-
Help!!
Hi Guys, im in need of some help!! Over the past two years i have run up a considerably amount of debt! in particular 7.5k on a credit card, im only paying back the minimum repayments and it feels like im getting nowhere fast. The 0% is about to run out and i cant balance transfer the amount to new account, i really want…
-
national hunter
i paid £10 for the subject access request & today recieved 12 pages of paper work. various different lenders from halifax, barclays, abbey, mbna and the like. doesn't really say alot apart from my details being the same and the different products i have applied for. what does it mean when your details are passed to the…
-
Nationwide CC 'Whole Bill' DD?
I had a problem with my DD to pay of my nationwide credit card last month, but all sorted and set up on my new account, I thought. Now my statement balance last month was £456. I was expecting this to go out of my bank account today. But they have only taken £339?! Neither the minimum payment nor the maximum... Why have…
-
Barclaycard sort code
Does anyone know if Barclaycard (previously Goldfish) have recently changed their sort code? I've just had my CC payment returned to my bank account marked as rejected and I'm wondering if something has changed within the last month. My reference number is ok so it can only be their account number or sort code. It's not…
-
Is this unfair? What should I do?
I was overjoyed to receive two letters from Barclaycard last November saying they were upping my credit limit by £2k on one card and £1k on another given that they have a good balance transfer offer I thought i could transfer the majority of my credit card balances to these cards and save a fortune in charges as well as…
-
Default payment?
I'm new to this board, so go easy with me, but I need some advise. I payed my CC last month, by cash at my designated bank on the day I was supposed to pay it, that is, the last day, but I payed it. I have since had a letter saying I am in default because the payment was not payed on time, and an extra amount of money has…
-
Offering Settlement payments?
Just wondering if anyone has any feedback from offering your credit card companies settlement payments? Successes, knockbacks? is there any detrimental effect from doing so? Are there any template letters to cover this? Cheers
-
Got 1st CC! How long to leave it for a 2nd?
As some of you maybe aware i have just gotten my Vanquis Card through and was wondering from every1 elses experience when is the best time to apply for another/next card? Bear in mind i have just moved on to contact phone and also have opened a littlewoods account and with littlewoods got a £650 limit. So how long did you…
-
Get a Credit Card in 1 Week
Hi Guys and Gals. I need to get a credit card within one week to pay for a rental car for my Holiday. Does anyone know if this is possible? Cheers
-
Completely Confused!
Hi Guys Help please!! I owe about £7500 on my HSBC credit card and I want to transfer it to a low or 0% interest card. I have not had the best credit history in the world... Until this month I had an overdraft - which I paid off at £100 a month over the last 14 months to £0 now. :A I defaulted on a loan 2 years and 11…
-
Quick question for someone with an M&S credit card please
Could I just ask please, with the M&S credit card how long from receiving the bill do you have to pay? Also can you see and print off statements online? I ask as I have a Tesco credit card that I use for work expenses. From the bill being produced to having to pay they only give 2 weeks and my company is really slow at…
-
Fighting HSBC for Section 75 Refund from XL Leisure collapse from last year.... STIL!
Hello to all. I wonder if anyone can point me in the right direction here as I have had serious issues trying to claim money back for a package holiday I booked with Freedom Direct Last year in August 08. In August, my partner and I booked a package holiday (holiday, transport and flights) to Egypt through Freedom Direct…
-
Egg - failing to collect my direct debit
Sorry if this is OT for this forum, but I couldn't see a more appropriate place. I was contacted by Egg with a letter stating that they had failed to collect a direct debit from my account and that they would try again in 10 days time. The account in question had plenty of funds in it and the direct debit showed as still…
-
interest takes me over credit limit
I checked my available credit online then made a purchase which brought me just below my credit limit, then at the end of the month when the interest was applied this took the total to just over my limit and have been charged £12 . Can they do this? tell me I have so much money to spend then penalise me because of interest…
-
How do they get away with it
I needed a new gas boiler and borrowed £2,600 off my credit car (cash) which has a higher interest rate and mentioned that I would be paying this off in Feb/March this year. When I came to pay it back I was told they could not divide the balance between purchases and cash for me to pay the cash loan back. So I paid the…
-
Finiancial trouble agreement MBNA trouble
Hi, I am new here, so I apologise if this has been covered before. I have fallen into financial difficulty and have visited the CAB to create a common financial statement for my creditors. I am still waiting on responses from them all (although so far UK based ones have responded favourably). However, MBNA have advised…
-
help
hi im new on this site read about it in w/o, need some help - we owe £41.000 in debt --credit card loans etc ,we are not in arrears as yet but struggling , thought about an iva but not sure what to do hubbie just says we will manage (head in sand) as he has never defaulted in his 63 years hes a proud man , but i feel we…
-
Egg Money has anyone ever been charged a 3% cash advance fee for gambling ?
Egg Money has anyone ever been charged a 3% cash advance fee for gambling ?
-
cashback card or babee card / tesco card etc
what would be the best one.mainly shop at asda and need it for petrol also I have an asda credit card(G E) but they have just reduced pay out vouchers and when I order from other internet or abroad, they keep freezing it until I phone them up to confirm it was me.any thought thanks
-
Struggling to cancel a CPA on credit card??
I have been reading threads on here for a while. One subject that stands out is people not being able to get companies to cancel there subscriptions. If you have a credit card then you can use the chargeback/dispute process to help. Whether you have Visa, Mastercard or Amex the following works. 1. get email/postal address…
