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visa guareentee - trains
Hi, quick question on the visa guarentee.... If i book a train ticket, yet there is a replacement bus service on the day (which has happened), if i have bought them on a visa credit card, is there anything i could do under the goods not being as described, or something like that. Any info, thanks
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Lowell Company & capital one?
Hi all, today I recieved a letter from Lowell company saying i owe them a debt from a capital one credit card. It states in the letter that the debt itself was sold to Lowell in July'06. I remember years ago taking out the credit card, but was sure i had paid the debt off. At the time I had moved about alot, so had no…
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Barclaycard changed me payment date!!
Just recieved my credit card bill and noticed a £12 charge for exceeding my limit which is unusual as i only use the card for petrol. I have a Direct Debit set up to repay in full every month so my initial thought was someone has be using my card as i haven't spent £500 on petrol this month! After a bit of digging i have…
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Jjb mastercard
i applied for a loan yers... at LLYODS TSB and was declined and then i did apply for a FLYBE credit card and when i clicked the apply button and then it said they is a problem with their site, and i tried the JJB MASTERCARD and they said they will review my application and they will write to me within 7 days.I checked my…
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To transfer or not to transfer?
Hi everyone I am on an income of £15K per year and have a few credit cards, have had more in the past and never missed a payment. I have currently got an Abbey Zero which I got to transfer an outstanding balance onto (a 0% offer from HSBC was ending). However, they only gave me a credit limit of £1K and only allowed me to…
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tesco bonus credit card
hi people i have an outstanding balance 2170.90 and the minimum repayment is 65.00 the 0% on balance is 14 months- i have had the card since january- how can i reduce the repayment? i have been a bit naughty as i have made a few purchases and i would like to make another purchase before i switch as the 0% on purchases runs…
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paypal and prepaid cards
does anyone know which prepaid credit cards are accepted by paypal? i know from a friend that tried to do this that hers didnt work. what-prepaid-card.co.uk says they are accepted. any help here would be greatly appreciated as i dont want waste money buying a card that doesnt work. thanks
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Capital One and Link Financial Default notice
I have an ongoing issue with Capital One. They have put a default notice on my file even though they were informed that I hadnt personally used the card. Immediately i was informed of the purchases 3 years ago they were informed and promised to investigate. I completed numerous forms. I hadnt heard anything from them for…
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Selling my flat, should I tell my creditors?
I've decided to sell my flat to pay off all my debts. £30,000's worth! Should I tell them, so that they give me some extra time and not harrass me so much because of unpaid monthly bills? Thanks everyone Fluff
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Abbey Zero
I have just applied for the Abbey Zero CC which offers no fees for cash withdrawals and purchases. However, i have noticed you get this 27.9% interest on cash withdrawals even if paid of in full. I don't get this, so could someone explain please. I will be spending £500 at end of the month in Malta and then paying it off…
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Spending on Credit Cards
I just recently got my first credit card with a limit of 800.00. I rarely going to use it though. Is there a certain amount I should spend on it each month to keep the card active? Thanks R
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Cashback for Equfax Report - Problem
Hi folks, I tried to sign up via Top Cashback today as suggested in this weeks newsletter from Martin. Should get cash for viewing your credit file. However, becuase I've registered (then cancelled) with Equifax in the past they just keeps recognising me as a previous purchaser (even though I cancelled previous free trial…
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Is MBNA within its rights to ask me to do this ?
I was on an interest free repayment plan of £60 pcm with MBNA after falling behind with my credit card repayments. The total owed was around £3600. Last December I changed all my d/d,s and s/o,s from my old Halifax Cardcash a/c to my new updated Halifax Ultimate Reward a/c. During this changeover my December repayment to…
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Failed a credit check for a card can anyone help - details in here
I applied for an Abbey card today, which I was told I had a good chance of getting as I already have and MBNA card, only thing is that when they did the whole process of checking my rating I failed and didn't get the card... can anyone help me understand it all. About 6 months ago I discovered that I had got a CCJ from an…
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Help, am I being targeted?
I'm in the 1st month of setting up my own photography business and on Monday received a telephone call by someone claiming to be from 'the Chamber of Commerce' requesting to know the name of the company owner. I didn't tell him as I smelt something a little fishy and asked why he needed to know? The chap on the phone…
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Account details
I had a credit card account with MBNA that was passed to a debt collection agency and i have just finished paying it off after nearly 8 yrs. Unfortunately i don't have my credit card statements for that account or any record of them. How would i get that information?
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Best Mastercard/Visa rewards with good customer service?
Hi All, I've just started a little moneysaving such as budgeting and getting the right bank accounts/plastic. I spend quite a lot of money each month and am looking for the best way to recover some of the spend. Most of it can be done with my lurverly new Amex but what's the next best thing for those murchants who choose…
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So, just how do I go about earning a "good" credit rating?
Hey all, So I've been looking through the articles and threads here and there's some really great stuff. However, one area that seems a little neglected is "what to do if you're new to the whole credit thing." Take me for example. I'm 21 and a university student. I want to start earning a good credit rating. Not because I…
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ICICI won't let me go!
I opened a ICICI card about 2 1/2 years ago, used it for a 0% fee free balance transfer. I paid the debt off and it's had a £0.00 balance on it for about 18 months. About 8 months ago I called them and asked them to close my account as I wasn't using it anymore and had no need of the card in the future. They said no…
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HELP! Bank paid incompetent company after I'd cancelled card!
I went on holiday in Feb 09 and "attempted" to hire a scooter, I gave my CC details for insurance purposes only. The bike was delivered without them leaving me the key to it. I contacted them immediately and they accepted this, then later denied it. They took no money from me initially and had nothing in writing saying I…
