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Credit score help needed - urgent!
Sorry if I have posted this in the wrong section. I am writing this on behalf of my Grandmother. The other day she contacted Lloyds TSB (with whom she holds a bank account, has done for over 15 years now), as she wanted to get a small short-term loan to pay for some work that had been done on the house. Lloyds ran a credit…
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LTSB CC - DD applied to credit card, but current a/c not debited!
Hello, I have my Lloyds TSB Airmiles Duo credit card with full direct debit set up, to take my funds from my Lloyds TSB current account. This has been going on for years (D/D date always shown on statement, current account always have enough balance). A few days ago, came my due date. Surprisingly no funds left my current…
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credit report query
Hi everyone :) I checked my credit report for the first time the other day from Experian. I noticed that my mortgage payments didn't come up and thought that was strange. I've had a mortgage for a year now and it's all been payed on time. I now think it may be because my mortgage is under my full birth certificate name. My…
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Can i cancel straight away?
Hi just a quick question, Can i cancel a card that i have just applied for before it even arriving? or do i have to wait for it to arrive and then cancel it? Thanks in advance
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credit rating issues
hi looking for some help my current balance transfer with mbna is coming to a end soon gave them a call to see what was on offer or a roll over for stoozing, nothing offered so i was looking around and opted for abbey call them and went threw my application over the phone was advised it was referred to underwriters never…
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Vauquis no immediate answer
Hi all just applied to vanquis, got a credit agreement emailed to me but response to application was " unable to give instant decision will contact in 7-10days) is this a decline or norm as i applied at 11.15 at night!
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Credit Card declined, what next?
Hi MSE, I've just had a second credit card application turned-down (first decline 6 months ago). Santander just said 'we use a number of sources to get an understanding of your current financial situation'. They said I didn't meet their minimum requirements. They've also offered me the chance to appeal within 30 days. No…
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What happened to my Credit Rating?
Hi I was reading some money saving tips on this website a few weeks ago and thought I'd try two things that seemed simple - one was sign up for the Tesco Credit card and the other was to sign up for the First Direct current account. They both seemed like they'd offer some worthwhile rewards. However, I was declined for…
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Advice with credit card / loan
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Is Tesco Clubcard CC The Best For BIG Purchases?
I am about to spend around £3K to refurnish my house and I was wondering whether it would make sense to get the Tesco CC because it gives me the capacity to pay down 12 months later AND get Tesco clubcard points? See http://www.tescofinance.com/personal/finance/finance/creditcards/clubcc/index.jsp Are there any…
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Barclaycard 6.9% lifetime balance transfer for existing customers?
Has anyone tried to get Barclaycard's 6.9% existing customer lifetime balance transfer recently. The man from Barclaycard ... he say no! My deal with Virgin is about to end (in August) and I was all set to transfer onto my Barclaycard for a lifetime deal. I'm a bit peeved to be honest ... I've had a barclaycard for nearly…
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Capital One - again
Having not paid much attention to a cap one card i have, this month i decided to have a look at transactions etc. Now, for some reason, i have been charged since Dec 08, a £3 cash advance fee and since then 20p a month interest on the amount. Thing is, i have never, ever used a credit card for cash advances as i know what…
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A & l mbna new c/card- cca attached
i posted this on debtfree forum other night but thought might be better here .. today recd my new a&l c/card and inside envelope is lovely boklet called credit card agreement regulated by consumer credit act 1974- terms & conditions- never seen this before.. Letter tells me to call and activate card so they know i recd it…
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RBS Card Payment
Hi, My RBS Credit Card payment is due tomorrow 19th so I made a payment through Natwest yesterday at at 11.40pm. It said the payment will go through FP and reach the payee within 2 hours. My RBS account still not updated with the payment. How does it take? Thanks MS
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Please explain 0% on purchases to me
Firstly I'm new and confused. This is probably something I should be able to work out for myself but I can't get my head around it! Our credit card was used initially for a balance transfer. We have just made our first purchase on it (a big purchase). The card has 0% interest for 3 months. The card is 2 months old. Does…
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Help needed ref activity on closed credit card
I closed a business credit card issued by A&L/MNBA (in writing) over 6 months ago. At the bank's request I also contacted those with whom I knew I had direct debits & stopped them. But the card was several years old and I don't know who has had the details in the past. Recently a payment in respect of an annual…
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Experian reports says im on Electoral Roll, but Credit Expert do not!
so i signed up for Credit Expert online report, all shows ok but for the Electoral Roll it lists my council but not my name or date. i have just received my report in the post from Experian (£2 payment) and that lists me as being on the Electoral Roll with dates. i thought Credit Expert and Experian were one? what should i…
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Barclaycard Initial - Decline
Hi All I applied for the Initial Card from Barclaycard and was declined - sent in an appeal letter with bank statements, certified copy of passport, bills etc.. and they still said NO. I have no credit history, have recently moved to live on my own (last 3 months) and I am on the electoral roll (showing on my credit files)…
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Egg Card - to keep or close
Hi all, A couple of months ago I went through my credit reports. I thought I had been the victim of identity theft as I received an email to an unused email account (my ISP account) from Virgin saying I had successfully applied for a credit card with them etc... (it was even in my name). This 'application' did not display…
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Credit Card Juggle
Hi all Can anybody pls help me juggle my credit cards? Am a regular poster on other boards but if my family knew what debt I am in, they will kill me therefore, using a new name-hope this is ok? OK we (OH and I) have a few cards and need to juggle them to get the best rates. MBNA nothing on there at minute, 6.9% for life…
