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Pay Off loan or put on 0% card?
Hi i Need your advice..... please help i currently owe £3k on a card that i am about to swap for antoher 0% deal. i also owe £3.5k on a loan at 5.8% with 2 years remaining. was wondering if it made sense to swap the loan over to the new 0% card at the same time? any advice would be gratefully recieved Ant
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Financial & legal advice needed
I wonder if anyone is able to give me some advice. My partner is currently being made bankrupt for an oustanding council tax bill from 2004 for £3,753. This was passed to the trustees who have put a charge on the house and they are now forcing us to sell for to give them £40,000 (the debt and their fees). In the past week,…
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Transfer Credit Card Ownership
Hi, does anyone know if it is possible to transfer ownership of a credit card debt to a company or another person. My credit cards are high and it is all expenses I incurred doing my job, now my bill is so high that my company make all the repayments, but they are only making minimum payments. I want to know if I can…
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How do i know if i can get a Morgage?
I have just got my CreditExpert Credit Report. All my Credit Cards are good, only missed one payment from 13 odd cards. All except 2 card are settled (on £0).. I have other loans which are also showing up good.. The only issue i have is a Default from my old Bank in 2008, It says this will stay on the file for 6 Years! The…
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Spanish car hire unknown transaction
Hi, any suggestions on how I should go about querying this with my bank? In August I hired a car from Econorent in Spain, all paid on my RBS credit card there and then. Today I've just noticed they debited my CC account yesterday by £118 - no warning or explanation whatsoever..! There was NO damage whatsoever to the car…
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Barclaycard Direct Debit - one to watch!!
Apologies if this is already somewhere in the hundreds of BC threads on here. I've just been online to check the DD for this month, and instead of the Statement Amount it looks like it's set up to be the FULL amount owing - nearly double!! I'm currently assured by BC that this is an error on the web site and that the…
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Which credit card should i go for
Hi all, :confused: I am new to the credit card world and do not have a clue what certain things. I do however understand having received Martins newsletters for sometime now that purchasing things like flights, holidays etc offers far more protection etc.:confused: Im taking the kids to florida next year and i would like…
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Barclaycard Goldfish Points
What are the best ways to use (14000) Barclaycard Goldfish Points? Are there offers such as if they are spent at a particular retailer (Argos?) the reward is increased? Thanks T
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Read and beware
Just want you and anybody who reads this to be aware of a type of scam that I got entangled in.I joined a cash back site called cashback.co.uk back in March site gets you to open up credit cards,and policies with the intention of being paid cash for it.I opened up a couple of credit cards and a life insurance.The site was…
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Paying off balance of CC with cash withdrawl - statement amount or full amount?
Hi guys, quick question. My last statement I owed £305 on my HSBC credit card, £10 of that was an emergency cash withdrawal. Since my statement I have spent about £100 on it. I was wondering to clear the £10 cash withdrawal can I just credit it with £305 (statement amount) or do I need to credit £405 (the full balance…
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Strange Phone Call
I keep getting automated phonecalls saying "...if I took out any credit cards before 2007, they gaurentee to get the balances refunded and compensation paid". Now, i'm of the opinion, that they are my debts, so I should pay them off. However, I am very interested in what the scam is.... can anyone shed any light on this?…
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What card can she get?
My daughter has an RSPCA MBNA card which she put her partners car repairs on but now wants to get a new card to balance transfer it too. Which cards could she apply for to be able to BT please? xxp00
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Credit rating Issue
I am looking to soon apply for a morgage, however not sure how good my Credit Rating is..and how i can fix it? I am about to buy the report from Equifax...though unsure what one to get?? Free Credit Report or Find out your Credit Rating? Or should i be doing something else?
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When claiming insurance
on a credit card or loan for that matter if you have been made redundant, is there any sort of mark that goes on your credit file to say it's being paid off through an insurance claim or does it just show up as a normal payment..?. My partner applied for an increase on her loan at the weekend and they refused. She reckons…
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o2 money card error
I used the card to withdraw money on Saturday, their systems took off the transactions twice! They say I should get a refund tomorrow, poor service in my opinion!
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MBNA dramatic decrease in credit card limit
Hiya Just abit of a rant really. Had my virgin card for about 6years or so. I think the limit when first opened was around the £500 mark and over the years MBNA have upped the limit. I have never once asked myself for it to be raised. To the point where for the last 2years its had a credit limit of £3500 on the card. I…
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lloyds tsb CC payment protection
All i wanted to do this a.m. was to cancel this that i, in a weak moment was talked into doing 18 months ago. How excrutiatingly painful for me was it to be asked over and over again by a 21 year old who seemed to infer that i didnt know what i was doing :rolleyes: Twenty minutes later and a step further to a middle aged…
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Credit Card For Australia.
Ok, i am 20 and i have never had a credit card before and i do not have a great deal of knowledge about them. Basically, when i turn 21 next April, i will receive around £5000 that my Grandmother has been saving for me since i was born. I have just recently become unemployed and i am having a tough time finding a job. Also…
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Poor credit rating credit cards
:j HI EVERYONE, MY NAMES ANDY. FOR THE PEOPLE OUT THERE WHO ARE WORRIED ABOUT NOT BEING ABLE TO GET A CREDIT CARD, PLEASE READ ON. I HAD A VERY BAD CREDIT RATING FOR SOME YEARS AND AT 44 YEARS OF AGE I THOUGHT IT MAY BE A GOOD TIME TO START TO CLEAR UP MY CREDIT FILES. IT TOOK A WHILE TO DO THIS THE THREE MAIN ONES ARE…
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CapitalOne Cash Advance Fee
I took £150 cash out of my capitalone card from a cashpoint and paid it back 2 days later. I've just noticed they charged me £4.50 for taking the cash out (not interest). I thought it was £3...? £4.50 is a ridiculous amount.
