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Disputed Credit Agreements
I am disputing the enforcability of my credit card agreement with MBNA, my understanding that whilst an agreement is in dispute lenders must stop processing your details and entering negative information on your credit file. MBNA have continued to do this despite me writing to them asking them to stop, they insist they can…
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Balance Transfers Question
Hi, Not sure what to do with this one and looking for some advice. I owed £5000 on an MBNA credit card on 0% which expires 1st May. I have an excellent credit history, have never missed any payments but work part time so am on a fairly low income. I applied for another 0% offer with the Abbey National online but didn't…
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Virgin Credit Card - impact to credit score
Hi I am thinking of going for the 0% APR deal on the Virgin Credit card. For any credit card that I've had upto now, I've always paid off the balance in full every month. I am considering making a fairly large purchase on one of the credit cards I currently hold and then transferring the balance to the Virgin Credit card…
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Priority Club Rewards Card - Quick Q
Does anyone know who this is provided by and which credit ref agency they search? Many thanks,
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Help - minimum payment calculator MBNA cards
Hi Im aware that my mbna card calculates its minimum payment differently to other cards - in my case interest + charges etc + £5 - so normal 'payment calculators' found on the internet, this site included, wont apply. Anyone know of an online calculator I can use or can tell me how to calculate payment manually (ive…
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Help please with parent's cc debt
Can anyone advise me on what to do about a problem that is driving me crazy? For the past year, since my mother went into a care home ( she has dementia), I have been trying to sort out her credit card debts. I have written to the companies involved, phoned them and faxed them, all to no avail. They say that as my mother…
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Credit Cards high Interest
Hello I hope someone can help - I'm sure I read somewhere but can't find any information now that you write to your credit card company and ask them to reduce the rate to 13% (i think that was the rate) - does anyone have any advise on this. thanks in advance rlkjs
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Barclaycard APR reduced
My credit rating isn't great so I thought I'd try reducing my APR rather than getting a balance transfer. I called barclaycard and the VERY unhelpful guy on the phone said there was nothing I could do except write to the complaints dept! I was annoyed so asked to speak to a supervisor. Someone eventually called me back and…
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Credit Card from 2001 - Now Being Chased
I received a Formal Notice letter last night from a BPO Collections demanding £847.50!! SO I called the number and the lady informed me it was for a credit card that I had in 2000/2001 and that I now had to pay it. So I asked her to send me all the documents that they have to demonstrate that I owe them this money to which…
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Chip & PIN Security goes on Trial
A trial that could prove to be a test case for the security of chip-and-PIN card technology starts today. Alain Job is suing Halifax, claiming that a fraudster withdrew £2,100 from his account at cash machines despite the fact he did not lose his card and changed his PIN as soon as he received it. The bank refused to…
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How do i continue stoozing? Help!
Could some learned elder give wisdom on the following; I have been stoozing for a while now and have about 7 credit cards with different lenders, all cards are paid off now but im running out of new companies to apply to to continue my stoozing abuse. Should I close all these accounts and just re-apply to the same…
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best cash cards to use in USA
what are the best cards to use in USA without having to pay for cash withdrawls if you need cash in a hurry. Would it be better to exchange your money here and transfer the dollars into the cash card to use in the USA:confused:
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credit card refund after freedom direct (travel agent) went into administration
Hello all, we've booked accommodation with freedom direct last march. today, we received an email from Hays Travel to say that they have taken Freedom Direct into administration. because we haven't booked a holiday package with FD, then that means we're not protected by ABTA/ATOL so we've lost the booking. HT told us that…
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Egg PPI
We've just managed to pay off the last bit of our Egg credit card but we've had PPI sitting on it since it was opened. Having now closed the card (for ever:j) and not being able to remember whether we chose PPI or whether it was something they simply added (I think it was the latter but can't prove it), is it worth trying…
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about my credit report ,can any1 help
hi every1. i m new here .hope can get some help from you .thanks i m totally new to credit card . so i applied for capital one . they turned me down . so i thought maybe i might check my credit report even i had none credit account so far . when i got my pin from experian credit expert this afternoon , i logged on first…
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Balance transfers if unemployed
Hi, I was made redundant at the end of January and have been temping pretty much since then. Unfortunatly this ends on Friday and as of yet i haven't been able to line anything else up. Anyway, my 15 month interest free Barclaycard deal comes to an end in July and i was wondering what the chances are of another company…
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MBNA Balance transfer offers?
Afternoon all, Wonder if anyone can help? I have an MBNA card with a £2500 limit, an outstanding balance of £300 which I will be clearing in the next few days, and would like to transfer £1500 onto once it's clear. My interest rate is 34.9% (ouch!) and I rang to see if they had any offers running (previously had 4.9% for 9…
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Sanity cheque - paid off in full but still charged
Hi, I paid off a long standing debt from my Barclaycard last month - statement appeared today saying that yes, the balance was paid in full [and on time] but they have charged me: £1.25 - Interest on my cash balance 2.075% £11.64 - Interest on my standard balance 1.527% Is this right - if so, if I pay the balance again,…
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Credit card rate hike...
My mother who is in her late 80s has several thousand pounds outstanding on her HBOS credit card which is near it's max. She has just had a letter saying that from June 1st the rate will rise by 9% to 30% apr. That would put her minimum payment to a level she simply cannot afford. She has been told that she can cancel her…
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HSBC Credit Card - should I close and open again for bal tfr deal?
I have just paid off my HSBC card by transferring the balance to Halifax and Barclaycard. In Sept I have the Virgin card maturing (top tip with MBNA make overpayments I was told to increase chances of acceptance in the future on their othercards) Anyway, has anyone managed to renegotiate a bal tfr deal with HSBC on their…
