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Advice please
I arranged a balance transfer to pay £1,000 off my Mint credit card before the bank holiday weekend. This money was been debited from my Halifax/BoS credit card account last Wednesday and has been received by Mint on Monday. Mint are now claiming there are up to a further 6 days to wait before the money can clear at their…
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Credit Rating Issue
Got a bit of an issue where some advice would be handy please. Right, just tried to get a mobile phone contract and basically this got flagged on the check; Reason code 23 - CIFAS Victim Of Impersonation. I had to go and get a utility bill so i could pass their check and get the contract. In the end i had a dispute about…
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Reporting Barclaycard to Financial Ombudsman
Can you please guide me what my remedy might be? Barclaycard incorrectly reported me to some unknown Credit Agencies for non-payment of an amount which Barclaycard themselves have since credited as not payable! Barclaycard Customer Services point blank refused to withdraw that notification to the Agencies, claiming it is…
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egg Card-Massive Jump in APR!!!!
Just recieved an email from egg: Dear Mr MCFCFAN2009 (Changed obviously!) At Egg we regularly review all of our customer interest rates taking into consideration the following factors: • Our costs for providing credit in the current economic environment. • Customers' credit profiles and how accounts have been managed since…
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Help Another Credit Car Fraud Sufferer
Actually its my partner who this has happened to. She has a HSBC credit card, she noticed that £21.79p had gone out of her account. The transaction had been made in Leicester Dominos Pizza. We live in Leicester. No huge amounts of money but still. She phoned the bank and they told her that a transaction using her PIN was…
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bonus points for not cancelling Goldfish card
Hi folks, I did the Barclaycard goldfish £30 high street vouchers offer and spent my £100 / month for 3 months and got the £30 high street vouchers (Argos) in the 4th month. After I'd physically received the vouchers, I phoned to cancel the card and they offered me another 1000 points (£10 high street vouchers) to keep it…
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Credit Card use abroad - 0% on new purchases?
I have recently taken out a Tesco credit card which includes a introductory 0% on new purchases for 12 months. I am planning on going away for a few months and was set on using this card while I'm away (I'm not too worried about small extra costs, the convenience of not having to carry thousands of pounds of various…
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Goldfish/Barclaycard
Good Afternoon Due to financial difficulties I am currently trying to negotiate reduced payments with my creditors. So far everyone has been really sympathetic and agreed to discuss and help my partner and I out except for Barclaycard. We now intend to go down the same route as we have with all our other creditors and…
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Want to boost Credit Rating -Should I close my Credit Card?
Hi all I will admit that during my recent years as a student I have been terrible with debt. I somehow got myself accepted for a Lloyds Gold card (with a £4500 limit which I maxed out) at the age of 18 in my first year, then a Barclays student credit card (only allowed £260). I was not sensible and maxed out both. The…
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Travel Insuance cover through CC
Capital One Worldcard Travel Insurance is being pulled as of November 2009. Can anyone recommend a CC with similar cover? Natwest Black Card has good cover but at £250 pa fee. Does anyone have experience of applying for a Black Card and /or know the minimum aftertax monthly income required to qualify for a card?
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Credit card ownerships
Can anyone advise which credit cards belong to which banks ? I want to B.T. to another card but not to a one connected to my existing card/s. Any ideas ? Regards..........Plonka :confused:
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Barclays Partner Finance
Hello there I am new here, so bear with me! I bought a bed from Dreams and signed up for the 0% for a year...I should have double checked but the year ended and I've been slapped with MASSIVE interest by Barclays Partner finance, plus I just tried to change my direct debit date and they want to charge me £25 just to do…
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Ipfund is a scam beware
This company syay for £500 you WILL get a large credit card with over £50000 credit. On looking in the small print ive discovered that if you get accpeted and get a card then you have to also pay 'the london exchange'' ANOTHER £8000.00!!!!!!!!!!!!!!!!! To me that sounds like a really bad con and bad for people like me who…
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Declined application for Capital One Credit Card 6.9% pa
I have just be declined for a Capital One Credit Card 6.9% p.a. fixed on balance transfers until 1st January 2012 then 15.9% APR typical variable as advertised on MSE. I was looking to transfer my Barclay card balance of approx £2100 and then use it as my main credit card due to Barclays being a very high rate (About 18%…
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Credit Card Debt (£5,500), what would you recommend?
I've got a credit card with HSBC (Limit £5,500), it's on an APR of 26.9% or 28.9%( i cant remember properly) I've been paying it off over the last few months since i've been in a stable job at £150-180 / month, I don't use this card, indeed HSBC closed this card account without notification because i'd been in a bit of…
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Santander Credit Card
Can someone please help me, I applied online weeks ago for the 0% on bal transfers santander card, I had a letter through to say that i had been declined. Then this week i have received the Postal application form saying that I am gauranteed to received the card as I am an exsisiting sanatander customer. Should I send this…
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Amex Platinum - Cash Back Forfeited !
Amex UK has decided to cancel my card and account through "non-usage" before the cash back already accumulated was due to be paid!. Therefore resulting in my cash back being "Forfeited". They announced my cancellation by letter, dated 29th Aug. received 8th Sept, stating it was "to be cancelled in 4 days" Payment history…
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uk debt whilst living abroad
Advice please, I have debts with various ccc's back in the uk amounting to approx. 15k.At the moment I have an aggreement with them all and am paying a very small amount off each month without interest being added.I am currently living in the ROI and am looking to move to Australia as soon as possible with my wife and…
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question on tarting
hi hope you guys can help. just wondering if it matters who's credit cards you pay off when tarting. my wife has several cards in her name and we would like to clear them and do some tarting. One of the best cards for this seems to be the virgin one but she already has a virgin card. Can i get a virgin card in my name and…
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Advice Please - Am i doing the right thing
I am trying to pay off my existing credit cards, so far i have paid off one in full and transfered one of the blances to my Virgin Card. I therefore now have a card with Virgin 4k balance & 5k limit and one with Barclaycard 2.5k balance and 3.5k limit. I havent spent any money on wither for about 6 months and i am paying…
