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MBNA card - received text
Hi There, Ive just received a text stating that I have to call a number (0800 number) to confirm safe receipt of my new MBNA card, but I havent got an MBNA card and certainly havent applied for one. Should I call them to check this or ignore it :confused: . Jackie xx
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Santandar Zero REDUCING APR's !!!
Not commonly seen too often in the current economic climate is a card company reducing APR's on cards without specifically requesting it. Included with my monthly Zero statement was a note advising of a reduction on the APR on the account from 18.9% to 15.9%. Ok, it's not very much and it won't personally affect me, but…
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Threatened with a baliffs visit.
I have council tax arrears, and it has been handed to a company called Bristow and Sutor, they wrote demanding £110 a week to clear the debt of £1300, i wrote back, informed them of my circumstances, and offered £125 a month, and included the first payment, they have written back stating that the amount i have offered is…
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New Credit Card help!
I'm about to start booking a big trip to Norway, and I need a credit card to do this on (a few months with 0% on purchases would be nice). But i'm a bit stuck - I'm 23 and only have (and have only ever had) one credit card which is a natwest student one which only has £500 limit but ive always been pretty good with it,…
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will i be covered
if i spend over £100 on my credit card to a company and that company went bust at a later date, would i be entitled to my money back from the credit card company as ive heard that they cover you over £100?
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MINT trying to pull a fast one?
I have recently transfered my MINT balance to Virgin, and it's left me in credit (see my sig). I phoned on friday last week to see about transfering the money to my current account and was advised to wait until today as there was still interest due to be taken for this period. I called back today to transfer it, but was…
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Does a family help your credit?
I read elsewhere as well as your credit history affecting future borrowing thing like salary, home ownership, and marital status affect things too. With my car insurance putting my partner on it actually made it cheaper. My question is, does having a partner/dependants increase or decrease your chances of getting credit?…
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problem with credit card payment plan?
hi guys,ive not got a great credit file so i contacted my credit cards while my wife was out of work and set up an arrangement for 6 months to make lower payments. now checking my credit expert file i can see that my egg card keps showing late payments every month even though im making arranged payments on time,i have an…
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Best non MBNA credit card
Seems a lot of credit cards are owned by MBNA, when i got my new platinum one they said they wanted me to clear the debt on my A&L card and close it, i used the A&L card on sat on top of a £1 charge that was already on there and today i paid the balance of £14.70 in full leaving it at zero. Ideally i'd like to keep this…
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How and where do i send letters to these old cards please
Hi all im a bit new at this and would like to reclaim my credit card charges from a number of credit cards i have had over the last few years thing is i dont know where the devil to send the letters to ? The cards i owned were from ( got this info from my experian report ) Halifax card services Halifax card services 2…
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Which Credit Card to pay off?
Hello I'm a bit stuck what I should go for thought I might ask for some advice in here always helps me. Ive got two Credit Cards both have a balance on and Ive just received 1000 pounds to use paying off my debts Card 1 is with VIrgin Im about to opt out and stop use of the card (1.24%) (1,260 available balance) Card 2 is…
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Any chance of moving debt to a better card?
Hi all, A friend has a pair of cards, both at 27.9% APR... has around £1100 on them in total. She's only really clearing the minimum payments at the moment so the interest is really really painful, but she has been making all the payments etc. Does she have any chance of moving the debt to another card with a better…
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Post Office CC changes
Have just received new T&C from Post Office. They're not very clear, and appear to open the way for charging for overseas use. A great shame, as they were the only ones not to so charge after Nationwide changed. Has anyone else received this?
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Default on credit card
Hi i'm currently in a debt management plan and have several credit card debts, some oh which have now defaulted and have been passed to a third party. Can i still recalaim charges and if yes is the procedure the same thanks Ginny
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MBNA - payment agreement still charging interest
Hi everyone, I have a credit card with Virgin, (MBNA). I wrote to them explaining that my partner had been made redundant and I was unable to pay the full amount each month. I asked if I could pay 50gbp per month and that they stopped the interest. I have paid the 50gbp without fail since I sent the letter yet they are…
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Really worried about not being able to pay my debts!
I cannot go into too much detail on here because it would take too long but the short version is this: I live in Spain, have done for 3 years, in 2004 we had combined debts of 53K (another long story) since then we have been making regular payments and our debts are now down to around £9,500 spread between 5 creditors, one…
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Nationwide reduced my credit limit - advice please
Hello, I noticed today when checking my statement that Nationwide have reduced my Nationwide Classic Visa Card credit limit from £2300 to £500 (the starting limit was £1500 and increased at my request two years ago). I did not receive any letter, etc to indicate this would be happening. To be fair, I have not used anything…
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confused credit checker
was reading through the Mail money pages last week and came across a story about a credit card credit checker from confused.com. have had a look and it seems fairly good idea, but has anyone else used it? i havent actually run a search my self yet, as i am not sure how it doesnt leave a credit footprint
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First Credit Card - advice appreciated!
Hi everyone. After having my account details and some money nicked earlier in the year and being left without any way of paying for things for a few weeks while the bank sorted it out (well, cash obviously, but it was blooming awkward!), I've been contemplating getting a credit card for such emergencies. I'm also aware…
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what card declines when at the credit limit
I am looking for a credit card that does the old fashioned thing of simply declining if its reached its limit. i pay my card off at the end of each month and only use it for the safety it provides over debit cards, but recently i got charged £16 for exceeding my credit limit by £7 to buy some chocolates for the wife.…
