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Barclaycard default repayment
Hi, new here and after some advise. I had a balance of £29.31 on my credit card with a payment due date of the 5th Nov, I paid the balance in full using my debit card on the 2nd Nov on barclaycards website and was given a reference number, my online log with barclaycard shows payment made. I have just recieved a letter…
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Hello!
Hi, was wondering if someone could help me, this may have been posted before so sorry if it has. but wondering what is the best 0% credit card with a balance transfer? i currenty have an alliance and lecister card and when my statement came through i realised i'm paying £15 in intrest a month! Thank you in advance.
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Co-Operative Bank Using Mental Stress Techniques
I found out this morning the Co-Op bank have completely messed up my account and admitted the same this morning. They are showing my account in arrears when it isn't at all and will be sending me a letter of apology. Since the week end the Co-Op have been constantly bombarding me with phone calls throughout the day…
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Failed Credit Card Application
Hi I dont know if this is the correct forum, please feel free to move as necessary:- my daughter wanted to purchase some clothing from Topshop and was offered 15% discount if she opened an account. She already had a dormant one! On completion of the paperwork her application was declined and GE refused to speak to her…
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Minimum Repayments affect Credit Rating?
If i make the minimum repayment on my card does my credit rating get affected?
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Hard sell when closing accounts
I have a few dormant cards so have been ringing round this aft to close some of them..... 3 different lenders offered me 6.9% LOB transfers with no fee, and 2 of them an additional 0% period. I wouldn't have thought they would be falling over themselves to be giving people credit in the current climate! Barclaycard even…
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Credit Card For Business Use
I'm thinking of getting a credit card, I've never had one before but just lately my business sales have dropped drastically and I don't think it will get much better until march/april 09. It happens every year in my line of work and we usually cope fine but the credit crunch has made this year a little harder. I'm…
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Is it worth stoozing???
Afternoon all, I'm about to book a holiday which will cost £1400. I have the £1400 saved in the bank. All my bank accounts offset our mortgage which is at a rate of 4.99%. I was thinking of putting the holiday onto a 0% credit card for 10months and letting the money sit in the bank for aslong as possible. The thing is that…
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New Barclaycard/Goldfish Card - paypass
Recently got my new Barclaycard/Goldfish Credit Card after spending over £2 on their 0844 phoneline for a replacement after non-delivery of the first one :mad: . Not happy as I was over a week without the use of a card and unable to access my points on their website :mad: . Now I've got the card, I see it has a paypass…
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hfc debt transferred to marlin help please
Hi, about 2 years ago i entered into a voluntary repayment plan with all my creditors, no payments have been missed, but recently my debt with hfc bank (about £4500) was transfered to marlin, i currently pay them £17 a month, marlin have been totally un co-operative insisting they want £180 a month which i just can't…
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How do I contact one of the MSE's directly?
Hi as above, I have previously viewed some posts on here that were answered by some experts working for Martin. But cannot seem to find them now. Anyone know? Thanks Hannah
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Shell Mastercard / Shell Driver's Club change
Stopped at a Service Station over the weekend and noticed a laminated card on the counter specifying that there was a change to the t&c's of the Driver's Club from 28th Nov. Said something along the lines of where they can identify that the Shell Driver's club member is also a Shell Mastercard holder they reserve the right…
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0%
My 0% comes to an end in Dec. with an oustanding amount of £5000.I want to go for another 0% to offset the outstanding £5000. Since my plans to pay it off could not mature because I am buying a property(house) and my offer for a house has been accepted. I am waiting on the mortgage broker to get a deal for me.The lender…
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Which sub-prime to go for?
Both myself and my husband had IVA's that have now been completed and I now have a couple of credit accounts, a couple of sub-prime CC and current account with small overdraft and mobile phone on contract. However my husband has no credit at all so on his files it states no credit...no available credit...he just has a…
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Dispute Credit Card Rejection
Hi Guys, I'm totally now addicted to MSE!!! Anyone have any ideas what to put on a letter to dispute cc rejection. I am new to credit, Earn over 30k however have just moved into a new house. Thanks
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Transfer personal loans onto 0% credit cards
Hi, I am wondering if you can please advise whether you can transfer personal loans onto 0% credit cards. My partner has 2K with Natwest and 2K as a personal overdraft as a student. As she is no longer a student the bank have requested she pay the debt. I have read posts on transfering credit card debts onto other cards…
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What is a Generic Check on my credit file
Hi All, I have 2 "Generic Checks" on my credit file. WHat are these? Also do they harm my rating? Does these count as Searchs to my file and will this have a negitive impact on applying for credit?
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Hugely different credit files with diff. CRAs
Okay, I know my credit history isn't great, but it's not too bad apart from the huge argument I had with A+L, which led to several red 3s on my old current account with them, from 9 - 12 months ago. I have 4 credit cards, a loan, a mobile phone contract and several catalogue accounts which all show up on Equifax but NONE…
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Halifax card care
Ive had a renewal letter through yesterday for Halifax card care... Whilst this might not seem strange to some.. the renewal states a credit card I havent actually had (cancelled with Halifax) since february 2007, it shas my old address but new married name (got married this july) and I dont actually remember (and cant…
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Newbie Credit Card help...
Hello MoneySavers! I've only just recently discovered the benefits in having a credit card whilst chatting with friends, in particular the x% money back per £ spent. In view of this i'd like to start using a Credit Card to pay for everything i buy and setup a Direct Debit to pay off the balance every month. The problem is…
