-
Call from 'bank' about an unknown CC
Hi all, hope you can offer your opinions/advice on the following story. The first thing to note is that the person this story concerns has never knowingly taken out a credit card. My friend received a telephone call on her landline the other day. The caller said they were from her bank (Lloyds) and it was regarding a…
-
transfer my debt to new card in hubbys name??
hi there took out a credit card when i was working full time before baby arrived. me and hubby bought a new house and so have a few 1000 on the credit card in my name. i cant get a balance transfer as i now earn too little to qualify for a credit card. is there any way of hubby getting a card and transferring balance from…
-
Fraud on card
Just tried to access my Barclaycard online account to make a payment. Not able to get online and given a number to ring which turned out to be thr fraud department. My card has been used fraudulently to the tune of at least £1Kin the last 10 days or so. Good on them for spotting it. Now I never use this card in shops or…
-
Can i spend on my card....
while claiming insurance for being made redundant..?. I was wondering if i did say just a small amout of say £5 for petrol if i am short one day, would this stop the monthy insurance payments they are making to my account...?
-
Fraud Warning High Wycombe Area
Used your plastic in the High Wycombe area recently? If so check your statements: "Thames Valley Police has called in a specialist crime unit to help crack an outbreak of credit card frauds in the Wycombe area." Click here for article: From Bucks Free Press. Tip: If you're never going to use your Credit Card to make a cash…
-
Sterling credit card with non-UK address
I have a SAGA Visa card serviced by Liverpool Victoria, offering no commission charges on Eurozone purchases, which is important as we live permanently in France with no UK address. SAGA has now left LV and is using Allied Irish Bank, but AIB say they cannot offer us a new card as we have no UK address and they cannot…
-
Personal Credit Limit
HI, I have four sources of credit. 2 overdrafts and 2 credit cards. Last month one of my CC's upped my spending limit by £400. This month the other CC provider lowered my limit by £400. I talked to them and they siad it was out of their hands, it was in line with the "responsible Lending" scheme. I was told that each…
-
Barclaycard Late Payment
Barclaycard payment was due on 24th Sep. Suddenly remembered last night and paid through Barclays online banking at 11 pm. Received call from BC today whilst filling car and said I'd ring them back. I checked statement online and payment made on 25th so too late. I rang BC and here is my gripe. " I can put these payments…
-
Virgin credit card
Hi everyone. I recently applied for a Virgin credit card - the one with 0% for 16 months on balance transfers. I have approx 1k on a credit card and due to interest and PPI, I'm paying around £30 per month on that alone. I'm trying to pay £70-£100 per month on the card, but I applied to Virgin so I could balance transfer…
-
Experian Report: Hubby's Bad Credit Not Mine!
Recently refused credit so got Experian report which shows the bad credit is my hubby's! It's a Nationwide bank account that was opened in joint names but I NEVER used it, not once. (Opened in both names because he couldn't get a bank account years ago, and I could!) He defaulted on the account when the bank decided to…
-
RBS have incorrectly re-registered an old Default - Advice please!
I've just paid for my Experian credit record, having not checked it since June 2007 when I had to get some old records corrected or updated so that I could get a new mortgage deal. I was shocked to find that, in the 2 years since I last checked it, RBS have re-dated a Default to 2007, which I had with them when I was…
-
CREDIT AGENCIES - Defaults
I have a default dated 30 Sept 2003. I believe that this should come off my Credit Report on 30 Sept 2009. Does agency remove it automatically and how long does it take before the entry no longer appears.
-
should I leave some money on my credit card to improve my credit rating?
I've never really borrowed much money in my life (except from parents!) and I've been told that this may mean I won't have built up a credit rating, so may find it difficult to get credit in the future - epsecially large amounts like for a mortgage. I've had a credit card for a few years, but until quite recently always…
-
Barclaycard accepted then rejected?!
I recently had my APR increased on my existing credit card so shopped around and decided on the Barclaycard life of balance card. I applied, was accepted and recieved the card yesterday. I phoned to arrange the balance transfer and was told that the card had now been cancelled :confused: After phoning three different…
-
If I threaten to move bank accounts, will they give me the credit card I want.
Hi, I am a Lloyds TSB customer and have been for two years. I have had a basic credit card with them for a year now, and have never been late for, or missed a monthly payment. In fact I pay it off entirely most months, including this month. However, despite this, everytime I apply to upgrade to the Airmiles DUO credit…
-
Barclaycard Mercers and token payments
Hi, just looking for some advice on the next step to take, my partner is currently unemployed and entitled to no benefits as I work full time, so she has zero income. A letter was written and faxed to Barclaycard offering token payments of £5.00p/m which I was willing to pay for her by standing order. The account was then…
-
Protection from fraud
I have recently been a victim of fraud and now considering using a credit card for all my purchases to give me more protection. What are the main differnces between CC and DC in the level of fraud protection? Can anyone recommend the best credit cards available at the moment (I would be paying it off in full every month).…
-
Capital one £1000 credit limit now £1500
I have got my 4th statment today and its gone from £1000 to £1500 for those that were wondering before.
-
How to remove a search from file
I have a search on my Equifax from Capquest dated 28/04/2008. Obviously this is over a year old and surely it should have been deleted? How do I get it removed as it mentions the reason for the search was 'outstanding debt' which I think is derogatory to my file.
-
Buying foreign currency on a credit card?
I'm just about to go on Holiday - I've got a 0% on new purchases credit card. But if I buy foreign currency before I go,will it count as a purchase or a cash withdrawal? If it counts as a cash withdrawal then I'll get charged a fee and a high rate of interest?
