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credit report
Hi, I have recently moved abroad and need my credit report so i can get a mortgage.Any idea how and where i can get a full report? I ahve looked on a few websites but its all a bit confusing! I look forward to your replies. Thanks
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Virgin Money - lost card and changed conditions.
Just a wee word of warning. Last month my good lady and I thought her card had been lost/stolen so I called Virgin. They promptly cancelled the account and issued shiny new cards. All good so far. I was later emailed that my statement was due and logged in to my account to have a gander. Being a bit of an old fart, I…
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Tip to get o's without spending
Setup an account with jdwilliams, pay 10p by card and just leave it. They wont issue a cheque as it will cost them more and it shows as account active. You can do this with most lenders, if the account is in credit by a small amount the file will stay active.
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Credit cards and insurance cover
I recently paid the deposit for my forthcoming holiday by credit card (over £100). There was no credit card charge for this. When I pay the balance, if I pay by credit card, I have to pay 2.5% extra. I intend to pay by cheque. Am I insured for the total amount of the holiday via my credit card? Tony.
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Citi Cards - Refunds
WoooHooooo!!!! Ive just had 2 letter's back today from Citi Cards. One was for card charges from 2004 I claimed for £223 and have been offered £186 and I also claimed refund for PPI Card Insurance which was for £430 and offered £342. Well chuffed, big thanks to Martin Lewis as I used your letter templete and it works!!!!…
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Appeal For Credit App Decision
I need the template for appealing a credit card application decision and I can't find it... please can someone help me?:confused:
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M&S Money Rip Off
I know I should know better but..... We did not pay off our M&S card in full last month. Just received our new statement and couldn't believe the interest charged. If you do not pay off your balance in full then any purchases in the following month attract interest from the moment of purchase -no different from the big No…
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Husband has been declined a Post Office C Card but has good credit?...question...
Hi, My husband applied for the Post office credit card, as they are offering 0% on balance transfers at the moment, and we really need to reduce our interest. (Currently can only afford the £65 minimum, but are getting charged £60 interest!) He received a letter yday saying they could not offer one at this time. We have…
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Marbles Closing account
Hi there. Can ayone help with this question. I have a marbles credit card. After a few late payments last year they closed my account but still consider I should be paying the debt off. Can anyone confirm if they are allowed to do this and would I have grounds for asking that the account be reopened as i have not missed a…
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Vanquis card - interest rate hike
I have just got my latest Vanquis statement, and as from next month they are putting my interest rate up from 48% to 54%, it went up from 40% to 48 only 4 months ago. Rang them to complain and was told all of thier customers are having this rate of increase applied to thier accounts. I asked how tehy could justify a 6%…
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Clearing credit card debit by agreement
Many apologies if this has been covered in another thread, will happily go there if someone can point me in the right direction. My wife and I have credit card debts of £30k, and cannot see away forward to repay them as cannot re-mortgage or get loan. I know there are various schemes you can join to help clear debt, who…
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URGENT mbna question about reduced settlement
Hi there Sorry for the urgent request. I have missed 4 months payments on my MBNA card. After calling today they've offered me the option of a reduced final settlement. I owe 3700 and they've said they will offer me a final settlement of 2060 to be paid within 60 days. This sounds possible - just - but I'm concerned about…
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Advice Needed !possible decline due to lack of history!
Hi all, due to be adverse info free in October and was wanting to apply for a mainstream card(got Cap1) 1yr worth of green (0s) Should I apply in November for mainstream? I dont want to be declined due to lack of history! so should I apply in November for a catalogue and build up up more history b4 I apply for card. If so…
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Capital Gains Tax
In 1987 my husband and I were given land by his parents, the land was valued then at £57000. We have now sold the land for £210000 to purchase a house which we plan to rent out, we already have 4 other properties that we rent out, these rental lettings are now a large part of our income. As we had rolled the money…
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Probably a stupid question...
When a card says "0% on purchases for 9 months" does that mean 9 months from when you make a purchase or 9 months from when you receive the card?:confused: Thanks James
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Entered worng account no when doing egg balance transfer.
Will they be able to cancel it? Thanks
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Travel Money query
Hi there, I'm travelling to morocco in a couple of weeks. Morocco has its own currency and I can only exchange money when I get there. The problem is that I don't want to be carrying loads of money with me and don't want to use my Halifax debit card. Can someone PLEASE give me some advice on this matter. The good thing is…
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Should I BT?
Being an one of those people egg decided to bin last year I have just recieved my Flybe card. The egg is at an atrocious 21.9% and has a £1927 balance on it. The trouble is that Flybe gave me a £1500 limit and after this my balance transfer rate is 24.9%. I could transfer everything I can to the flybe but im worried that…
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Vanquis Credit Card one off payment
Hello Can anyone help with this question, I pay off my Vanquis card each month full balance The next full payment is due on the 6th August which will take the full balance for the month of July. Yesterday I bought some goods £50 and I wish to make a one off payment to pay this £50 off. If I was to make this extra one off…
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Ugh! I just applied for a capital one visa!!
I don't know what I was thinking!!! I went through all the details and proceeded to apply even with a rediculous APR of 34.9% typical... Anyway they didnt even give me a yes! I should have waited because my premier manager told me to wait 3 months and it will say on their system which cc I am elligeble for! :mad: I am so…
