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3 credit scores in one week & I'm a student
I recently turned 18 and think I may have made a big mistake - which affects my credit rating. 3 weeks ago, I applied for an RBS student account and since then I have heard no confirmation of a new account being opened. Since I needed an overdraft at the time, I decided to open a student account with HBOS and apply for a…
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Advice on Credit Card Defaults
Apologies if this is not in the right place. I have 2 credit card (unsecured) defaults around 4/5 years old (2005), i contacted Citizens advice at the time and i wrote letters eventually they accepted £1 payment per monthon each as i was made redundant (2 creditors) and i still in place today. Both are owed around £1,500…
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sygma bank
Hi, Does anyone one what CRA sygma bank use for credit card? Thanks
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Help with Credit cards please
Hello a bit of a long on this so please keep with me :) My Mother passed away early this year and she was the main financal person in the house. Little did we (my botthers and sister and my father) know she ran up a large amount of debt and was using my fathers CC's to pay off other debts running them up in the process.…
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Petition to No.10 Downing Street
We're trying to get the CRA's to fall in line with Europe and stop reporting data for 6yrs, but instead hold data for 3yrs like our European counterparts. If you'd like to show your support, please click the link below and sign up for free... Petition to: reduce the time Credit reference agencies hold data for to 3 years.…
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Urgent help needed
I just did a cash advance from my MBNA credit card for £6200 at a rate of 0.9%. The transfer came through on the 22/07 2 days ago, the transfer fee was 4% £248 so I now owe them £6448 (at this rate) What I want to know is can I cancel this agreement and just give them there money back and get my fee back. The reason is…
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Choice of credit card is driving me insane!
Hi, I posted a question yesterday about proving my salary, thanks for the responses on that. Having cleared that up, I now find myself disillusioned with the amount of credit cards available on the market! I am mainly looking for a 0% or very low APR card for purchases (no BT needed). And I am also in need of a fairly…
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Asda Credit Card 1p off fuel offer COMPLAINT
Hi, I signed up for an Asda Credit card because of the 1p off fuel (2p when I signed). After checking my bill I found out I wasn't seeing the reduction. On e-mailing I was told that the reduction should occur at the pump. I never had a reduction at the pump. Has anyone else had the same problem? I've made a complaint but…
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Credit card cash then transfer balance
Hi folks , hope you can help, I have an alliance and liecester credit card that im thinking of taking out £2000 cash from it, then transfering the balance to a barclaycard platinium,it will give me a year to pay it, wat u guys think, im quite new to this so wana check with you guys first, thanks for ur help
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Getting a refund... advice please.
Hi all, I bought a camera from Amazon.co.uk the other day using my credit card. The camera is absolutely rubbish, the quality of the images are a joke. So I want to return it. The problem is that Amazon sold it through a third party, so I have to deal with them. If they refuse to take the camera back, will my credit card…
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Can You Take Advantage of the ‘Up to 56 Days Interest Free’?
I remember reading a comment that was made in a thread a long time ago in which someone stated that they had a friend who had her salary paid into her credit card and then used the credit card for everyday spending and now this has got me thinking. If someone has a credit card with £2,000 outstanding (@ 11.9% APR, with the…
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Credit card purchase protection
Hi My brother in law bought a second hand car for approx 5k on his credit card last month. Within 2 weeks the engine gave up and needs replacing. The dealer gave him £1400 back but he is still £3,600 short and has a car that wont go and needs a new engine which will cost a few grand (its a old sports car). Does he have any…
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Received Claim Form (MoneyClaim.gov) for old Credit Card
Hi all, After some advice. When I got home yesterday there was a claim form from Northampton County Court for Lowell Portfolio Ltd. The details of the claim are for £3400 (£85 court fee) for Egg Banking PLC, a credit card I used to have about 5 years ago. I more than likely owe this money, but there are a couple of things…
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Barclays Pinsentry this morning
Morning All Have just tried to log onto Barclay on-line banking. The website has a new look (not sure if this happened today or not as haven't logged on for a few days) I can't seem to log in using my pinsentry. I've tried several times and triple checked all my details.....anybody else having a problem this morning or am…
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What is the difference between personal credit cards and business credit cards?
I have a few personal credit cards and I want to consolidate them. I also am self-employed, but I dont' have a business credit card; although I get LOTS of ads for them in the mail. I've always wondered, what is the difference? Are there different rules or fees? Can you only use them for business purchases? Do you have to…
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Egg money new charge on cash advances
Egg money have until recently been reviewed favourably in view of the ability to take cash out without any addtional charge. Over May and June I used this facility on a few occasisions to meet addtional payments as I had over a year ago and paid more than the sum of these withdrawals back (in addtiion to the minimum…
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Paying off full balance when you have DD set up
For Aqua, CapitalOne and Littlewoods, I have a Direct Debit setup to pay the minimum each month. I have paid the full amount off manually via debit card for Aqua and CapitalOne, and am about to for Littlewoods. Do I need to cancel the Direct Debit to stop it from putting me into a positive balance, or will they just not…
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Egg Card
unknown....
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Flybe Credit card advice please
I have just applied for a Flybe credit card and it said I have been accepted and my card and pin should be with me within 7-10 days. Thing I would like to know is... I have had a bit of dodgy credit history in the past but have done my best to be good over the last 12 months. I got a lot of missed payments etc about this…
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Balance Transfer Newbie
OK, I'm thinking about buying a new Apple Laptop - £900 I currently have a HSBC credit card, which comes out DD. I also have a capital one card, which I got to improve credit rating - around %30 apr. If I get a new credit card with 0% balance transfer for 13 months, should I buy the laptop on the capital one card then…
