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Default Notice - For How Long??
Hi guys, Had a default notice from idiot ABBEY national for £147 that wasnt paid, coz i had an accident in 2005. They sent bailiff, mum paid it off with her credit card, however, 1 year later i wanted to buy a laptop at comet and they refused the credit, than i checked my credit file and thats what i have on my file: Name:…
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Barclaycard OnePulse
Hi, I am thinking of applying for this card for the 5% cashback on Tfl purchases but I don't want to use the card as an Oyster card. I carry my Oyster card in my pocket and it has been known to fall out. I've lost it once and all I lost as a result was a couple of days travelling because it took that time for Tfl to send…
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0% credit card card....any tips on the following for
for balance transfer I currently have 4 but need to cancel one to move over to another 0% deal. i have Virgin and Barclaycard and need to move small amounts left over on Tesco and Sainsburys onto this new 0% credit card. I used to have Abbey which is MBNA and this has been merged with the virgin card as it is the same…
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paying cc over the phone
I have just paid my OH interest free cc over the phone by maestro,to barclaycard.The due date is tommorrow. I paid by the automated system. Will it be paid on time,or is there anything else i need to do?
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Phoenix taking over HFC court case
I have just spent 30 mins typing for the thread not to be accepted so I will try and enter the case in 5 min bursts My wife has an account with Marbles (HFC) which in Jan 2006 was 6 days late in paying at which point HFC defaulted the account. In Apr 2006 we had a tax refund which we used as a pro rata payment to 11 credit…
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Lies from NatWest?
I recently telephoned to confirm receipt of cards through the post. The NatWest employee said that I should have fraud insurance and insisted that I was liable for the first £5,000 of fraud. I was sure that he was wrong and told him but he insisted. Checking up, I found that he was knowingly giving false info to make the…
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Lloyds TSB Airmiles Duo
I have been using the above premier account for 16 months now due to the perks I get from travelling. I am paying £25 per month for this service, which I have queried, but was told it was correct. Today I was checking an item on Air Miles, and saw this...... Do I have to pay an annual fee for the new Lloyds TSB Airmiles…
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Virgin Master Card Trying to Rip Me off!
I paid for my double glazing by using Martins tip of transferring a balance transfer to an empty credit card and then having the money refunded to my bank account, I did this with the Virgin (MBNA) Credit Card and took advantage of their 15 months or so interest free on balance transfers. The bill was around £4500 and I…
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squashing credit card balances
Hi I have been hearing that you can get your credit card balances squashed, is this true? How do I go about it? I am told that you must keep paying the minimum whilst going through the process and that you pay something like 450 pounds for each card to be done, but if you owe a lot on your card surely it's worth it? Does…
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advice for a tart please
Hello, I have 3 credit cards and just been approved for a 4th Sainsburys bank = £0 Halifax = £1000 with 0% ending february 2009 Nat West = £1000 with 0% ending August 2009 Now I've just been approved for a virgin credit card with over a £2000 limit with 0% for 16 months. I applied for this because I wanted to shift the…
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Declined Tesco c/card - because part of RBS group? anyone know?
Posted in the balance transfer thread earlier, but not had any responses, so thought it might be better to post here (sorry mods for duplicating - I wasn't sure what's best to do). OH has just applied for a Tesco credit card to transfer balances (I think he has £5k - £7k of c/card debt) - and has been declined, despite…
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Virgin Credit Card
Can anyone give me some advice.... I have recently done a balance transfer from my virgin card to my barclay card (shuffle) I have managed to get 0% promo deal until June with my barclay card, and my virgin 0.9% deal was ending on the 7th jan. Thats all done and sorted. I called up virgin to then cancel my card the other…
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More Empire Direct
I ordered a TV stand from ED a couple of weeks ago. They debited my card but the order has not been delivered (they were quoting extended lead times). My question is, can I reclaim this from the credit card company, if so how? (Empire Direct are in administration)
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Help Can Virgin Do This ?
I have been with Virgin 18 months first 12 months 0% they have put my rate up to 37% APR when i rang and complained it took less then 3 minutes to have the rate reduced to 27% - when i asked why I was not paying 16.5% as before they said the rate is variable. Why this big hike and why me ??? Does this mean something has…
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Taking Egg to court
Hi hope someone can help? I have gone through the process of reclaiming my charges from my Egg CC. It has gone to court and they acknowledged my claim and expecting a defence. Many time they have said that The Office Of Fair Trading investigated the matter and because Egg reduced their charge from £20 to £16 they would not…
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Citibank Credit Card one off payment???
Hi, Due to a technical fault with an ATM machine cancelling a transaction halfway through me withdrawing money from the card, I now have to make a one off payment before next months automatic payment or else my interest from this month will take me over my limit. So even though I have made my monthly payment this month am…
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Best cashback credit card?
I currently have a few credit cards, but I nearly always use my Barclaycard (formerly Goldfish, formerly Morgan Stanley) because it offers 1% cashback on the first £200 per month spent, and then 0.5% thereafter. I think that's pretty good in this climate. Does anyone know of a better deal out there? Many thanks, Dee
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Virgin Credit Card - WARNING!
If you open a Virgin credit card account and want to transfer a balance, make sure you complete the transfer before the 0% offer expires. The offer expiry date is in the small print on your very busy statement and you may miss it.
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Am I still covered by section 75 if I close the cc account?
The title says it all really.... wonder if anyone knows this? I've paid for some cheap flights using my Abbey cc purely to protect myself in case the airline does an 'XL'. I really want to close the card though, because the rate's high, and I won't use it again unlesss they offer me some new deal (which they won't after…
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Are Credit Agencies Changing Our Ratings?
I got my credit report from http://www.CreditReport.co.uk and it's the same report as I got about two years ago. But my credit score has gone down. Are the Credit Agencies downgrading credit scores because of the Credit Crunch?
