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Direct Debit Pain
My girlfriend took out a buy no pay later deal on some computer equipment in 2007. She believes the forms were filled out correctly but something has clearly gone wrong. Once the pay later deal had reached the end of its time direct debits were being taken but not from her account. She did not realize that the driect…
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Credit card query.
Does anybody know how I can get my interst payments down on my credit card as I cannot afford the payments. I have called lloyds tsb and they have refused to do anything but each month although I do pay the required amount, it is late and I keep getting charged and now the charges are mounting up. I would like to reclaim…
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Egg Money World Mastercard - £1 monthly fee!
This just appeared at the Daily Mail: http://www.dailymail.co.uk/news/article-1198925/Egg-brings-1-monthly-charge-credit-card.html Has there been any other articles or info about this? I just tried to get on egg.com and says they are performing maintenance! I dunno about egg but when apple.com does that it usually means…
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Card care and repayment cover
I wonder if anyone else has had this? I have today received a statement for my Halifax One credit card claiming that I owe £23.78 for the above. Now I cancelled my credit card nearly two years ago. A year ago I received a similar statement and Halifax claimed my card was not cancelled. They agreed to cancel it there and…
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internet fraud, blocked card and Paypal refund
Sorry if this is not the correct place to post, but I don't know where to add my post ... I noticed yesterday that £2300 has been charged to my debit card as my card got cloned or details stolen, and I blocked my card asap. My bank is looking into the fraudulent charges However, today I received a confirmation for a refund…
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No debt but bad credit
Hi Everyone, Today I got my credit report from Experian. As expected I have no debt. The only financial information they have there is my current account with Barclays. However, I am not able to get any credit cards or even a mobile phone. My credit score is very poor at 300 according to Experian. My bank even doesn't give…
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Credit file searched for recent credit card application
Hi guys, I've recently applied for a credit card with my bank, and noticed the search on my credit file, which is of course, normal. Now, I'll be needing to do a balance transfer to it soon, but I was wondering if it'd been accepted or not. If it has been successful, will it show up on Account Info on my file at the same…
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Stuck with High Interes C/C HELP!
Hi Could someone please help me. I have two credit cards one with approx 4,500 and another with 4,000, both cards are up to the max limit. One card has interest thats reasonable but the other I took out before credit crunch at 0%nterest which has now shot up to 34% interest, which means I pay 90 per month payment and the…
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Experian 'lower my bills' - quite useful?
I've been a member of experiean for a while (yes, I signed up to see my free credit report and never cancelled, but I actually find it really useful). I just noitced that they have a really useful tool for finding new mortgages/credit cards/loans, where they look at the infor they have on file for you and then tell you…
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Play.com Card
How have people been finding this in terms of getting accepted? Has anyone been successful even with other high-limit MBNA cards in their wallet? Thanks!
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credit card and paypal
I'm looking at buying a car privately but want to use my credit card to borrow the money (less than 2000) at 0% Can I use paypal to do this without the current car owner being charged? I've scoured the rules and regs on their site, but im none the wiser!
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Virgin refused to negotiate
I recently went from 0% Balance transfer deal on to the standard rate of 29.9% so I called them and asked if they were prepared to offer me any deals to reduce the rate. They refused point blank, even when I said I would close the account. Mind you, they did graciously offer to excuse me from the impending 5% hike to…
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Applying for a credit card....
I'm looking to buy something for £3500 I have £1000 in savings I am overdrawn by £500 at 0% I am getting a family donation of £1000 I will then require a credit card for £1500 My question is, am I better off paying off my overdraft with my savings before applying for the credit card? Which will leave me needing to borrow…
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Most Generous Credit Limits
Is there any advice out there as to which cards offer the most generous credit limits for applicants with good credit records for balance transfer purposes or if there are any limits providers have ie Barclays limit to £5k BT I believe. I need a new card with as large a limit as possible as Virgin have given up doing…
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Lloyds TSB Platinum Card
Hi Folks, This question may have already been asked and if it the case, I apologise. I have just applied for a Lloyds Platinum card online. Any idea how long it will take for them to let me know if I have been successful or not? They didn't say they would give you an answer in one minute as other lenders do so I wasn't…
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TESCO Credit Card BT & Purchase
Have a 0% ending with MBNA soon. The Tesco credit card offers 0% for six months Balance transfer and 0% purchases for twelve months. It states this on the website: - "If you take advantage of the 0% balance transfer offer and the 0% purchase offer, your monthly repayments will be used to pay off your balance transfer…
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utility payments with credit cards
I have an argos credit card (not store card) and was wondering if anyone knows that if i pay off my £600 gas and electricity bill with it will i be charged as a purchase or a cash advance? I have rooted around on the internet and have drawn a blank.... any help on this matter would be greatly received :D
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balance transfer and bill payment on credit card
Hi there, I'm a hopeless credit card newbie. I just signed up for the American Express credit card (so i can get cash back) AND the Tesco clubcard credit card (so i can pay my bills and earn points). I intend to pay all my balances in full at the end of the month. Sometime last year, I bought a tv on credit and the…
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InkTonerUK - problems getting a refund
Anyone had any problems with this company getting a credit card refund? I ordered some duplicator ink from them at the beginning of June and after a week of waiting for delivery I contacted them only to be told that they could no longer supply it. They were very courteous and apologised and promised that my card would be…
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Balance Transfer
Hi Appologies if this is in the incorrect place I owe approx £1000 on a Thomas Cook Credit card and am looking to open a new credit card to transfer the balance on a 0%. I've looked at Martins advice and concluded that the Play.com one looks best for me. I'm in the process of applying but wondering if I should make a…
