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Credit card to buy a car or pay off a loan?
Hi - we need to get another car and I have found one for around £4000, unfortunately apart from a £200 deposit the rest will have to be funded another way. Originally we had gone to our bank for a loan which we had no problem getting approved and were offered around £6000 at a rate of about 12% APR, (we had gone in saying…
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Tesco club c/c 0% 12 month purchase, can i use to clear a Hitachi Fincance debt?
Hi everyone, We bought a kitchen a year ago, £4800, which was pay nothing for a year, now its time to pay and they have wacked on £800 interest and want to start taking £150 a month each month. It is in my Fathers name, who is now unwell and unable to work. We were not offered any kind of PPI at the time, this was May last…
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Need advice concerning payment plan w
At the end of last month, I wrote to Capital One with a view to setting up a payment plan to clear off my credit card and included a seperate financial breakdown of my incomings and outgoings down to the last penny and I have already paid £20 to stop my account from defaulting. A few days ago, I received a letter dated the…
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Poor credit rating and I need a 0% credit card!
I have poor credit rating but desperately need a 0% or low % credit card as we have 3 credit cards and apying alot of intrest on them. We are finding it difficult to keep up with the monthly payments. Any advice would be mostly appreciated! Thanks
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Negotiatiing payments - capital one
I have been put on short time from 40hrs a week to 20 , thus cutting my salary down to about £500 a month. I have contacted people I owe money to to try and get some lower monthly payments . The only people it seems that have a problem with this is Capital One. The say they will only accept £100 as the lowest payment as…
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Continuing to pay off a credit card after balance transfer
Apologies if this has been discussed before but any help would be much appreciated. I transfered my balance from one credit card (M&S) to another (Egg) about 12 months ago now, however after studying my bank statement last night (why don't I do this more often?) it appears I'm still paying £5 to M&S every month, depite the…
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Paying for an operation
Hello im a newbie on here...and Im one of these people who really doesnt know much aboutcredit cards, having never had one. I am going to have an operation and wish to pay to go privately, would it be best to get a loan from my bank, or use a credit card?
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Halifax Online Banking Credit Card Offer
Do you think I am approved now??????
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AMEX cashback
Has anyone else's cashback balance disappeared off their statment page online? I know the balance was on there last weekend but I've just looked this morning and it's now showing as £0 and it hasn't been paid off my balance. Thanks.
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Persons Unknown...Part 3 HSBC again.....!!!
Hi Following my posts on 07/05/09 regarding Barclaycard and 12/05/09 regarding HSBC. Up until a few weeks ago we were dealing with the "Service Improvement Team" at HSBC. We originally called and were put through to a Jeanette Frinton who took the details of our fraud and looked into them. A couple of weeks later we were…
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Credit Limit Question
Hi Guys, Apologies if this has been covered before, I couldn't seem to find exactly the info I was after. I have about £2000 worth of debt on a number of credit cards, all of which are collectively costing me a fortune. What i'd love to be able to do is to balance transfer the lot onto just one card giving me the chance to…
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Company keeps charging my credit card!
Please help! I ordered something from a Co way back last year by credit card over the internet. I have had an unauthorised transaction appear in January and now again in May. Its for the same amount I orignally paid when I ordered the item. When I contacted the credit card Co in January, they weren't really bothered and…
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Taken loan to pay of credit cards
Hi,have been paying out about £400 a month on credit cards and about £370 of it is interest. have three cards and also have an existing business loan to pay off. Have borrowed £23000 at a reasonable rate(8.9%) and this will just about pay off these debts. Have contacted Virgin to see if they would accept less than the…
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Egg Card Payment Date
Hi all, Have just got myself an Egg Card with 0% balance transfer. I have transferred a balance of £3000 and hope to pay it off at £330 a month. I have just noticed when I checked my account online that my payment date is the 28th of the month, which is also the day i get paid (I have set up a direct debit to make payments…
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MBNA and the retired part 2
My relative got a card today from RMA stating that they will be calling on Friday between 8am and 9pm. I told my relative not to worry but he was scared that someone would call round. So I rung RMA about it and they laughed at me, I asked why someone would be calling round and they said it was not calling round it was…
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In the United States
I've just discovered this site and it's totally amazing - a wealth of information. I am particularly interested in the Credit Card Fees stories and bank fee 'reform'. This has been a HUGE thorn in my side for a long time - it infuriates me to see hard working people go bust from these VERY unfair fees. :mad: But I'm in the…
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Money Transfer to Mexico Help.....
Hello Everyone.. I want to transfer some funds to Mexico. So could anyone please let me know the best way/fast way to transfer funds...Please don't suggest me to go with PAYPAL or WESTERNUNION. I tried to use these services but I have nothing to do with them as they doesn't fit to my situation.. Please let me know if…
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Rejection for a card I didn't apply for
Today I received a rejection letter from Sainsbury's Bank for a card I did not apply for. Has this happened to anybody else? They gave me their fraud number to call. But, why would someone steal my details and apply with my address? Doesn't seem like a very smart thing for a crook to do.
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Cash Intrest charged on £0 balance on capital 1 credit card
i wonder if somebody could help me please im at my witts end!! as of febuary this year i had a balance of £158.29 on my account which my wife cleared using her hsbc debit card. on the 13th of march capital 1 charged me a cash intrest of £1.10. because the balance had been paid off i never looked at my account until i saw 2…
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need some help please re credit card debt
hi. bit of a long story but here goes! i moved to spain 4 years ago and i had a credit card debt of approx £14k with mbna. for the first 6 months i kept in contact with them and paid my balance each month but then i lost my job, i spoke to one of their people who said that i could pay about £90 a month instead of £400 but…
