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Egg - scandalous interest rate increase
Hi, I'm outraged!!! Outraged enough to finally join this forum and vent my anger as well as seek some advice. Egg sent me a mail yesterday stating that from next month my intrest rate is increasing from 19.9% to a SCANDOLOUS 26.9% I have quite a high balance (long story, don't criticise!) so this just seems to me to be…
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Need help with my credit rating???
Hi to everyone basicly i am a student and sadly i took out a student account and natwest have been a pain with me and ok well long story sort they have defo messed my credit rating up have a strong hunch.. In the last year or so I have had 2 credit cards: * barclaycard student credit card * american express cashback card I…
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Experian can't find me...
Hi all, I'm not sure if this is in the right place but thought there may be someone around who could help me! I've tried twice to find my credit file using Experian, about 4 years apart, the latest time was about 2 weeks ago. Both times it's told me that it can't find me! I don't understand why, I'm on the electoral roll,…
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bank wont offer a visa debit card
Hi i got into a small amount of debt 4 years ago with a catlouge, which has now all been paid off, i am with barclays bank who i cant stand so i moved all my ages into nationwide i'v now had a account with them for just over 2 years it's a cash card not a visa debit, i was turned down for a visa debit card last week they…
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Aqua question
Hiya, i have applied for an aqua card to improve my credit rating but am having a few issues. because i moved in with my fiance a few month ago, i have only so far transferred the address of my capital one card over to new address. havent got round to bank account etc. my driving licence, passport etc cost me too much to…
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Lloyds TSB card charges
Hi I had a Lloyds TSB Trustcard which I last used in 2005 and always paid off in full. In 2007 they sent a new card and charged me £35. I rang up and cancelled the card, losing my loyaltyy points and preventing the card from being used. However the £35 annual charge for not using the card stayed on the account. They didn't…
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experian mess up?
hi, checked my file today and it appears there is a mess up. I dont have any entries from bank of scotland, they used to be on there. any body else missing all this, so i know if its just me or BOS' end? its reduced my outstanding debt by like £6000 ( overdraft, loan and cc). so if this was a !!!! up by the BOS would that…
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Settling a credit card?
just wondering, has anybody ever just rang up there CC provider and asked if you can settle the account there and then but for less than you actually owe? So if you owe for e.g £3000 but pay say £2500 to clear and close the account? Suppose it gives them the £ straight away instead of chasing you for min payments or even…
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whats going on with nationwide????
well after reading certain threads on here, I thought I would post my own dealings with Nationwide. With no problem at all, I maganged to get a gold credit card. Everything is going well until they start to charge me interest on my payments, even though everything is paid on time. They agree this was a mistake and refund…
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New card or not new card? THAT is the question! Help needed plz! :)
Hey everyone, 1st post so plz be nice :p OK so i figured this would be the best place to ask this question as im really not sure what to do to get the best outcome! Im 24, graduated last year and have been working full time earning a good wage as a driver since january. I've been saving every week in order to go travelling…
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Unable to pay off Capital One
Hello everyone. I am a student with a maxed out Capital One credit card with a limit of £1800. I start university later this month and due to my poor credit rating, I have been unable to get a student bank account. I actually maxed out my credit card a number of months ago when I was living by myself with very little…
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Shell Citi credit card
If you fill up with petrol from a Shell station this card gives a 3% refund and for all other purchases it refunded 1%. From October 1st this will change and refunds for filling up at Shell stations will reduce to just 1% and other purchases will only realise a refund of 0.25%. What a poor show!
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Abbey ISA, cashing in on apathy
We all know that relying on financial institutions to look after your interests is pretty dumb. I was still shocked when I called Abbey to check the rate on my Direct Cash Isa. This is necessary as Abbey does not contact you when the rate changes and you only receive a statement once a year. I was receiving 0.3% on the ISA…
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Balance Transfer to my husbands Virgin Card
Hi, I have looked at all the Q&A on the site and cannot find anything. What i need to know is can my husband Balance Transfer my Barclaycard balance to his 0% Virgin Card ? Many Thanks !
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Virtual debit cards
Which virtual card (visa or master) do you use/prefer? Which is the best or most inexpensive service available? Did anybody try services like entropay, epassporte etc.?
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How does a company attatch a debt to...
a property ?
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Same account, different CRA info.
I'm in the process of getting an Arrangement to Pay marker removed from a closed account that shows on Equifax, as no arrangement was ever made and contractual payments continued on schedule. (I'd informed the lender about financial difficulty, but it was resolved). The odd thing is that on Experian the same month shows as…
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Barclaycard Credit Card Fraud - URGENT HELP!!!
URGENT help needed for my poor brother!!! He's had nearly £7000 of fraud on his Barlcaycard. After a month of Barclaycard investigating, they have decided that as no one could have got hold of his card or pin, then it is not fraud and he must pay. He has had his card in his possession and no one knows his pin (not even me…
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Reduced Settlements / Debt collectors
What does a debt collector pay for a credit card or loan account ? I would like to offer a number of companies a reduced settlement - does anyone know what sort of amount you can actually get a debt collector down to ? Thanks
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Advice needed re Halifax Card
Completely true this. I had a Halifax Credit Card that fell in to arrears. It was paid off, by reduced settlement by my father. Two or three years later, a new card came thru on teh account that was presumed closed. One thing led to another and it was in arrears again. How can they issue a new card and tempt an addicted…
