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What do you think?
Just a quick poll regarding the general moral stance on debt evasion and using sly loop-holes in the somewhat flawed law of this country, be honest, no agro please just your opinion and vote on the poll thank you very much. Ladies and gents, the floor is open.....
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Aqua Card - Question
I'm 18 and have been turned down for 4 credit cards including Capital One. As a last shot, I decided to try Aqua and Vanquis. I've just got a letter from Aqua today and they have said ''As part of our application process, we must see two forms of ID''. Is this standard pollicy for credit cards? I'm not sure if this means…
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HSBC acting illegally?
Hi could someone possibly advise me on a problem I have please. I have disputed a credit card debt with HSBC back in 2006 and requested a signed cca which they failed to provide and admitted in November 2007 that they could not provide this. It is my understanding that without the signed CCA they are unable to enforce the…
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Barclaycard and associated companies?
Hi there I seem to be having a little problem with my card, well quite a big problem! I have had my Barclaycard since I was at college(worst mistake ever) I got the brilliant rate of 29.9% :( starting balance was £1000 now eight years later I have just about managed to fill it up after many times of them boosting the…
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Credit Card Rate Haggling - It Works!
Inspired by the Credit Card Shuffle article, I just phoned Virgin and mentioned that I had a balance transfer deal on another card (technically this is true but I don't actually have enough available credit on that card to transfer much) and I was considering using it. Almost before I'd finished my sentence, I was…
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Sub Prime Credit Thread Part II
Welcome to the Sub Prime Credit thread Part II You can find a link to the old thread here: http://forums.moneysavingexpert.com/showthread.html?t=922297 Thankyou to everybody who has made a contribution to the thread so far and keep up the good work. Capital One Visa Monument Visa Vanquis Visa Aqua MasterCard MBNA Sub Prime…
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newbie Credit Card Help
Hello i would like to get some help on this please have a virgin credit card with £5800 on it have another card with £1580 on it got a tesco card 0% bt for 14months card limit £3000 2.9% fee What is my best cause of action should i apply for another card (have not faulterd with any payments so rating should be good) aswell…
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Credit Card what do i do? please help
I have £5000 on vigin 0% till march is it best to transfer it to tesco 0% tesco card till october with 3% fee or pay it off with a £5000 ISA hsbc mini cash isa or any other suggestions... Thanks in advance Deborah
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Contacting Barclaycard
Can anyone help? I have sent several letters to Barclaycard complaints via the address given on their website. Despite sending recorded delivery, I've not received so much as an acknowledgement. I've tried ringing, but customer services keep telling me to write to the address I've been trying! Apparently the complaints…
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Best Credit Card for Air Miles
Which is the best card for collecting air miles? There are some that five you a bulk amount of points the 1st time you spend on the card and some have annual fees. Does anyone know the best one?
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Section 75 Fraudlent Credit Transactions
Hi I've just recievd my credit card from MBNA for £19.19 (which I was surprised about as I hadn't used it for months) Their a transcation for some kind of subscription although it not something I 've subscribed to. I told the lady it wasn't something I had authorised. She said thier nothing MBNA could do as it was a…
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tesco credit card
I have an outstanding amount of £9500 on this card, i been paying a reduced amount of 35 per month for the last 18 months and interest has been frozen. this is due too separation from the exwife and family home, so i could not afford to pay this off and pay mortagage and maintenance. I have been told that i could make then…
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Scammed From PayPal, any help?
So just before Christmas last year I sold a game on ebay which got me about £64 including postage, so when going to post the item the address was wrong. I contacted the buyer and asked for a new address, once posting it and notifying the buyer that I had resent it he opened up a dispute with PayPal. As soon as the dispute…
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Another one to up the rate!
Got a letter from Amex today (I have had a Blue card with them for a number of years) APR rate is increasing from March from 7.9 to 14.9 No explanation as to why, only a rather stupid comment that "if you pay your card bill in full each month you won't be impacted by this change." Doh! Never thought of that! Seeing as most…
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Pre 2007 credit card accounts
Hi I have heard that the consumer credit act changed in April 2007 and any account which was opened before that day is now being run illegally by the credit company and therefore void. Does anyone know how to reclaim money and get the account closed on credit cards that were opened April 2007. Thanks
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Tesco Credit Card
Hi, I have just been accepted for a tescos clubcard credit card, I have turned down the online protection as it costs £29 per year, but now Im thinking should I pay it? If someone gets my card details and spends on my credit card will I be left having to pay it?:rolleyes: I currently have a capital one card and it has…
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Living Overseas
Hi, I have moved to the Republic of Ireland. I have around £5k on a credit card with a APR of 17.9%. Do you know if it is possible for me to apply for a 0% card when I live outside the UK? Also, I am currently unemployed so do you think it is better for me to wait until I have a job before applying for a new card? All…
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Barclaycard Plat
Morning all, Been on the phone to barclaycard this morning (mainly as i locked myself out of my online account) but anyway i asked if i had any offers on at the mo (as i never use the card) and i have a 6.9% for life of the bal. Was just wondering if anyone knows if barclaycard accept transferes to your current account…
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NO CC statements for over 4 months!
Hi All Im in a bit of a strange position and I have no idea what to do, please bear with me. I have an EGG credit card which of course is paperless and you check your statements online. Now for over 4 months I have not been able to access these statements. The account shows none of my previouse statments which used to be…
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How secure is RBS Secure?
I have just been the victim of a Cardholder Not Present fraud. I realised something was wrong because I got an email telling me I had changed my RBS Secure password, which I knew I hadn't, so I got onto them and my bank right away. I was absolutely stunned to discover how weak the security is for the RBS Secure service. If…
