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Credit card/electoral roll help.
Hi. I have applied for a credit card, but was turned down. I have a membership with Credit Expert, and my score is 956, which is pretty good. I am not on the electoral roll though, so is that the reason why? I have sent the form off 6 or 7 weeks ago to get on the electoral roll-does anyone know how long till that filters…
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Card Fraud Wanring - CHATHAM
Used your Plastic Cards recently at the SHELL Garage, Blue Bell Hill? Story Click here. If so, check your statements and keep an eye on them. Consider playing it safe and getting yourself Chip & Signature Credit Cards.
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Available credit & credit score
Hi At the moment I have a credit card with £15,000 limit on it. My family are telling me that I should get this limit reduced because it it far to high and that if someone should get hold of my details they could run up some serious debt. To be honest I can see their point as I have never been anywhere near the limit and…
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why is my virgin account suspended?
Only half my limit used and never missed a payment so why have they suspended my account? Had 4 transactions at 2 garden centres over weekend but surely they wouldn't regard that as unusual on a bank holiday weekend????? Hardly going to be Russian gangsters is it???? Glad i checked my account online and didn't have the…
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balance transfer
my son is in australia for a year and he has been using a credit card i want to know if i can do a balance transfer from his account to a new card in my name so i can help him so that he does not incur charges can i do this:A
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New here - NEED HELP!
I purchased something off a website - 4allclients(dot)co(dot)uk (the site is actually "set-up" in Holland but it looks like the have a distributor in England). I checked the site out before hand and it all looked ok and legit. Plus whilst I was paying it came up with the Abbey Card check window where you need to enter your…
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Capital One - overlimit by £3.00 will i get charged?
I have gone £3.00 over my credit limit with Capital One as of today, I have paid £5.00 using their online payment service with my debit card. Will i get £12 over limit charged slapped on?:mad:
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Credit Card Fraud on Holiday
I've just got back from my holiday in Bangkok, the holiday was great but while I was there I went to get some suits made at a Tailors. The first card (an Alliance and Leicester Visa Debit card) that I tried to pay with was 'declined' (according to them) and I ended up paying with another (my Halifax Mastercard). Now, I've…
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First time credit card
My wife was originally from Ukraine, but is now a British citizen. Before becoming a citizen, she was unable to open a bank account and therefore had no chance of applying for any sort of credit. She has now had an account with Barclays for about 15 months, has a regular monthly income from her job at a local college and…
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Halifax Won't Negotiate
Hi all, thanks for reading this. I have a Halifax CC account. When my circumstances changed over a year ago I reached payment plans with all of my creditors bar the Halifax. They keep replying with a stock letter telling me that I need to supply my financial data via a third party debt management agency. That seemed a…
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Credit Card Details - Data Protection
I guess this may be stretching the topic boundaries of this forum, but I wasn't sure where to go with this question. I was recently sent an email which containbed the following warning, and was told it was from a very reputable source (in the Police force). If this is the case, is this not a breach of the Data Protection…
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Virgin Atlantic Customers Watch Out!
So my 0% deal runs out on 22nd April. Today I received a letter saying they are firing up my interest to 26.9% :rolleyes: Thank god I've BT'd the balance to another card.
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new credit
Hi all i have just checked my credit report and am over the moon to see i am now only using 100% of my available credit (it was 105% two months ago) however i have 14 searches 7 of which are me looking at my report. Several defaults and two accounts in arrears. Six months behind with the Mortgage bit that was from last…
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Do I cancel my cards?
Just paid off all my credit cards..Do I close them all or keep them open for better chance of getting a mortgage? Got more credit cards with zero balance means GOOD or BAD?:confused:
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Perfect credit rating, but denied credit cards
Hello, I have never ever had a credit card because I have never needed one. I have never missed a payment on my mortgage and I have never taken out a loan, basically I have never been in debt with money (except for the mortgage). I even paid off 80% of my mortgage last year. I am recently separated and have had to take out…
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Blair Oliver and Scott hassle
Hi there find the site very interesting and helpful good reads sometimes. i was wondering if someone would kindly give me some advice to my credit card debt. it is around £900 and has been passed onto blair oliver and scott, i was paying the money through a plan with no problems then i was made redundant with a very poor…
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Newly redundant can I still "tart"?
Hi, hoping for some much needed advise please? I have just been made redundant :mad: and stressed to the max as I'm sure you'll appreciate! I have "tarted" on credit cards for some years now and it has helped enormously in bringing down my debt. :T Unfortunately bad timing in that my current credit card deal ends 1st May.…
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How long do banks keep hassling you for before they giveup???
I got out 2 Halifax creditcards last year around January and then June time, with a total of about £8,000. The short story is that i wasnt able to pay it off as i needed my income to live on, especially with how crap the financial help for under 25s is compared to over 25s. And so i sent them some of those template letters…
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purchase cover with a credit card where do i stand?
Hi and thanks for taking the time to read this post....I would appreciate any advise or help! I recently bought a 2nd hand motorbike from a dealer in bradford useing a mastercard. a week after i had it everything started to go wrong with the bike,now it has given up totally. i have constantly rang the manager to discuss…
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Apparent credit card debt I new nothing about
Hi All, I recently recieved a letter from a credit card collection agency about an aparent debt of over £800. This aparent debt was with a Sainsbury's card which was paid off and closed in 2004 via a free balance transfer to an HSBC card which I have recently closed down. It seams that the only possible reason for this is…
