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Payment Plan - will it affect my Credit Score further
The bank closed my credit card and considered it a default. They demanded money to bring it up to date and so I paid half of it, promising to pay half when I got my wages. Next day, they phoned again, saying that that was not good enough and that I should have been put on a payment plan, otherwise it would go to the Debt…
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have credit limits gone down as need to do
some transferring over and wonder which is the best way forward. thanks in advance.
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credit reference ...the quickest way ideally...
is this to pay £5.95 for a one off with the experian system and £7.50 for equifax? how long will it take otherwise with the statutory system as i think in the past took too long and need to get my cards sorted now. thanks in advance for any advice.
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Best Credit Card To Have For Benefits?
Hi folks, Just picking your brains please. I have a Tescos Credit Card which I pay off the balance every month without fail. I put all the shopping on there and also any other expensive items I might buy and have the money for already. I do this so I can get all the clubcard points as I use these in my local Tescos petrol…
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Homebase Purchase
I purchased a kitchen from Homebase 14 months ago on interest free for 12 months. I would like to put the balance on an interest free card at the end of the interest free offer. I am unsure if this would need to be a 0% balance transfer card or a 0% purchases card. Can someone in the know advise which sort of card I need.…
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0% balance transfer request only partly sucessful
So I now have two credit cards, one at 15.9% for £640, the other at 0% for £2995. They didn't indicate they would refuse the whole amount and now no other card wants to take on both loans. I also have a bank o/d I'd like to consolidate into the loan and start paying it all off. Who can I ask?
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Dummy Merchant
I've just checked my card card statement online with MBNA and I have 2 transactions on my account taken from 'Dummy Merchant Worksop'. I really can't think what this is :confused: - does anyone have any ideas, just a bit worried incase it's something dodgy.
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Cancelling Credit - good or bad for credit score?
I have two credit cards - one I use all the time and pay off every month (barclaycard cashback) and one that I have had for years (MBNA platinum) which I virtually NEVER use - it has a £6000 limit. I got it years ago to get a [naff] free gift and I just never cancelled it. In terms of credit score, is it better for me to…
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direct debit
Hi Dont know if this is the best place to put this so if not could the mods move it? Had my MOT done this month and it cost way more than expected to fix and now i find myself with not enough money in the bank to cover my next two direct debit payments (9th aug and 14th aug) . I have used up my overdraft and dont have…
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0% deal problem
hello at the end of yr i am going to take a 0% deal for 9 mths november time. the problem is i paid my car insurance in feb 09 and i am sure they said i will pay by this credit card in feb 10 . the amount is £300 about .would this affect the bt ?
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Santander Store cards
A quick question, If you pay this bunch who do you make the payment (cheque) payable to? Thanks
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Which pre pay credit card can i get free/
Which pre pay credit card can i get free/
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Will additonal driver link credit report?
Hi, I put this in the insurance thread a while ago and got no replies so I'm thinking i might be best here as this bit deals with credit reports and you guys seem to know all the ins and outs in a big way!! My sister wants to add her fella to her car insurance policy. He is a bit of a lazy no good hates authority, big…
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Virgin (MBNA) Balance Transfer Fee Whilst In Credit
I have just transferred my balances to RBS and part of this meant transferring a positive balance to my Virgin credit card which I intended to use to pay off a Littlewoods account and an Argos account. I paid the Littlewoods account no problem and did a balance transfer of the remaining balance (which is how Egg managed…
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Phone Harassment from RMA Collections
RMA (Risk Management Alternatives) are a collections company used by MBNA - they are rude, unhelpful and harass you! :mad: I am currently two weeks behind with a payment and i am reluctant to send it as i am claiming back £2063.20 in charges. RMA have said they know of no dispute on the account. Does anyone know what is…
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Insurance quotation - credit search
I am very annoyed to find a company called RBS PLC IRO OF PRIVILEGE have conducted a credit search (under the application type it says Insurance Quotation) on me, just because I went on a price comparison site to search for home insurance! I haven't even decided on a policy yet and only got one company - not RBS! - to send…
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Balance transfer - Help
I have a debt of £2500 on a Halifax credit card which I want to move over. I want to pay it off in about 18 months. Will I be able to transfer over the whole lot? I’ve just read the article about how NOT to spend on a balance transfer. If I transfer over my debt to a new card say to Virgin - 0% for 16 months, 0% on…
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Credit Cards - Defaults - Credit File
I have defaulted on a number of credit cards and loans about 2 years and am currently making regular agreed payments to a credit agency. Firstly when will these defaults come off my credit file. Will it be six years from the default or six years from when the last payment is made. I also have one credit card left with MBNA…
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Monument Credit Card
Before I contact Monument and get bombarded with the confusing legal jargon can someone please explain in plain English what Merchandise Interest and Cash Interest is that I am being charged on my statements. Thanks.
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If youve got an Abbey/Santander Credit Card...
get rid. Just got my statement and they've charged me a late payment charge of £12. They got my payment 8 days before it was due!! Phoned and was told that there was a note on my account saying that the charge was because the payment hadn't been processed until after the 20th! And when I asked if the late fee would have…