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Strange goings on on credit file
Checked my Equifax 9th and 11th May (wanted to check on searches mainly) and default was showing from Marbles. Checked today and the file was updated today with the default off but the history replaced with a '5' and saying my account is in arrears but yet under the credit limit and also with direct debit set up to start…
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Payment holiday
Hi all, Am going to be changing jobs next week. Very excited as, whilst the new job is the same initial money as I am now, it is much better prospects. The down side is that when leaving my old job I have unpaid annual leave, and a training course to pay back. The upshot is that my final pay packet will be a fraction of…
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credit card payment 4 months later?!?!
Hi, My credit card account has just applied a debit (tesco) from a transaction that took place 4 months ago. does anybody know, whether credit card companies have a fixed period of time to impose their payments?
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Warning re replacement cards & advice pls
Hi All I have a Lloyd TSB duo card(s), a linked mastercard & amex card. I have a direct debit to pay off the balance each month - fine, been working for months. I misplaced one of my cards recently, called their call centre and requested new cards - no problems, originals were cancelled, new ones issued (with different…
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have I blundered? late CC payment.
hi guys, at Christmas I tranfered my CC balance from my MBNA Mastercard to a Natwest CC in order to get their 0% transfer deal. i've just gone online to pay the Natest CC and i've got my dates mixed up. i thought it was due on the 17th but its the 11th. :mad: i've been charged £12 which i'm gutted about but its my blunder…
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Should i go for it?
Hi everyone :) Right here goes, Ive got a credit card with my bank that has about £500 owing and they sent me a letter with some balance transfer cheque things in saying i could trensfer a balance to them and it will be 0% interest till nov 2009 and then only my 14.9% after that so i was thinking would it be worth my while…
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what happens now??????????
ignore tia
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appealing a declined c/c application
hi ladies and gents. i was just wondering is it even worth appealing a declined credit card application, and how do you go about it? will they credit check you again? has anyone been successful in doing it? any advice much appreciated
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back statement costs
Hi Dont know if anyone can help but I need to get my back statements from my credit card company but the want me to pay £5 a copy can they charge me this much? if not what is the max they can charge I dont want to make myself look like a idiot when I contact them Thanks in advance
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Egg CC agreement 2001 -Enforecable?
Hi, can anyone offer advice please or point me to another relevant forum. I am having a big argument about PPI with egg and requested and received my CC agreement from them, signed 21/7/2001. The thing is, it looks like it could be unenforceable i.e. No actual Credit Limit shown only the words "we will tell you from time…
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Buying on 0% card to pay off mortgage
Is this a good idea? I'm not talking about a super balance transfer (which would incur a 3% or so fee) but just purchasing on the CC and using the extra money in your bank account to overpay the mortgage? So effectively borrowing at 0% and paying off around 5% interest rate. I guess the problem comes when the offer ends…
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HSBC Credit Card 'missing in action'
Hi I've just been looking at my Experian and Equifax files. My HBBC mastercard doesn't appear on either. Is that strange. All my other accounts are there just not this one. Should I be worried (or grateful;)) Thanks Rammy
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Who uses who? CRA...
Hi there - I remeber seeing a thread with updated listings of who used who with regards to banks and credit reference agencies....however I cant find it... I understand this link is outdated? moneysavingexpert.com/cards/credit-reference Can anyone point me in the direction of the said thread...? Thanks
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American Express Cachback - how do i get it?
Hi, I've been using my Am Ex card for a year now and have built up a hefty lot of cashback according to the statement....but how do i go about getting hold of the money????
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Mint Card help
Hi this in on behalf of my mother in law. she ran up a hig mint cc bill and was unable to make the full minmum payment so was very silly and just didnt pay. it got passed to a debt agent who she then set up an arrangement with them to pay a minimul amount and she has been making these paymetn on time. today she recieved a…
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Barclaycard - complete joke
I have been with Barclaycard as a loyal customer for 20 yrs. I have always every month paid my balance off in full, I have never once not paid the full amount owed. So today I have asked them to increase my limit from £3000 to £5k. The reason being is because I have a couple of big bills coming re holidays etc. The…
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Balance transfer assistance needed
Hi, I currently hold an AMEX blue sky card, i used the credit on this while i was moving into my new home, no i have purchased the essentials i wish to apply for a balance transfer so that i can benifit from the many 0% intrest offers around. Last month i applied for a Virgin card (18 Months 0% intrest on balance tranfer)…
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Correct address to send Barclaycard a token payment?
Hi, Please can anyone advise me on the correct postal address to send Barclaycard my token payment? I have 2 here but not sure if either are suitable? Customer service, Barclaycard House, PO Box 5592, Northampton NN4 1ZY. or Barclaycard, Dept PP, Bolton, BL11 1XX. The Bolton address says don't send any correspondence but…
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Clearing my poor Credit Record
Hello all I'm happy to say that I don't owe anything on my cards etc anymore which is great and I feel I've really done well. My questions is this. I spoke to someone recently who's advised that I can get a really clean credit file because I'm getting married. I've been advised to stop all my Electric/Gas/Mobile bills etc…
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Balance transfer
can someone just clarify for me what a balance transfer is and basically what you get charged , well if there are any hidden charges in doing as i see alot that say 3% this and 3% that. also with a balance transfer do you get charged interest for it? i know i sounds like a dumb question but this aspect of creidt cards has…
