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Fraudulant transfer from cc to bank account
Hi I have a Virgin credit card with a zero balance that I havent used since March 09. Today I had a call from Virgin about a £1 transaction followed by a £30 in London which they wanted to check was legitimate. It wasnt and it turned out that a week ago someone had phoned them and carried out a £1700 transfer into a Lloyds…
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Any advice appreciated.. Virgin Credit Card and balance transfer
Hi all, I am new here and this is my first post, I hope you can help me and give me some advice as I am unsure what to do :) I am self employed, and I currently have an overdraft in Llyods TSB of £913.01. The problem being that I am being charged an average £15.00 a month just for using my overdraft facility. This is not…
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Overseas PPI
I got a barclaycard nearl twenty years ago but moved to live in Ireland in 2000. Never really questioned the PPi every month till I was looking at the barclaycard website for another reason, and noticed that the terms and conditions for PPi state that it is only available if you live in the UK. Does this mean that I can…
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'Bad Credit' Credit Cards Article Discussion
This thread is specifically to discuss the content of the article: 'Bad Credit' Credit Cards Use them to rebuild your credit rating To discuss or ask a question about this article: click reply
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Virgin Credit Card
I took a credit card from Virgin about 5 month ago now i have checked my statement and they have been charging me for lifestyle protect insurance. When they called and gave me a welcome call i told the agent many times i did not want insurance as i have it elsewere but its on there anyway. I have e-mailed them and told…
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Help required
Hello All, I have a Capital One credit card, and yesterday I received a letter from them telling me that they will be increasing the standard interest rates in my agreement to 18.44% pa. After searching the credit card part of this site, the general rule seems to be, yes transfer your balance, but do not use your new card…
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Anyone been refused by JD Williams?
I think I may just have been declined by them. I applied 3 weeks ago and was told my order would be with me in a week, but no order and no letters from them so I called them up and was told the order had been cancelled by credit control. I was given their number to call but they aren't open at the moment so it'll be…
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Credit card companies taking advantage during recession
Capital One just sent me a letter saying interest rates go up to 32.03% p.a. variable from 22.55%. And I thought 22.55% was bad. The base rate has gone all the way down to 0.5%, but credit card companies are putting the rates up nearly 10%. I have no no doubt the reason is to take advantage of people who have dire finances…
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Threatening CCJ
I have an M&S credit card which I have been unable to pay for the last few months, they have passed it onto a debt collection agency who say they will commence court proceedings. I have been in full communication with M&S about my inability to pay at present and they know this is temporary (until Jan 10) and they also know…
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Requesting Credit Increase
Do any CC do automatic increases now or do you have to ask? I asked Flybe and they said they could after doing a credit search...would that be a recorded credit search...I don't want too many of those.
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Halifax Cashback points cancelled
If you have an old Halifax Credit card that gives Cashback, you'll probably find that the rate has dropped from 1% to 0.25%. That's bad enough, but each September they cancel your cashback points if you haven't earned more than 1000 points (£10). Looking at the September statement, they don't seem to even calculate the…
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asos saying i'm high risk!!
Asos (online company) sent me this email when I placed my first email: I am very sorry if my previous email was unclear as this was not my intention. Regrettably, due to linked negative activity on our systems (please note, this is purely based on activity linked to ASOS.com and no further companies), we made the decision…
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minimum payment
Hoping someone can give me some advice! I have a student credit card with natwest, which I have a direct debit for the minimum payment every month, which I have never missed. However, when I checked my statement (which I hadnt done for a very long time....) I'm now over my credit limit due to charges for not paying enough…
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payment date
i am looking to make a payment on my sainsburys master card can any one tell my how long it takes to prossess. statment usualy arrives 1st of month so next one due 1st november will this payment be on my next statment.
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Santander Credit Card
Hi guys... Well i applied for a santander credit card online a whle back, it was declined. Then i got a credit card application in post for the excat same card which garanteed that i would be accepted.. Bizarre i know, but I sent this off quite a few weeks back. Anyway on friday I have received my new pin for the credit…
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B.O.S and Paypal problems
Hi, hope I'm posting this in the right section. Basically, I'm a student that just has a simple current account with the Bank of Scotland and isn't really overly interested or clued up in banking. I'm happy to keep things simple and that's worked fine for years. Now, in the last few months I've encountered a couple of…
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Egg - Loan or Credit?
I have an Egg credit card at it's limit, and I had some frequent missed payments. Egg told me they will not be renewing my account (fair enough). I have now got back on track, and for now am making the minimum payments (balance is about £1500 below the limit). I have got some independant financial advise, and was advised…
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sainsbury's credit card?
anybody here applied? ease of acceptance? and do they give decent limits as im after the 0% for 10 months. any help much appreciated. Also does anyone believe it would be easier to be accepted by applying over the phone in person or online? Thanks
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MBNA Settlement
Hi Guys, I have had a settlement agreed on my MBNA credit card. My current balance is about £11,300 and they have agreed to accept £8000. Can someone tell me how I go about getting it marked as a full and final settlement? When I last spoke to them to request the agreement in writing, they told me it will show as a short…
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ASDA Credit Card Help! - Still no card!
Hey guys, I applied for an ASDA credit card on the 7th of september. Within a few days I received my PIN no problem. Two weeks later, still no card so I call them up, saying I should have received one so they said they sent another. Here I am today, still without a card?! I wanted the card for the balance transfers, it…
