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Nuisance calls from Egg
Has anyone else had a problem with automated calls from Egg? My daughter has a card with them and she went slightly over her credit limit. As a result, I've been receiving automated calls from them every couple of hours to remind her to call them. The thing is, she hasn't lived with me for about eighteen months and I rang…
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Section 75 question
I had my car in for repairs a couple of weeks ago with a large well known dealership. I got the car back and it was fine for one day and then showed the same symptoms as it was before it went in to get 'fixed'. I had paid the bill (over £500 ) by credit card so I phoned the credit card company and told them not to pay the…
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capital one default
hi newbie here, today recd letter from capital one stating my acct is offically in default,i telephoned them and had said i had aggreed repayment plan with them, they said acct is now closed but continue to pay token payments till one of their representives contact me, they wont say who or what they would do, i am…
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Confused by Intrest Rates/Charges - Help!
Hi, Im kind of new to this so be nice please! Im a little confused by how my storecard is charging me intrest and i was wondering if anyone could advise if this is correct? If you dont clear the entire balance at the end of the month they charge you intrest on the entire closing balance of the statement, regardless of what…
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Help Needed - Interest Rates
I need help. I'm trying to work out what the probable balances are on a credit card for cash & purchases from the interest. I managed to do this before but didn't write down my method and I can't remember how to do it now :( No doubt my brain is just clogged with stress at the moment and it'll all come back to me after…
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bailifs calling today
Can anyone help? Our address for at least a year is being fraudulently used by someone else. We are being harassed with continuing demands for money for someone else's debts that they have accumulated using our address. We are in liaison with our local police (they are being very supportive and have agreed that this is a…
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Reclaiming Credit Card Charges!!
I just phoned my credit card company Vanquis asking for my statements over the last 8 months or so, after reading the article about reclaiming late payment fees etc. It says that companies arnt allowed to charge more than £10 for this info, however they said there would be a charge of £5 per statement if I want a copy are…
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Lowells - Newbie needs some help please
Hello I would be grateful for some help - sorry this is a little long winded but I have provided all of the background information first. My husband had 2 Capital One cards one issued in 2000 and one issued in 2003 one was a visa one was a mastercard. The visa one issued in 2000 had a balance of £1295 and the mastercard…
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Problems with Balance Transfer
HI! I applied for a virgin credit card and on the application form I said that I would be carrying out a balance transfer with the card. I got paid more than I was anticipating so I paid the bill anyways through m and s. I phoned up to activate my card last night and the balance transfer has gone through even though I paid…
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Urgent help needed re: CC app, searches by Fraud Dept and CIFAS
Hi everyone, first of all this is not my first post but I had to re-join to post this as my sign on name was simply my name with no spaces and I'm very weary of putting details on this forum in such detail but I need your help. I recently applied online for a cc with a company who will remain nameless. I got the, you will…
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Missing info on my Credit Report!!!!
Hi everyone any help will appreciated with this. i have just checked my report with experian and there is alot of info missing. has anyone ever experianced this?? this is a copy of the email i sent them, "Hi, could you please tell me why there is no record of my HSBC credit card on my report and Vodfone mobile contract. A…
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Debit Card clawback?
I bought concert tickets off Ebay in September and used paypal for the purchase. The tickets have not materialised and the Ebay seller has now been suspended. I thought I had been careful by buying from a powerseller with virtually 100% feedback (4000+) It looks unlikely that I will ever see the money or the tickets again…
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Virgin credit Card
Just been approved for a Virgin credit card at 0% on balance transfers (done before Jan 09) until May 2010. I have transfered my egg card balance £1751.00 which I was paying 16.9% variable and I am looking to transfer my cahoot balance £3357.48 currently at 17.9%. Does anyone know what my minimum repayment would be on the…
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Could I have been Mis-Sold my Credit card?
Hi all, Back in June I applied for a Capital One Credit card with 0% on new purchases until 1st September 2009 (15 Months 0%). I checked my credit rating with Experian and it came back 999 out of 1000 which is pretty darn good if I do say so. Anyway, it appeared that Capital one had accepted me and they sent me my new…
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Having a credit card to insure purchases
I'm looking to possibly get my first credit card to buy goods and to book flights/holidays with, for the insurance factor and nothing else. I don't want 'credit' as I won't be buying anything I don't have the cash for. Is a credit card the best way for me to go? Any suggestions/ones to avoid, I currently bank with…
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Unauthorised Card Payment of £905 help
I have a goldfish card which i have learnt has been taken over by barclays. On the 3rd september goldfish took from my abbey bank account £905 via a debit card payment, this payment was not authorised by me i did not ask them to take this money. i do have a credit card with goldfish which is now barclays but pay all…
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Section 75 - Please help! £10,000 claim!
Hi ppl, Im hoping someone can help me here as all the info on Section 75 doesnt cover my circumstances.... I started a business a few months back designing and manufacturing blouses and dresses. After much research found a manufacturer, and after numerous meetings placed an order for just under £15,000 which the terms…
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How can i pay off my £6K visa bill quicker with out destroying my credit score?
I currently pay an agreed amount of £165/month for my £6.9K visa debt, the credit facility has been removed from my account and it's a big strain on my monthly finances, how do i break free of these shackles with out having to pay over the odds for this visa balance over the next decade?
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Can you make a credit card balance IN credit????
Ok, so i'm not sure if i'm going crazy with this thought (everyone i've spoken to seems to thinl so) But, i'm sure i've heard somewhere i could put money into my credit card account to make it + money... I'm asking this because i would like to book a holiday of £1200 but only have £500 limit on my card and obviously want…
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Virgin CC Direct debit query
I have applied for a Virgin Credit card to transfer money into my account to pay off a loan. I have searched the forums for info on Virgin CC. One of the things that bothers me is the setting up of a direct debit. From what I can understand, sometimes the DD will not be set up in time to cover the first payment. My…
