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Valid Claim Under Section 75?
I bought a second-hand car in December and paid for it using my Virgin Mastercard. 48 hours after taking delivery, the SRS (airbag) light came on and hasn't gone off since. I reported it on the Monday (bought on Saturday) and the garage concerned arranged for a mobile mechanic to come and read the engine management unit to…
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Tesco Clubcard Credit Card - trouble adding an additional card holder
Hi all, I shop at Tesco a lot of the time so I've applied for a Tesco Clubcard Credit Card, to help stack up the Clubcard points. I'll be paying it off in full each month, so I'll never be paying any interest - touch wood. My card has arrived fine - though I had to send a utility bill to confirm my address. It's a new…
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Direct Debit !!!! up has cost me.
Need a bit of advice. I applied for a Halifax credit card with 0% purcases for 9 months with a credit limit of £4200, and filled in the direct debit form and sent it back. I get my first statement on 20th of Nov saying £0.00 to be repayed by 15th of Dec. I didnt get a statement on the 20th of December and I didnt think…
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Paying off credit cards
We are in a position at the moment, to pay off a couple of credit cards thanks to a moderate windfall. We can pay off one or two of them in full, and then want to concentrate on the others using the money we would normally pay monthly to these two. My question is this - is it better to pay a little extra off all our cards,…
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Paid off balance in full but direct debit still went through
Hi guys, I have a direct debit paying off full amount of my AMEX credit card. Last month the credit card amount was quite large so i manually paid it off about 2.5 weeks before the direct debit date (in case I didn't have the money there on the date it was to be taken out). But today I found out they tried to take it out…
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Nationwide lowering credit limit
We've just got a letter through from Nationwide saying they are reducing our credit limit to under £1000.. We only use the card when we're abroad (thanks MSE ;) ), we always pay it off in full, we should have an excellent credit rating etc etc. When we phoned up - they basically said they were lowering it because 'of the…
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Time to Save $$
My personal opinion is to save but not because you are afraid or fearful of the future, but simply to catch up on payments so you can enjoy life. Too many people are trying to save only out of fear, and fear makes people sick.
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Confirmation Email..?
Only a quickie.... Just been accepted for the Virgin 0% for 16 months deal.I was wondering if I should expect a confirmation Email on Terms & Conditions/APR etc.. or just wait for the card and paperwork to arrive in the post..? Ferry
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Current account to CC
I've recently took out a halifax credit card thinking that i could transfer my overdraft at natwest of 1800 onto it only to find out I can only do balance transfers from other credit cards. Does anybody have any advice? Thanks in advance.
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£117.66 interest - £118 minimum payment
Hi There, I have a Marbles credit card, and around a year ago they informed me they were selling off their finance department and that this may effect my rate of apr, ect. At the time I was paying off the minimum payment on a debt of £4700, which was around £80 - with around £60 being interest added every month. Now that's…
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Credit Card Applications
This might be a silly question, but when applying for new Credit Cards online, you have to state your Salary details etc - do they actually check this? If so, how? Do they ring your employer?
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Credit Card interest rate extortion
Hi All Just thought I would let you all know that if you have a credit card that your provider may be charging you extortionate rates of interest as mine was. Im with the Abbey and I only just discovered after querying my interest charge that my rate of interest was increased from 20.9% to 34.9% effective from the 29th…
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do you notify your credit card companies when you are going on holidays?
do you notify your credit card companies when you are going on holidays? and if so how far in advance? the only time i have bothered was when i was travelling for several months and wanted to give permission for my parents to deal with my accounts whilst i was away if there was any problems, but have seen a few…
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post office credit card
just wondering, i have applied for the post office cc today, now unlike my old ones, it appears they dont send out an agreement to sign and then post back, but you tick signature the agreement and they send card in 6 working days, does any one know how/when they advise the credit limit as there is no note on the credit…
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Credit card help
Hi there, new to the site although ive heard great things about the help and i could use with experience and advice. I'll give some background so I can hopefully get some useful advice ! I'm 19 and i am currently an apprentice so I dont earn good money - at this moment in time. I only earn just under 9k a year however I am…
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Mastercard doesn't know answer to Mastercard question. Does anyone here?
I recently made a purchase online with my M&S Mastercard to a company in America: www.directlines.com it was extremely difficult to find what their shipping costs were and the only information given was: 'Shipping costs are determined based on the items you are buying, cart subtotal and your ship-to location. The shipping…
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12 GBP for late min. payment
Quick and straitforward question. Can the fee in the subject be claimed back from the bank with the template letter this site has prepared (and I guess is famous for?) As it is not "interest" but a "fee" I wonder if it cannot be considered execcive for one day delay. Thanks for any reply Steve
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Can I transfer calalogue debt to Virgin C/C?
Hi, We bought our first house last year and needed a cooker and fridge so we bought it on our catalogue. I managed to get it on buy now pay later. We our now approaching the end of this period and I would like to transfer this to a credit card if I can. It's not much under £1000. I have seen that the Virgin credit card is…
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Cash machines and cash back
Hi guys, Just a quick question- can you get cash back from places such as the Co-Op or Spa using your credit card? If so, are extra charges applied as if it had been taken from an ATM. Cheers!
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Wot's goin' on?
The Good, the Bad: I write to my HSBC credit card account, which was charging nearly 20 per cent, and say that interest rates are at historical lows, why do they charge so much - they reduced the rate by 4 per cent to 15.9 per cent. Good.... But then I get a letter from Capital One, saying they are going to INCREASE my…
