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Capital One
For the last two months Capital One, have not attempted to take the required direct debit from my bank account.They have simply charged a £12.00 over due payment fee, which they give back instantly when I phoned them and complained. The direct debit is active at my bank, and Capital One have sent me a letter confirming my…
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Triggering Egg Money's suspicious transaction alarm
I know I shouldn't really complain about this, they're only trying to protect both our backs; but does anyone else find it a bit too easy to set off Egg Money's suspicious transaction alarm? And then, in this day and age of identity theft and everyone being warned about giving personal details away; Egg's security…
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help with credit card
Hello everybody im new to this site. I have an outstanding debt on a credit card (capital one) approx 1600.00. I have not used the card for a couple of years since moving address and i want to know if they can find me as they have not got my new address. Do i contact them and offer to try and pay the debt off or forget…
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Which 0% Card for balance of 6k
Simple question. Which is the card where i'm most likely to be accepted for a balance transfer of 6k? I have been refused Abbey. And currently have an MBNA card with the 6k on it. My credit score is in the 900's. Thanks in advance.
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turned down for credit cards but no searches on my credit file?
HIya I have recently been turned down for a couple of 0% credit cards, despite having good credit history. I have checked my credit report and there is nothing untoward on there, in fact it shows that there has only been 1 search on there in the last 6 months and this is by a mobile phone company via a contract I took out…
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Virgin Balance Transfer Problem
hiya guys, I have had my virgin credit card for 8 months now... I have just gone on to make a small balance transfer. But there is no longer this option online. Is this because they have stopped everyone being allowed to do so online or have virign stopped me from making any more balance transfers? I have 288£ credit…
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Best prepay card
Looking for a Visa debit prepay card. I have a mastercard prepay, but would also like VIsa debit. Is the paypal prepay visa debit? G
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Alliance & Leicester lifestyle protection
Hi there! I was recently on the phone to Alliance and Leicester and they started telling me about their lifestyle protection...all seemed very standard until they went on to talk about the lifestyle options, and everything from divorce to moving house was included...does anyone have any views on this? It seemed pretty good…
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Improving Credit Rating
Hi, I'm new to this so hope someone can help. I was made redundant in Sept 08 and unfortunately my mortgage and car finance fell into 7 months arrears. I did not have any payment protection on either and clearly could not make the payments without any income. I have a written agreement with my mortgage lender to recover…
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Amex 3 month cashback - start date?
I'm hoping this is a stupid question (which is why I don't want to phone and ask!!). I've just applied for a Amex 5% cashback card and they said it would take up to 10 working days to arrive. When does the 3 months start? From when I receive the card or from when my account was opened? Cheers
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Egg Credit Cards...made simple....
!!!!!! is this all about? :confused: We're making some important changes to your Egg Card Agreement. You'll see below a summary of the changes to your Agreement and the dates they became effective. It's important you understand what the changes below mean to you, so please read the following information carefully. A…
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Approved! Yay!
Just needed somewhere to shout about the fact that I just got approved for a Barclaycard Simplicity 6.8% Life of Balance card - don't know the limit or anything yet but SO relieved. I've got a MBNA with loads of debt on it at an outrageous rate so this is really really gonna help me start paying it off - even if the limit…
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Money transfer to another account
Hi My boyfriend has a 2K overdraft and we have toyed with the idea of getting a Virgin credit card and doing a cash transfer to pay off the bank overdraft and transfer it to the 0% interest credit card. However i do not know how much i trust my boyfriend therefore If i got the credit card in my name would i beable to do…
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Amazon MasterCard
Anyone else sick to death with this card? They NEVER bother sending me the Amazon.co.uk gift vouchers, even though I regularly spend enough on the card to get the required points. I try calling Amazon MasterCard and get told it's Amazon.co.uk's fault, and then when I call Amazon.co.uk I get told it's nothing to do with…
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Using Cahoot Visa card in States
Last time I was in the States I tried to use my Cahoot visa card and it was declined. Talking to Cahoot when I got back, it turns out that they only allow authorisation by Chip&PIN and it is not possible to sign for goods and services. This makes the card effectively useless when in the States apart from withdrawing cash…
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Letter requesting CCA Agreement.Small question please
Hello there, I have a debt of £6000 on a Lloyds credit card. I took out the credit card a number of years ago. I am not sure if this agreement is enforceable and I was thinking of requesting a CCA. In the threads I have noticed some people saying write on your letter " I DO NOT ACKNOWLEDGE OWING THIS DEBT". However, I am…
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Is there a difference in cards?
Hi, we are moving soon and need to get some big essentials i.e. Sofas, Dining table etc. think we need about £1500 credit but not sure which one. There seem to be different types of cards. Whats the best type to go out and buy a load of stuff on pretty much one go and then cut up so we can just pay it off monthly. Looks a…
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Credit Card with decent initial limit
Hi, I currently have a Natwest Graduate Account with a Student Credit Card with a £500 limit, im in a full time job and earn about £17-£20k As this £500 limit was a bit rubbish and couldn't be increased, I decided to apply for the Capital One credit card - i've been accepted, but on the phone today I was told the initial…
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Best Card for paying off overdraft?
Hi, Have been looking into balance transfer cards to shift my credit cards depts which are approx £2000 but i would also like to put my overdraft of £1250 on it too. Virgin charging 4% for doing this which i thought was quite steep. Anyone have any better ideas:question: Thank you
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credit card
Hi, new to the forum and just after some advice, i have a history of bad credit and if given opp will spend if given. In dec 08 i was surprised to receive a credit card through the post even though i never applied or signed for one what is worse it had 6000 credit, it is now upto its limit and obviously put me in debt. I…
