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Does anyone know
Having paid off my Capital One arrears, they are now deciding if they can reinstate my account. Has anyone ever experienced this? What sorts of conditions do they attach to it? I wasn't going to bother with it but they gave me the speech about helping to rebuild my credit rating etc.
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Can my credit card company take money from my account??
I bank with lloyds tsb and also have a loan and credit card with them. I have come to an agreement with them for a reduced monthly repayment plan on both these as my husband lost his job. We have just won a case through the Financial Ombudsman who managed to get us a refund on a previous loan with Lloyds for the mis…
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Nationwide CC question
I have recently applied for a nationwide cc and it says in my application file awaiting ID/SIGNATURE. Has anyone else had this message before? did you get accepted or rejected?? many thanks Amy (I have not supplied my ID or signature as I have not recieved an email or letter telling me how they would like me to to this)
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Notice of Disassociation
Hi, Hope this is the right section to post this, it didn't seem to fit in anywhere really. I recently obtained my credit report from Equifax and found that in the electoral role my dad was listed there as well, along with two of his accounts in the main report; his main bank account which was opened before I was even born…
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Balance transfer error
I recently opened a new credit card account with Virgin but in error arranged two balance transfers to my GE Money credit card which resulted in this card having a £2229 credit balance! Virgin told me to get GE money to transfer this money to my bank account so that i could repay them and they would remove one of my…
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Citi group indian call centre
I cannot get any sense out of the call centre, the only thing he keeps saying is that my bank has declined the payment (i think thats what he is saying because his english is quite poor). Now considering i paid another card just before and another just after i think they are the problem,does anybody know if they have a UK…
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New Credit Card
I would like to take out a credit card. I am a student and make a lot of online purchases, through my debit card. I usually spend about £50 a week, on online purchases. I have been advised it is safer to have a card as it is not linked to my student account, and also more safer under the section 75 consumer act (I have…
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VISA cross-border fees
To read in full, for those that do not check BBC News religiously, please click here
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Have Marbles taken over Halifax CC?
I was looking at my on-line banking today and in the list of payees which I have set up for paying CCs etc. was one for "Marbles", which I have never heard of before. I thought it was some scam, that someone had got into my account and set up a payee to pinch my money.:eek: After checking the reference number I realised…
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Help / Advice / Anything??
HI... Ive just got in from work to find my mum on the phone to someone, reading her credit card details out to them... Now she is saying that they are the credit cards "security team", however it doesnt seme very secure to me to ask someone to ring back and give all of their card details over the phone.... Its a debenhams…
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Advice Needed Please - Incorrect Billing Address?
Hi, I'm not sure if I'm posting this in the correct place, sorry I have just placed an order as ASOS.com, but immediately noticed I had used the wrong billing and delivery address. I email them straight away asking them to change this, but they couldn't. Then I asked for the order to be cancled, but this wasn't possible…
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£16k debt and dont know were to start!!
Hello, i have £16k on credit cards that i carried over from a business i shut 2 years ago. These cards are in my name and not the previous company name. The minimum payments on these cards are now getting far to much for me to cope with as my new self employed income is only a fraction of what it used to be. The worry is…
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Homebase Interest Free card
Hi everyone got a problem here - hope someone has got some advice! Just over a year ago I took out a "buy now pay later" agreement with Homebase. To do this I had ot get a Spend & Save card, but I thought "yeah why not put it off a bit?" and signed up without really reading the T&Cs. I planned all along to pay off the…
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MBNA (surprise!) Question
I just wondered if anyone else has this problem. Got a MBNA Virgin with a 0% BT that ends in May and a MBNA Football Club with a 0% that ends in September and had limits of £4.5K & £5.5K respectively. Had both cards for a while, never had a missed or late payment and had only taken up just over 50% of credit limits. About…
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Longest time you have had an amount on 0%?
I have recently got a 0% BT and have set a diary reminder to look up a new provider near the end of this card so I can try and take advantage of a further 0% BT. What I was wondering is what is the longest chain/period a forum user has taken advantage of by being a card tart? Theoretically, if I continue to get new cards…
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Any existing MBNA customers been offered 0% BT recently
I have 3 MBNA Cards which I have had for nearly 12 years now. Gradually they have been reining my credit limits which are now £15,000, £12,400 and, £9600. All 3 card were about 16.9% APR but have jumped to 34.9% over the last few months. The last one to increase had some balance on it so I tooked the offered option to…
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First time credit card
Hi Everyone, I'm looking into getting my first credit card and I was wondering which would be best to start with and what banks and types cards am I likely to be accepted for? I have looked at many card on the internet and I meet most of the requirement for all of them. Eg over 21, over the required salary, lived at my…
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Advice needed
I have an outstanding credit card balance of around £700 and my 0% interest period is coming to an end next month. I currently have around £1100 in savings that's earning hardly anything in interest. I'm tempted to use my savings to pay off the outstanding credit card balance instead of trying to find another 0% balance…
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Credit card fraud - advice please
Hi, I have recently had a large amount fraudulently charged to my Barclaycard, which I am disputing. Barclaycard / Royal Mail are taking their time in getting the dispute forms to me and in the meantime the transaction has made its way onto my monthly statement (payable in about 3 weeks with a holiday period in the way, so…
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Advice needed on miss sold credit card
In 2006 as a student I went into my HSBC branch and asked about extending my overdraft, I was advised this would not be possible but that they were running a 0% deal on credit cards at that point and I could apply for that. So I did. I sat and signed the forms and was told that the deal was all at 0%, something which I…
