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Debt Management Companies
I have been in contact with a debt management company that charge 15% of the monthly payment you make. At the moment I pay various CC companies £385 a month - this would mean I would pay the debt management company around £58 per month. This would mean £327 would be paying off my debt. I realise this will give me a bad…
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What to do?
Hi, I have a number of credit cards listed below and not sure which to close etc. With companies seemingly cracking down on credit I want to try and make sure I am not affected by this so any advice would be much appreciated!! Me (employed 30 hrs per month currently, dropping down to 20 hrs from next month on return from…
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Problem with Halifax One Credit Card
Hi, all. Hope I am posting in the right place... I am having quite an experience with my Halifax One Credit Card at the moment. :mad: My Special Offer Period ended this March and I paid back the full closing balance before the due date. Fast forward two months, and today I've received a post from Halifax saying that I have…
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Help with complaint to Argos Card services!
Hi all. I just wanted to know if it's worth putting a letter together regarding these cheeky useless lot at Argos. I changed my bank in late Feb from Natwest to Barclays, on the 25th of Feb i received a letter from Barclays asking me if i wanted my direct debit mandates from my old account transferred to my new Barclays…
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Debenham credit card limits
How frequently do Debenhams increase the limits on their credit cards?
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Balance Transfer & Future Spending
Currently have a £400 balance on my Halifax credit card. The interest free period has just ended, so am thinking of switching to the M&S card which is 0% on balance transfers for 6 months and 0% on purchases for 10 months. If I balance transfer the £400, I will still get the benefit of 0% on any future purchases on the M&S…
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Credit card issues - Not Sure of Next Step!
Hi All, Truth time! (Maybe this will scare me into sorting out my situation once and for all!!) I currently have around £12,500 worth of debt on credit cards and overdrafts, which I accumulated over 4 years at Uni (parents could not afford to help out so I had to find money from somewhere!). I was paying ridiculous amounts…
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Repaying a Credit Card Debt
I realise i've been foolish but am now trying to sort it out but I'm told by Allied International that i have to pay it in full by the end of the month!!! The details are that i have been away travelling and last made a payment on my Natwest Credit Card in March 2008. I called Natwest today to try and sort it out but was…
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Stolen Credit Cards
My husband and I have had two sets of credit cards go missing and we wouldn't have known if my card hadn't been refused at Tesco. Here's the story. Card gets refused at Tesco so I tell my hubby to phone the credit card company as he is the account holder. It turns out that they have cancelled our Lloyds Gold cards and…
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Got job, set up direct debits, feel better!
hi everybody I recently got myself a new job which i started beginning of this month after 3 months out of work so very pleased, getting paid next month so very happy after having to live off a months wages for 3 months including bills. Just set up a direct debit payment on my credit card for twice as much as the minimum…
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Credit card limit
I paid the deposit (£204) for a holiday on my Asda Mastercard. The card has a spend limit of £1000. If the holiday firm went bust, would the whole cost of my holiday (£2200) be covered, even though it's above the credit limit?
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Letter to Virgin
[FONT="]with regards to my previous post on my Virgin credit card[/FONT] [FONT="]http://forums.moneysavingexpert.com/showthread.html?t=1661901[/FONT] [FONT="]I've come up with this letter to Virgin. Is this any good? [/FONT] [FONT="] [/FONT] [FONT="] [/FONT] [FONT="]To whom this may concern,[/FONT]…
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ticket refund?
Hello, On friday i bought two tickets to see Ricky Gervais in Nov via the ticket factory. When i got the confirmation email the seats showing were different (and much worse) to the ones i agreed to buy. I phoned customer service and they said they cant do anything about it. I paid using my debit card as its a Visa and is…
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Feeling stupid
Hello, I hope I am in the right section. I'm 17 (18 in 7months) and a few months ago i applied for a store card and a mobile phone contract. I was accepted on both and now I am really worried about getting caught. I have about 10months left on the mobile contract and I do not owe much on my store card. I can definately pay…
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Barclaycard Goldish £30 Offer - Question...
I have got the Goldfish card come through the post. Need to spend £100 on it each month for 3/4 months... I was wondering, could I just sign up to Paypal, transfer the £100 to my bank account, and then transer it back to the credit card?
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County court judgement-please help
a county court judgement has been entered against me for a credit card debit of £5,000!!!! and the judgement says it has to be paid in full -we are in a right mess!! from what I can gather i need an N245 form - will they accept monthly payments for it - i really dont know what to do.
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Post Office Credit Card
Does anyone know if this card can be managed online. ie NO statements sent out in post. Im looking to transfer From barckaycard because they still need to send statemnts out accourding to them its the law. Thanks in advance Golfer
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disgusted with Halifax
Do not know if this has been raised before and if so am sorry to raise it again. Have got a halifax credit card with cash back. Had 3817 points on it which I make £38.17. only got £35. so was surprised when received new statement that the £3.17 was not carried forward. Phoned them to be told that only 500 points are…
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Homebase misleading invoice
I bought a sofa and some bits last year from Homebase and decided to take them up on their 6 months interest free 'buy now pay later' incentive. I've received monthly invoices saying what I owe, and a highlighted box saying 'your minimum payment is £0.00 / your payment is due by dd/mm/yy', so I never paid anything.…
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Postal address for Bank of Scotland Card Services?
I can't find it on the HBOS website. Anyone know where to send a letter to them?
