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Halifax Offers
On Halifax online banking, when you click 'offers for you' and it comes up with relevant offers, does this mean you've been pre-approved or is it purely a sales ploy to get you to apply for something that gives you the exact same chances of Joe Bloggs down the road (no preapproval etc)? Any knowledge from other posters…
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Teleworld - Section 75/Chargeback
Hi, A few of us have had problems with a company called Teleworld, details in this link. http://forums.moneysavingexpert.com/showthread.html?t=1325127 Thing is as I bought on my credit card, but they used Worldpay to take the payments, will I still be able to make a claim? I have phoned Virgin Money and they are sending me…
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On the Electoral Roll at Sixteen
I did not know until today that you can be on the Electoral Roll when you reach sixteen. You cannot actually vote until you are 18. Further information is available at www.aboutmyvote.co.uk
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Tesco credit cards
I've only ever been the victim of credit card fraud once and that was on a brand new Tesco credit card, I hadn't even used it and someone managed to put through a number of transactions before fraud called me and stopped the card. That was a few years back. The Tesco card stays at home now and is only ever used in a few…
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Barclays CreditBuilder - Advice
Hi Can anyone advise if this product is still available? Currently trying to rebuild credit rating Discharged from bankruptcy 2005 i understand you have to apply in branch Have not seen it mentioned on threads when vanquis, initial and aqua are being talked about so not sure if its still available What's the success rate…
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Visa Electron: Why Not Accepted?
What is the reason why some companies/organisations will not accept the Visa Electron debit card? Since sorting out my financial difficulties I have a basic bank account with the Co-op and this is the card they supply. Only this week I tried to take out a subscription to 'Which' magazine using my Visa Electron card via the…
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credit card fraud pls advise
hi all, just a quickie. at beg of feb this year my hubby recieved a call from aqua fraud dept due to transactions on his card they had blocked that day. these transactions were infact fraud on the card and he had no idea of them until aqua rang. he hadnt used his card since oct 08. after answering loads of questions about…
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Struggling to get credit? Want an ITV1 makeover?
Are you struggling to get credit at the moment despit having no problems in the past? Do you want to go on TV and get help from ITV1's Tonight show? If you are in this frustrating situation and want to know how to improve your credit rating, and are willing to discuss this issue on TV, then our friends at Tonight would…
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New to credit cards - need some help please!
Hey there, This summer I'm going travelling in the U.S. and have already sorted out a prepaid card to be able to use across the pond. I got the FairFX card (as recommended by this site!) but want to get a credit card too, so if I run out of money then I have some spending available. Firstly, I realise it's probably not…
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Capital One Help
Hi. Over the past few months, I have been getting calls at my work phone from an 0800 number. Quite often (90% of the time) when I answered, they just hung up. On occasion they asked to speak to Mr X (I am female). Mr X has a very similar direct dial to me so I offered to transfer the caller. They wouldn't say who was…
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Virgin Credit Card - Be careful
A couple of things to be aware of if you obtain a Virgin Credit card offering 0% interest for 15 months. I moved my balance to a Virgin credit card to take advantage of the 0% interest for 15 months. Originally I opted for payment protection, then thought it was a waste of money as I wasnt going to use the card just pay…
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MBNA slammed by Judge !
'It's a blatant trap': Fraud trial judge slams 'irresponsible' MBNA for sending credit cheques to man on benefits OK the defendant was wrong to cash the cheques but good to see a Judge rollicking MBNA for putting temptation in someones way . shammy
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being a card holder on partners card
Hi im new on this board Just wondered if anyone can tell me if my parner has a credit card and has me as an additional card holder, would that affect their credit rating? Thanks in advance
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Rolling Interest
Having been in the fortunate position to pay off my Credit Card (American Express ) leaving a big zero or so I thought. The following month (April) I received a letter claiming I owed them, AMEX £15.89p, as you can imagine I was incensed that having paid the full amount off that was it. NO ! according to the AMEX employee,…
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returned dd to take credit card payment
Hello, Please can anyone advise? I am having financial difficulties... I wrote to my credit card company (lloydstsb) telling them I had recently lost my job ... the rest is below:- " I regret that I am unable to maintain my current monthly payments because I have recently lost my job. I am writing to all my creditors…
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Balance Transfer - why has it not cleared?
I made a balance transfer last week which I was informed would take 7-10 days to clear. I transferred it into an MBNA account and this amount is now showing in this account. However, the amount is still also showing on the Mint card I transferred the amount from, nearly £2,000. It has been 2 days since it has cleared but…
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Please help me, I'm so paniced!
I am in so much debt its unreal, I've been hiding from it for months. I have credit cards that I stopped making payments on. I have a loan I have stopped making payments on. I have an overdraft in a bank I have abandoned. This bank charged me so much and I have appealed and appealed for my charges back because almost drove…
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Do I actually owe any money?
Hello here is a question and it relates to the Government baling out banks and financial institutions with (my) taxpayers money. The RBS claims that I owe them £9500 GBP due to my husband declaring bankruptcy back in 2006 due to ill health. As a joint holder of the account the bank now asks me to repay them, which i start…
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Stick or try to move??
Today had a random letter from Barclaycard saying they've upped my credit limit to 4000. I don't use my card anymore (its in teeny tiny bits!) so am not worried about spending anything on it, BUT as i've only in the last 2 months managed to get under my credit limit (I've always paid much more than the minimal amount but…
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Newbie here! Can any help me understand about 'legally cancelling credit card debt'
I have come across an offer of a way of legally cancelling credit card debt using an article of novation and basically disputing the legality of the actual agreement. From what I can make out its because the c/c companies give your agreement a value so they are just exchanging your agreement for credit into your account.…
