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Lloydstsb Airmiles Duo admit they have problems
I made a payment via Lloyds internet banking to my Airmiles Duo account a few months ago for quite a substantial amount to reduce the balance and avoid interest. Luckily, I checked my credit card statement and found that the money had not arrived. The money had been taken out of my current account though. It seems…
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What address to put on application?
I am living in a flat, have been since April, and will be here for another year at least. I am paying council tax at this address. My bank details, car insurance, everything really, are still all registered at my folks house. Am I best to still us e their address for applications, as I was staying there for avor 20 years,…
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Virgin CC - late payment and 0% withdrawn
Hi everyone, This is my 2nd time attempting to post this so hopefully it works this time! :-) A couple of months ago I applied for a Virgin CC for the 0% BT offer, with the idea that I would transfer all (or most!) of my existing debts and therefore find it easier and quicker to pay it off. Virgin gave me a limit of £3100…
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Egg Money Oddity
I pay off my Egg Money in full every month, but had a look today and the payment collected was £25 less than the full amount. I scratched my head and finally worked out that at the train station I bought a railcard for £25 but the bloke made a mistake and I had that transaction refunded for £25. That £25 refund explains…
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How to stop web site charges
I cant cancel a website subscription and want to figure out a way to stop getting charged without cancelling my credit card account. If I report the card stolen and get a new card with a different number would this stop it getting charged? Thanks for any info
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Refunds by cheque
Hi, I was under the impression that it was a requirement that credit card / debit card payments were refunded back onto the card that they were made with, rather than being issued a cheque!?! I have no idea why, but I thought is was some anti money laundering rule, but despite searching the net, all I can find is people…
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APR temporarily dropped to help me maintain payments, will it effect credt rating?
Virgin have agreed to reduce my APR for 6 months to help me maintain my payments (I explained that I was going to struggle to meet my next payment and they passed me through to a dept that went through my outgoings and then agreed to reduce the rarte fior 6 months) . Anyway, what I'm curious is whether it'll have any…
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Best balance transfer for low earner but with high earning husband
Hi, Does anyone know a good credit card provider for a 0% balance transfer. The debt is already on a 0% Virgin credit card. My friend is a married woman who is on a low income, but her husband is well paid, although she doesn't want to get the card in his name. She is a named owner of their house. Thanks
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Visa credit and debit logo confusion = costly cash advance!
I'll just paste the letter I've just sent to my bank, should explain the story! Ever since the new style "Visa Debit" card arrived, I knew I'd have to be wary which one I was using. However, when it's dark, raining and you're in a hurry in a foreign city, it's not always possible to think about whether you're looking at…
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clubcard
Hi all,can anyone help, as there seems to be a mix of opinions. What is the best way to get the most clubcard points? I have a finest card wich I get 1 point per £2 spent. At the moment I hand over my clubcard first then pay with the credit card. Another factor ismy wife has a staff discount card which is linked to the…
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Vanquis Help
Hello I have has Vanquis card and have had it for about 3 years it has not been used for about 1year and 6 months but i am always over drawn and am constantly being charged, i am trying my best to make the payments to pay the card off but find this hard as i get charged 36 pounds almost every month, would like to try and…
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My life time balance transfer rate has been hiked
Hello, I've a Capital One credit card which I've used for many years. About 18 months ago I took out a 0% for 12 months deal. I called them in June this year to find out whether they had any life time transfer rates I could migrate to. The operator informed me that they could move my existing balance plus any further…
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original copy of terms and conditions
I have asked citifinancial for a original copy of the terms and conditions of my credit card, but because it has been sold to first credit they say they cannot supply a copy, Have they by law got to supply an original copy any info would be helpful.
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Which card to transfer from virgin
Hi My other half has had a virgin credit card for there 0% interest free offer on balance transfers... Which was going fine, until he paid his last payment through the bank & it was a day late! Following this virgin have now withdrawn the interest free period!!!!! Harsh i think as it was a geniune error. So looking to…
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The hotel from hell
Hi, My wife and I are currently in Paris For our anniversary and have booked the hotel from hell! One night in and we want out ( the Walls are so thin you may as well sleep In the street (or at least try to). We haven't slept a wink on this our first night so we shall be leaving this morning and finding a better hotel. My…
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Mis-sold Credit Card?? HELP!!!
I went through a separation approx 4 years ago, and ended living alone with my daughter and on benefits. I went over my authorised overdraft once, and because I didn't have the money to get myself back into credit, got charged £90 (which they would take out of my account the following month). Obviously, with a low income…
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ppi help
Hey I was mad redundant from my job in September and decided to claim against my payment protection on my capital one visa card. I haven't been able to make any payments as I have had no income and still waiting my JSA claim to be processed. I have been getting charhes for non payment and goin over its £100 limit even…
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CC default
Hi everybody, I, recently got a letter from halifax one, saying that I'd defaulted on a payment which I wasnt aware of. Basically, on the 15th of september I paid £50 on my banks website (halifax) and on the 16th of september they generated the new bill (I didnt realise I'd actually paid it early), but thinking I had…
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Mobile phone contract at credit file
I was wondering if mobile phone companies report the monthly fee you pay to CRAs. I can see my H3G contract but it reports payments as 0.
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Charged cash handling for deposit in a betting account
Hi, I've been using my credit card (perhaps foolishly some might say) to deposit money into on online bookmakers. It has been lots of small (£10 - £20) amounts. I used to pay the minimum off by direct debit at the end of each month and as such never checked my online statements (again foolishly). I'm now clearing all my…
