price has now been reduced to £180. I bought the jacket approx 3 weeks ago. Is it possible to claim back the difference from my credit card company? Thank you!
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Paying off card
Ok, I have not had a credit card before but i am looking to get a cashback card. So I can more earn interest on my money in the bank and get casback. I get paid on a monthly basis then usually transfer most of my wages to a savings account (no withdrawls) and keep what I need for the month. I noticed that most cards are…
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MFI Nightmare - please help
Hi I'm new to this........first post!!!! but really need some help My local MFI store closed down around a month ago and I purchase an x display kitchen and paid £3200 I put £2900 on my credit card and £300 on my debit card. I then needed to order more to the kitchen to fit my space where I should of pay over £900 they…
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Rejected from Credit Card again! Help!
Hi. Ok, just moved to A&L current account and theyve turned down my credit card application as well as HSBC who i applied for a few months ago and I'm struggling to find out why. Here is my current situation. Im 24 and moved to London 1 year ago and have been living at my new rented place for around 4 months. Pretty sure…
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disassociating my name from property &/or people
I'm in the process of separating from my husband, this is amicable and his post will cotinue to be sent to my house for now, how can I ensure my credit rating will be officially based solely on my own name without his name wrecking any applications for loans/credit? He is awful with money and I don't want to be affected by…
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BMi Baby Multiple Credit Card Charge
Last week I pre booked 18 flight tickets, split into in two groups of 8 and 10 persons on the internet direct with BMi Baby. When I came to pay for the tickets I was given three options, debit card, credit card and switch. I sellected the debit card option incuring a charge of £7.50 for each of the two seperate…
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MBNA credit balance on card
Hi, Having been recently stung for late payment sharges by MBNA and then losing my 0% BT rate and having to fight to get them back but no luck yet on the interest they charged me I would like some advice in the reverse scenario. In Feb 2007 I was sent a statement for another MBNA card that I had settled but had a refund…
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Do we pay always more with Card?
Hi, If we use a credit card finally will we be paying more? Paul Weinstock
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Addresses when applying
Hey everyone, I want to apply for a new credit card, but have a question as to how to fill out the address section of the application form. My situation is as follows: 1) I lived in a certain address for 3 years: From Oct 2005 to Jun 2008. I was registered at the electoral roll at this address (Address 1) 2) I lived at a…
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Electoral Roll and Getting Credit
This is probably a dumb question but... I live and work in hertfordshire (renting just a room so not on any registers) but all my cards and stuff are registered at my guardians address in Suffolk but I'm not on the electoral roll or council tax as there is no point in her paying the full council tax amount when I don't…
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limit reduced
letter today from Barclaycard reducing my limit. I`ve always overpaid and recently started paying extra, could it be because I don`t use it regular or are they all doing this? At least it will be less to clear then cut up!
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Casestudy for the Sunday Times
The Sunday Times has asked us to post this casestudy request for a story it is doing this weekend: The Sunday Times is writing an article on the practice of the banking industry and credit card companies. We are particularly interested on whether the injection of public funds has changed attitudes in the industry. One…
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Free flights with flybe cards
Can anyone tell me once you have the voucher, how long is it valid for, and are the flight's anywhere in Europe, lastly is it worth it?
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Any Mathematicians or Actuaries here ?
Hi There, Following on from another thread where I made a complete hash of working out an APR on a loan, I have been attempting to work out the formula to calculate the APR. Basically the poster borrows £10,000 and pays back £280 over 60 months, meaning they pay back £16800 over 5 years. The question is what is the APR ?…
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First Direct Gold Credit Card : SBT card?
I have just done balance transfer from my FD Gold Credit Card to FD current account online, and it worked! Is FD CC an SBT card?
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How to get people to pay their credit card bills faster
The answer is obvious, but the psychology behind it is interesting... http://timesonline.typepad.com/comment/2008/11/one-way-of-incr.html
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Newbie Wanting a Credit Card
Hi, i've tried reading this section to make a decision, but the more I read the more confused I get. I just don't know which one to get. ofcourse, in true moneysaving style, I don't just want to jump intyo one and worry about the consequences later. I've never ever had a card before so need some advice on what to get. my…
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High minimum payment..?
I've transfered a credit card balance from Virgin Money, where I was making a ~0.7% minimum payment, to Tescos/RBS (0% for 14 months), and discovered that the monthly minimum is now around 3%. So that is in excess of 4x the amount, and seems excessive. Will they allow requests to reduce the minimum, or is this another…
