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Money taken from my account without my permission. Can they do this?
Hi there, I have not paid last months Lloyds credit card and today they have took a payment from my LloydsTSB bank account without my permission and this is gonna cause a cheque I wrote to 'bounce'. They took it by PAY. Can they do this?
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Can debt collection agencies trace me if I check my credit report?
Thanks for reading this
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How Much & Worth it???
Hi all, i have a loan with Tesco at the moment but am looking to get a 0% Credit Card to do a "super balance transfer" to pay off my loan, then be a credit card tart. Is this recommended? Also my loan currently stands at about £8000, would they even offer a credit card with that much on it? (I have a very good credit…
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Barclaycard Goldfish £50 offer
On the credit card reward thread someone mentioned a mailshot with a code which can be used to get £50 in vouchers instead of the well-advertised £30. I would have thought such a deal would be well-publicised on here, but I haven't been able to find out anything further, even by googling. I'm assuming the poster was…
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How to reduce abusive interest rate applied on outstanding balance?
CC companies are increasing interest rates on existing balances to an extortionate rate over 31%/pa while the current BoE rate is at record lows of 0.5/pa%. (that's a 6200% profit margin!!) Is there a way in which one can fight this and get the Banks to reduce the rates to a more sensible level? It seems that they can…
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Tesco Credit Card - Declined
Hello, I was wondering if anyone else had been declined by Tesco for the Tesco Clubcard Credit card (the one with 0% on purchases for 12 months). It said I was "Declined - eligibility" and I was wondering if anyone else had got this result? Is this because I don't earn enough to qualify? I do currently have 2 credit cards,…
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Refused 0% credit card deal - advice needed
Evening all, New to the forum, looking for some pretty urgent advice ! I have been working in a temproary position for a few motnhs, along with my girlfriend also. Therefore we have been earning less than usual, but with the same outgoings. As a result we have both been using our agreed overdrafts, (within the limits and…
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Capital One Credit Card
Hi My husband has just received a credit card statement from Capital One (July 2009) and on it is a debit from February 2008. During that time we had been on holiday to Borneo and the debit has originated from that period. There is a date for that debit and we suspect its a trip we paid for using his card. We were suprised…
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Virgin Credit Card's Cheeky Charges!
I am looking for some advise on how to take this forward... On June 28th 2009 i called Virgin to ask how much debt was left on my credit card. I was told £1.29. Brilliant!! So i paid the £1.29 over the phone from my debit card and asked the lady to close my account and to send me a letter of confirmation that my account…
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Barclaycard Goldfish card
anyone's views on the new SUPERCHARGER CARD WOULD BE APPRECIATED
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Barclay card platinum - had one 14 months ago now can i go back?
I had one and closed it 14 months go.......now i want to get it againas i have an mbna card thats coming to the end of its interest free period. Anyone recommend this? Will they decline as i have have a 12months bt interest free card before? I rung them and they said no as its over 3 months but i dont trust the call…
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barclaycard....... will they listen
i'll try and keep this short and sweet. for many years ive had my head stuck in the sand...... i owe £9600 on the barclaycard/goldfish account. ive only been able to just about pay the minimum amount.. £200 per month approx £130 interest and £70 payment protection. due to recent developments with work..... i changed jobs…
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Bit of s daft BT question!
Hi ok i think i know the answer to this but would just like to check with you guys who has more understanding of credit cards and little sneaky things than me :) I have a virgin card with about £400 on (at about 1.2% a month) And i have a LTSB card with about £710 on (at about 1.2% .. i think.. i hate this card with a…
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unautherised charges
Hi there This is my first post here. My daughter has a Halifax credid card,and noticed a monthly charge for £20 for some phone company in Austria. The credit card company don't seem to eager to sort it out, should she cancell the card ? Regards Murphysdad
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Virgin Credit Card Nightmare - Help please ???
Okay will try and keep this short and to the point...... Hubby applied for a Virgin Credit Card for balance transfer, card agreed, terms & conditions signed, direct debt form completed and returned. Direct debt not set up, therefore incurred late charges, paid via standing order as soon as this was realised, and Hubby…
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low minimum monthly payments on credit cards
Hello, first time on here!Just would like to know which credit cards offer the lowest miniumum monthly payments? I currently have a virgin card (MBNA) which the 0% period is sbout to end, so looking to switch to another "The Greater of 1.00% or £25.0" or similar cheap payment card.I know all MBNA cards operate like so, but…
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Egg's automated fraud detection system... are other cards as bad?
I use my Egg Money card for almost every purchase I possibly can, but recently they seem to have turned up the sensitivity of their automated fraud detection system, which basically puts a temporary hold on your account and then phones you up and asks you to confirm a number of recent transactions before re-activating your…
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Indian Credir card Holders
Recently the supreme court of India directed the Federal Bank of India, to credit card issuing banks to avoid outsourcing to collect the money from defaulters. This given a sigh of relief and card holders also started to repay the dues.
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Santander Credit
My husband and I have now been refused credit 3 times by companies using Santander as their credit provider (Debenhams, Asda and Evans.) This has come as a bit of a shock each time as we both have good credit histories. To prove the point, I have just been on to Experian and we both have 999 credit scores!! Can anybody…
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How should I go about raising my credit rating?
[FONT="]I am an engineer working in US; during my college I raked so many bills with my credit cards. I began paying all of it, and propose to pay them of, nevertheless. I am quite young and preparing to get settled soon, I am sure that my credit rating is low and that loan will be quite tough for me or any finance for…
