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Credit card charges confusion
Hi Im probably being really thick but thought i'd ask anyway My wife has a credit card with MBNA and is trying to pay it of monthly. I have just read her statement and she pays £39.01 per month in Payment Protection Cover. I have a couple of questions ( well several actually but i'll start small before i bore you all to…
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Will this affect my credit rating?
Hi. Im currently living in a shared house with a live in landlord. The landlord has debts coming out of his ears, with threats of bailiffs and magistrate court attendance notices etc. Ive googled around, and dont think that simply by living there my credit rating is affected (which should be top notch as im on top of my…
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credit card arrears
Hi I am currently off sick from work and I am struggling to pay all my bills let alone credit cards so I went to CAB for some advice, they told me not to worry and just to send them a letter along with a personal budget sheet and tell them that I will make a £1 token payment I have 2 credit cards 1 is egg they phoned me…
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Transactions authorise twice? Mint card
Several times now - most recently Monday AND Tuesday - payments I have made on my Mint card have been authorised twice by the retailer. I know that the authorisation only lasts a week, and drops off the system after that, but in the meantime the money is not available to spend. For example, £100 available, spend £40 but…
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Advise please MOORCROFT
Can anyone help with a template letter i can send to Moorcroft? Have just received a letter of intended litigation (its for a debt with Sainsburys Credit Card £2,700.00) Last paid £1.00 November '08. Letters written to Sainsburys and Blair Oliver Scott solicitors. Have had no formal letter agreeing to offer of £1.00 a…
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application process - credit limit advice
When during the application process do cc companies usually tell you your credit limit? Before or after you sign the credit Agreement? I was 'approved' on line, then sent an Agreement to sign. When I rang to ask what credit limit I was being offered I was told they could not tell me untill I signed due to the Consumer…
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Buying a car with mastercard
Planning to buy a car from a dealer with cash. Can I pay with my mastercard and then pay off with my cash? Do car dealers accept Mastercard? Planning to spend £5000.
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Vanquis how long
Hi was wondering how long before you get a reply from Vanquis, being an impatient type of bloke I'm just interested to find out! I applied last saturday(online) and not heard a chirp so far!! I know its only 5 days since my application, but as says above I'm impatient. Thanks M. Its hopefully another card to create more…
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Easyjet or Flybe credit card?
Hi all. I was just wondering if anyone could advise me on how useful an easyjet or flybe credit card would be for me. I am a student and usually fly within the UK a couple of times a year but I have another credit card with the Bank of Scotland. Many thanks! :j
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Are CRA's Dodgy?
Wonder who is more unlawful in their business practices; 1. The CRA's 2. The M.A.F.I.A 3. The Triads 4. Sir Fred Goodwin 5. Nick Leeson
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Age limit on credit card?
Hello peeps, I'm new to this site and this is my first question. My 19 year old son (he'll be 20 next week!) applied for a Virgin credit card but was refused. He currently has a Barclaycard and wants to transfer the balance because he is paying too much interest each month. His history with B'card is good and he keeps his…
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Lloyds 0% balance transfer existing customer offer
BIT OF BACKGROUND.... I am currently looking for a new % balance transfer card, and I keep fairly regularly looking, quickly, on here..so far I haven't been able to get one due to having current balances on MBNA and therefore can't get a new one associated with MBNA...I have a barclaycard balance, sonycard (MBNA) balance,…
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what credit card has no charges when using abroad
hi, im really confused at the moment. which credit card would be best to use in turkey? some say they dont charge you but add on the visa charges. I have to apply now as I leave in 3 weeks and have left it late thanks
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Sky Card taking money without my knowledge
Hi Had a look online today at my bank account and discovered a cheque payment number 00022 has been paid out today (24th July). Went and looked at cheque book stubs and last cheque made out was only for number 0009. Looked through blank cheques still in book and noticed that the number sequence stops at number 00020 then…
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Melgold Ltd T/a The Country Garden
I have seen this on my credit report today, Melgold Ltd T/a The Country Garden . Anyone got any idea who it is at all?
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Best UK credit card for use in USA
Hi all I'm due to go over to america in a few months and i need to make a purchase of about £6,000 while i'm over there. I was wondering whether any of you kind souls could recommend a UK card that is likely to be accepted and will have the lowest handling charge for an overseas purchase? Added benefits like cash back ect…
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Extra interest charged
Hi I wonder if anyone can help? What I need to know is, is it legal for credit card companies to charge interest after you have paid the balance in full? My husband decided to pay off his credit card balance of over a £1000.00 on the 29.6.09 before the due by date. He has just received a statement charging him £14.24. He…
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applying for a credit card when redundant
So, I've just been made redundant and I have luckily come away with a nice package. My current credit cards are nearing the end of their 0% promotion. To be clever with my money and credit cards, I wanted to apply for another 0% credit card to transfer to. However, after just trying to apply to the Snatander one, I've been…
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Flybe / Sygma / Creation Finance help.
Hi, I recently applied for a flybe card and am still waiting to hear from them for a decision. I've checked Equifax report and it's showing the following : 20/07/2009 Credit Search Sygma Bank (Uk) 20/07/2009 Unclassified Creation Financial Services Ltd 21/07/2009Subsequent (or follow up) EnquirySygma Bank Uk (Fraud) This…
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Barclaycard not being used enough!!!!
Hi Thought I might share a letter I have received from Barclaycard. Dear.......... We've noticed you haven't used your card for some time, which may be because you no longer need your Barclaycard. If this isn't the case you need to do one of the following by 22 August 2009 * use your card * call us on…
