-
Can 0% cards pay off lons?
My girlfriend has a loan from Lloyds TSB. There are 30 monthly payments remaining at £62 which makes £1,860. She was told today about £1,500 would pay it off in one go. So can she pay it off with a 0% credit card? I ask because everything on the guides on this site just refers to transferring the balance from another…
-
Lloyds TSB - Unbelievable
We have a LTSB Airmiles duo credit card and hubby is the main account holder with myself as the additional cardholder. As it is usually me who deals with all the finances, in December last year we asked LTSB if I could be authorised to be able to speak to them about the account ie any queries etc. They sent out a form…
-
Wanting a card to do BT from Virgin
Hi I am looking for a 0% int card (not Barclaycard) to move a balance from a Virgin one onto. I have good credit, any suggestions as obviously new card cant be part of MBNA group. Thanks
-
Can anyone help me sort out the best order in which to pay my debts?
Hi could anyone help me figure out the best order to pay off the following debts? I have £800pcm available to pay the following debts, how should I do this in order to pay the minimum interest payments? £3000 on a credit card with 12.9% apr £750 on a student overdraft with 18.8% EAR £300 on a non-student arranged overdraft…
-
virgin card
i have a virgin credit card 0% bal transfers 14months the balance i have is about £3400 (approx) can someone tell me why the min payment is only £25. my friend has same card but she has £6000 on hers, her min payment is still only £25. Does this £25/month thing change once the interest free part runs out????
-
Generating credit history
Hi there, A question for you wise folks... I'm currently working abroad... but will probably return to the UK soon. Since I've been working abroad for about 2 years now I have obviously not used any of my UK credit cards in that time. In anticipation of coming back to the UK and maybe the need to obtain credit, I'm…
-
wrong address
two years ago my abbey credit card stopped sending me statements and requests for payments. this went on for a year untill i did a credit score check and it showed that abbey had applied a 'gone away' on my address and credit score. I contacted them and they had fined me for over a year with fines and no payments. They had…
-
In Credit on my credit card Question
Hi Everyone, I'm about £500 in credit on my credit card due to a refund for a faulty item that i purchased about a month ago. I would like to know is there any way I can get this money from my credit card account as I've settled the card and they owe me now. I'm not really going to use the card again as all the interest…
-
Barclaycard Goldfish
Hello all I have a Barclaycard Goldfish (which was just Goldfish when I first took it out (at least 10 years ago)). I wrote a letter at the end of last year explaining I was having difficulties in paying (although I was meeting the minimum payment each month by Direct Debit). I received a letter back saying they would look…
-
Egg - not renewing my card in July.
Hi Just thought I would warn other Egg card holders that I have received a letter from Egg today saying they will not be renewing my card when it expires in July. I have never missed a payment or gone over my limit of £2000. 40SM
-
Missing Transactions on Card Statement
I use home banking software (old version of Quicken) and enter all receipts. I check every transaction against the monthly statements. Quite often (though not as often as I would like :p ) the transactions for some tickets never appear on a statement - after about 6 months, I assume they will never appear and issue a…
-
debit card purchase
i recently used my debit card (visa electron) to pay for checking in with ryanair at stansted airport and nothing has been deducted from my card yet the transaction was on the 16 of april, does anyone know how long they have to make the deduction from my account because these types of transaction are normally done on the…
-
I'm hitting a brick wall with credit card transfers, can anyone help me purlease?
Hi there, I wonder if anyone can help me please. The situation is that I have 2 credit cards. Barclaycard Cashback Balance of £2,465.87 at a rate of 0.323% till July 2010 (So this I'm happy with till then, which I hope to clear by then, fingers crossed!) Halifax One (Mastercard) Balance of £7,508.00 which as from next…
-
Re Cca and unknown default
I applied to capitalone for a copy of my credit agreement as they say this account is in default which i knew nothing about did not recieve a default notice, and today recieved this: Account no xxxxxxx Thankyou for your recent letter requesting copy documents for your account. You requested copies of the executed credit…
-
Bank passes on information about your Credit File
I know that banks pass on information to credit agencies but how much - is it more than loans and payments? I used the CreditReport.co.uk service and on my credit report under my addresses there was a business address where I used to have a business. Would my business bank account have been used to link me to it?
-
Paid Credit Cards Off But....
Hi All, I recently paid 2 credit cards off (yippee) and told them over the phone to close the accounts, which was done and have letters to prove... My question is though, once I paid the full amounts I had £0 on the credit cards, but since paying they have produced another statement, and one of them says I owe £90 (approx)…
-
Advice on Helping my Parents Please
My parents are coming in to some money at the end of the year but need some finances to keep them going until then. They are both retired. I suggested they get a card with 0% int on purchases and then pay it off when their money arrives, but obviously they don't have an income so 1. Would they be refused? 2. If that is the…
-
Need £4.5k to buy a car.....how to "realise" the cash
Is it possible to take e.g. a cash advance on my Egg card (Limit £8.5k) of approx £4.5k, then do a balance transfer to my Halifax card (Limit £6k) as they have just written to me and offered 5.94% for the life(transfer fee is 3%)...which is a lot cheaper than any car loan. Can you actually "stooze" or whatever its called ,…
-
template - searches
Hi Can you tell me whether there is a template to use to get a search removed from my credit file that is not meant to be there. Many Thanks :money:
-
Being in credit on a creditcard
Hi, is it possible to be in credit on a credit card. I recently got accepted for a Virgin card, and am taking advantage of the 16 months 0% balance transfer and so set about transferring the money from my Egg card. In the time it has taken to set things up and the transfer to go through, I have had to make another payment…
