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Claiming PPI back from credit cards
Has anyone had much luck claiming PPI back from credit cards, I have writen the first letter to LLoyds TSB & MBNA & received the same responce, "you agreed to the PPI & could have cancelled, if you are not happy copntact the Financial Ombudsman". Has anyone else receive this & did they get the money back?
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Strange Halifax call
Just got a missed call on my mobile as i didnt hear it ring. The number i have traced is to "Credit Card Applications: 0800 028 3260 Mon - Sun 0700 - 2200" I rung them back and the guy said that the number doesnt appear on their system - even tho i rung him on it so i cant find out what they wanted. Im slightly worried as…
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Credit Card "Families"
Hi I got scammed :( and now I'm in a pickle with debt on credit cards and I'm looking to balance transfer to a good long term rate. Thing is I have the following cards and don't want to apply to the same "family / group" to help me get the best deal. I've got Capital One, Barclaycard, M&S Money, MBNA Could anyone help me…
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credit card debts on death
Our mother recently passed away and when we informed Yorkshire Bank we were told that bacause our mother had a current account with them in credit it would be transferred over to the Yorkshire Bank Credit Card to pay off some of the outstanding debt. If mum had a credit card with a different bank, her debt would have been…
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Why do transfers to MBNA Virgin Card take so long?
I transfered an amount from my current account to a Tesco card and it took only a couple of hours. I made another transfer to a MBNA Virgin credit card only seconds later and I'm still waiting for it to show up on the Virgin balance. It's infuriating because there was just a pound left to pay off before the balance is…
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Section 75 claim different from MBNA deposit claim
Hi All We had flights booked with XL due to leave for Egypt in October. Obviously very disappointed we went about trying to claw back the money we had paid for the flights. We had paid £480.00 deposit by MBNA credit card, and so immediately registered a claim with MBNA for that amount. Many weeks later, I realised that…
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Best Balance Transfer Card
Hi, I am looking to apply for the longest balance transfer card and just want some info on how these deals will change in light of the current interest rate cut. The best one so far seems to be the Virgin Credit Card with 0% on balance transfers for 16 months with a 2.9% fee. You can also clear your overdraft with this one…
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Comet and my card
On 22/11 we went to Comet to buy a Humax pvr. They assured us it would be instore by 28/11. It wasn't. They have taken the money from my account on the day of purchase/order but are now telling us it won't be around till 8th December and they willl not guarantee we will have a machine allocated to us. Is this right and…
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to pay or not to pay
is it adviseable to pay some money off a credit card before i have the bill sadly i cant pay it off in full but with christmas approaching i dont want the money i have to be wasted? is there any problemswith doing this? thanks
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Sygma: The Real Story
So precisely how many people have been CIFAS'd now by Sygma? I'm sure I have read about at least two different people on here. I'm wondering if people considering applying for this card should be warned to avoid it? Once you get a CIFAS I believe that your credit history is totally destroyed adn you will never be approved…
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Section 75
I sent a copy of this sites sample claim letter to HSBC Mastercard under Section 75 which states that it should be delt with within 14 days. However it is now thirteen days, and I have still not received a reply or refund from them. Can you tell me what I should do next. Should I givem more time and if so how long.…
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ppi ? why are they stringing out paying out
my partner has filled in forms for both barclaycard and halifax which both use an insurance firm in Dublin. she got her doctor to fill out an extensive medical questionaire. everytime we try for an update they say they have not heard from the gp on unrelated medical issues this has be going on 4 months. Who can i complain…
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Natwest Credit Card - am I declined or accepted?
Hi there, In September, as I went into a Natwest branch to pay in a cheque, I was asked by the cashier if I want to apply for a credit card - I am eligible for one. That time, I thought Natwest still does those 0% purchases, so I said yes, and applied with a customer advisor in branch - was told I was approved a £1200…
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No reply from credit card companies for 10 days!
Hey, I have wrote to my 3 credit card companies for a copy of the credit agreement I signed with them. It has now been 10 days and I have not heard anything from them. What do you think I should do next?
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Virgin MBNA 35% apr help
I've browsed the forums and noticed quite a few people have had their apr upped to 35% on mbna credit cards. I've called them a few times to reduce it but they wont budge. I'll explain my problem. I had it on the interest free rate, and planned to balance transfer at the end, but an unfortunate problem occured, possibly…
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Where could they have got my details from
Had a phonecall yesterday from Llyods cc regarding my account, there had been over 25 attempted transaction on my account within a day which were blocked after about 8, all of these were for between £1-2 and to charities so a bit odd, its not that im tight or anything but dont give to any charity with my card, infact hadnt…
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Who to complain to about Egg credit card?
I have a problem with Egg over my credit card. I have spent the past 6 weeks trying to get it sorted, but to no avail. Egg say they are doing things to help, but nothing seems to happen. They assured me I would receive something in the post today, but of course nothing arrived. I will write them a stroppy letter, but is…
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Credit Card cheques and section 75
If I make a payment to a company, over £100 by credit card cheque, does anybody know of any reason why this would not fall into the coverage of S75? The reason I ask is that I have been part of this MFI issue (not part of this discussion) and I wish to employ one of their contractors to supply and install a kitchen.…
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0% deals
Hi all, Hope you can help me! I have 2 credit cards which each have about 10k on them and have an interest rate of 19% and 21%. Do you think its a good idea to apply for a few 0% deals and transfer them. The only worry I have with this is I don't applying for loads of things as it will effect my credit rating and also I am…
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Can i claim back payments on credit card insurance?
Three years ago i was unemployed and had severe Depression for 2 years and anxiety attacks...Which i am over now but still find it hard to talk some times to people..and answer the phone. (During my illness (i could not cope or handle anything) and had trouble speaking to people even answering the phone as i have…
