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They won't let me pay off the balance!!!
Bit of a long story but we moved house 2.5 years ago and I thought I'd contacted everyone we pay bills to to inform them of our change of address. Turns out I forgot about the halifax CC that my husband held and didn't realise until around a year later when I noticed a £5 DD coming out of our bank account monthly to pay…
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M & S card?
I'm not really a great credit card expert, having only really had a Goldfish account which was recently taken over by Barclaycard. Have not been terribly impressed with B'card - don't like their website and for the first time ever, managed to not pay my monthly account (don't know why, it just didn't seem to 'take'). So…
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Balance Transfer Question
This may seem like a stupid question but I need a bit of help I, with hindsight, foolishly assumed that you can swap any balance you like between credit cards Beginning of Jan....I sit down, work out my finance plan and decide which balances I can switch about. So I phoned up one company to put said plan into action and…
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Should I pay a minimum payment on a disputed item?
I have a Shell Mastercard that has been cloned to the tune of £2000. The scammers have posted 3 entries for nearly £2000, the usual £1 items and then the big one. This came up on my phone as an sms message, as I have subscribed to a notification service. So called them on the day in mid December and advised the…
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Tesco Clubcard credit card
Hi Ive just applied and been accepted for a tesco credit card. Couple of questions really. Firstly, how long has it taken in peoples experiences on here to receive their card? Secondly, when they send the pin number separately, do they send it once the card is activated or do they send it a few days after they send the…
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what to do
i have 3 outstanding credit cards 1 with halifax which has 1800 on a 5.9% life rate, barclaycard with 1600 on 0% til march and 2000 on virgin at 0% til feb statement. i have a life balance transfer rate with halifax of 8.9% for life of balance being offered. im considering that or getting a tesco card and putting the…
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CC transfer or pay off seperatley
Hello forum As it's 2009 I have thought about becoming debt free (well, credit card free) for a while now. I have this debt from student days and I am getting a bit sick of it. Here is the low down: Card 1: £1,446.00 - I think this is around 19% APR and was used to transfer a balance from Card 2, about 12 months ago. To be…
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Implications of missed credit card payments
Hi, I have manged to make a late payment on a credit card 2 months in a row. The payment has only been late by a couple of days. Does anyone have any ideas what this will do to my credit history ? Ans is there any way to repair it. I am getting a direct debit set up, and have complained to the bank in question that they do…
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BCard BT questions
Does anyone know if you can transfer a balance from a husband's M&S to my BC pls? There is a 2.5% fee - how is this treated in payment order? Tks. BD1
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Egg charging overlimit fee when not overlimit
Hi Was checking my egg money statement a short while ago and for the newest one covering dec 13 to jan 13 there is a overlimit fee despite the account not being overlimit. It was in the previous months statement as i forgot to allow for the interest but there wa a overlimit fee for that month statement and i paid off the…
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Here today, gone tomorrow.
Made a payment online to my Visa account on Friday 9th January at 11.30pm. which is acknowledged with a reference number. Then checked my online bank statement and payment has been taken showing amount and Debit Card authorisation. Checked my bank statement on Sunday 11th and debit authorisation is gone and payment is back…
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how do you calculate months interest from a p r of 6.9 %
Trying to calculate a months interest at a apr of 6.9 how do you do this need help please anyone no how to do this .
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Balance transfer from catalogue?
Hi all! I have a large Next catalogue balance & I want to clear it to stop paying the huge interest. I'm a bit confused with all the credit card things though as I only have 1 credit card (Barclays Platinum) which I rarely use & owe about £300 on. Is it possible to get a 0% balance transfer card & then transfer the balance…
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Gambler's mum
Hi there. This is a plea from the heart of a distraught mother. I'd appreciate it if someone could give me an answer/advice asap. A son of mine is a gambling addict. I have the impression that after many years of reckless behaviour, he's seriously trying to recover & start afresh. A month or so agao he got his employers to…
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Should I pay off my credit card
I'm new to the site and this is my first post so be gentle with me. If my savings aren't getting much interest would I be better off using them to pay off my credit card? I've been trying to over pay to reduce the balance and I'm spending about £150 a monthto do that. Would it be better to pay it off and use the £150 to…
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Interest charged at end of 0% Balance Transfer deal
Hi, I transferred a balance to a credit card which had a 13 month 0% interest deal. The 13 month period is about to end and I will have about £1,000 left on it. According to the credit card terms and conditions, interest on balance transfers is charged from the date of the transaction until repaid in full. So my question…
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bank paid off wrong card ( old one with £0.00 balance on it)
I have recently balance transferred to virgin and have made my final payment to lloyds cred card. When i checked my bank online, Lloyds have paid my final payment off the previous card that i had a couple of years ago before they sent me a new one. The previous card had a £0.00 balance and my most recent one was owed £…
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Newbie needs help - Balance transfer from Egg - where to?
Hello - am sure you will be able to answer this for me. My DH has a outstanding balance of £4000 :eek: on an Egg credit card. I want to transfer it to a 0% deal in my name (just because I want to administer it - make overpayments and get rid of it PDQ! - no issues about it being in my name - all of our finances are…
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Balance Transfer QUick QUestion (new to CC's)
Hi All, I have an outstanding loan that I have been saving to pay off, i am currently £800 short of my settlement figure and paying nearly £2 of interest per day apparently! If i was to get a CC with 0% balance transfers, could I pay off the loan and pay the CC back over the 6/12 month period in installments I realise most…
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No Need To Re-pay Credit Card
Has anybody heard an advert on local radio about if your credit card or loan aggrement wasnt drawn up corectly you do not have to REPAY, the advert is offering the services of a claim team to help but they must be taking a fee, does anybody know if it can be done by members of the public link to the info…
