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Different credit cards from MBNA
I used an MBNA credit card to transfer the balance from a RBS card in July 2008. I was not aware of this site and didn't know about the "never spend on a balance transfer card". In fact, I was so dumb, I wrote out cheques for around £20 without realising there was a £3 per cheque fee. I'm not a bit more knowledgeable but…
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I have a amex platinum card how do I redeem the cashback
I have had a amex card for several months and a significant amount of cashback has built up how/when can I redeem it?
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Equifax credit report - parents mortgage!?
My Q is about who is responsible for the data shown to you when you check your credit report. Is it the Equifax or is it the bank that releases the info? I thought I'd check my credit report out on Equifax and found under 'Credit Agreements' details of my parents mortgage over the family home?! (i moved out 2 yrs ago). Its…
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How long do defaults last
Hi folks, basically i got myself into a major financial mess in the late 90s early 'noughties' which resulted in me borrowing from peter to pay paul.. It all came to a head in late 2004 early 05 when i defaulted on all 5 credit cards I had .. total amount nudging 30k. Gulp!.. However since then Ive been paying back around…
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Bank error in my favour???
Advice needed please. 14 months ago I bought a used car and paid by cheque. The vendor is known to me, a business associate. He banked the cheque promptly and was credited by his bank. Now 14 months down the line, I had a phone call from his P.A. saying that the cheque has been lost in the clearing process and my bank have…
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Searching credit history - is permission needed?
A couple of days ago I bought a £12 bracelet from 'Very dot com' (I'm new to the forum so I'm barred from posting the actual URL) which is the new name for the Littlewoods catalogue's online store. For anyone not familiar with how catalogues like Littlewoods work, traditionally they require you to set up a credit account.…
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Vanquis Min Finance Charge
Just got my statment yesterday and after looking over it I noticed a min finance charge of £1. Anyone know what thats for? I pay my balance off in full every month, is that a way for them making some money? Cheers Paul
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MBNA Rewards Amex
Hi Does anyone know the criteria for the MBNA Rewards Amex? They are quite strict in accepting you? Was wanting to apply but not sure if they have specific income requirements and didn't want to waste a search. Thanks
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Vanquis Card - didn't work 1st time i used it!
I recently got a Vanquis Card, went to use it for the first time today and it didn't work, it wasn't authorised, tried it in another shop - the same! I was so embarrassed. Rang Vanquis when i got home and they said the first shop had a faulty card machine which had caused my card to be blocked hence why it didn't work in…
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e platinum plus & the first premier prepaid mastercard
I was just on facebook & the above flyer popped up http://www.creditapproval-uk.com/approved/index.php Now I rang this company to see as it states it reports to credit bureaus upon calling them their american operator stated call credit. So I rang call credit who would not disclose yes or no if they report e platinum plus…
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Someone has paid my visa off by accident where do i stand ? please advise
Someone has paid a thousand pounds on my visa by accident and i want to know where i stand before i contact my visa company
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Advice please
I have a couple of 0% deals coming to an end soon, I have the money to clear the balance but want to make sure I don't get stung for any interest. So if my 0% deal expires on 14/11/09 I take it that means interest will start accruing from the following day and I therefore have to clear the full balance by my next statement…
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URGENT! Is fitter warranty covered by card if fitter goes bust?
Hi We have only 7 days to cool off so quick replies are most welcome! We are just about to have extend-a-room build us an "extension". They offer a 5 year guarantee but it's not underwritten by any body. My question is, if we pay for the work on credit card, will our credit card cover us in any way if extend-a-room go bust…
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Balance transfer twice??
Hi all I currently have two credit cards. Credit Card 1 has £1000 and i would like to transfer the balance to Credit Card 2 which has 0% on transfers. Once I have done this can i use Credit card 1 again to buy something and then transfer the balance again onto Credit Card 2 to take advantage of the 0%?? Cheers James
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Mistaken identity -same name and DOB
http://news.bbc.co.uk/1/hi/england/berkshire/8310131.stm I have to say that it's rather unfortunate that you got someone same name and DOB who just happened to owe debts! She had to change her name by deed poll. I suspect this is rather more common than people think. Has anyone been in a similar situation, and care to…
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Capital One - Increased limit with signature?
Hey guys, can anybody tell me if possible, if it was right for Capital One to increase my credit card limit from £500, to £1100 without a signature? basically am in a big hole at the moment with money complications and problems. I have only just got out of my outstanding balance with Capital , Paid them £120. at end of…
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EU Law changes direct debits???
HI I was surprised today to find AMEX had taken their direct debit a much earlier than payment as due, it used to be 3 or 4 days before. I phoned them, they said EU law required them to take payment 14days after the statement was created. So for example Statement created 29th Sept, DD collects 13th, but payment date is…
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virgin credit cards
Did anyone know that virgin credit cards only give 18 days to pay from statement date to payment under new conditions allowing for our postal service this will not allow much time to pay and then they will want £12 lots of money for them again banks win and win again :mad:
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Going back to an old card provider
I posted this question here about CCs but actually it's just as applicable to current accounts and more. My question is this: Do banks/credit providers - aside from making decisions based on credit records - blacklist former customers who have been 'problematic' in previous years? I used to be with Barclaycard (9 years…
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Alliance & Leicester Zero Card application problem
I received a mailout from A&L offering the Santader Zero card , with a no fee balance transfer. I sent off the application, but did not get a reply. I phoned the number I had been given, and got throught to Abbey. They said they had no record of my application, and needed to call A&L. They gave me a number to call, but…
