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Linked addresses on credit report
I have just checked my credit file and have found that now Experian have changed my address (i moved recently) I still have 21 linked addresses some dated 2002 Two questions should these be removed? Does it hinder my ability to gain credit having them on there? As mentioned in another post When Experian altered my report…
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Declined Credit Card - Advice Please
I currently have two credit cards both of which have now reached the end of their 0% BT deal. I applied for a Santander card and unfortunately been declined. I have spent the past 6 months trying to get my credit report sorted out and to date have never missed a payment on any of my cards. I have only just been added to…
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Credit Card Interest free period cancelled
Hi, I usually pay my CC bill off every month, but last month I made a mistake by paying the previous month's amount instead. This oversight meant I underpaid by £175, but it also landed me with £20 in interest payments which I thought rather high on £175. But It appears that any underpayment results in the interest free…
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Credit Cards and Alzheimers/Mental Illness
Hi My Mother has Alzheimers Disease, early in her diagnosis she ran up quite large credit card bills which my Dad has been trying to clear for the last 5/6 years. I've been told that there was a change in the Mental Health act which meant that people in these circumstances could 'do something' to get debts written off (the…
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Barclaycard Platinum Simplicity Credit Card
Hi, Has anyone applied for one of these cards? Me and my partner are thinking of applying for one but are wondering if it asks you how much you wish to transfer when you are applying. We wouldn't want to apply for one of these cards if the limit wasn't enough to cover the debt. Thanks :confused:
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Natwest credit card identity protection
lets me start from the top, few months ago i was infromed by my bank that my online banking account had been logged into by someone from Africa but nothing had been took at the time and all my passwords, pins etc was changed i brought a a better firewall softwear bla bla. But a few weeks ago someone had used my credit card…
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New Capital One Cards
It looks like they have added 2 new cards to the lineup http://www.capitalone.co.uk/creditcards/credit-card-range.jsf
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Hitachi Capital UK
Hi peeps, Hope you are all well on this lovely autumn morning. Has anyone heard of the above or had any dealings with them? How would you rate them, good or bad etc? Mucho thanks x x x
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Egg card
Hi guys, I am hoping you might be able to shed some light on my Egg card. Last year I had some problems with my Abbey bank account. For some reason Abbey kept refusing to pay DD's and SO's (Anyone who has experienced Abbey knows there new system is a shambles and still not running properly) Anyway this meant my Egg…
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Credit Cards abroad
Hi, I have never had a credit card before as have always relied on my graduate account overdraft. I am going abroad for 6 months and was looking into a credit card although I have no idea which one is good for transactions abroad. Also as I have never had one before and only plan to use it for emergency purchases would it…
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Credit Card query - what should I do with Balance?
Hi All Just a quick one - I have a Halifax One credit card @ £5000 limit - pretty much maxed out. Wanted to Bal Xfer it but can't seem to get a card. Credit Rating ranged from 750 (current) to 900 (before I applied for a Nationwide card 2 weeks ago) from Credit Expert. I pay their annual fee so I know if my file is…
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Vanquis Direct Debit
I have a direct debit set up with Vanquis for minimum payment. I changed banks, so gave them plenty of notice for changing my details. They have sent me out a confirmation letter with my bank details on and I can see the DD is set up on my bank's online banking. However, my payment was supposed to be taken 'on or just…
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Existing egg standard bt rate
Does anyone know what the standard egg tranfer rate is and whether they charge a fee. I cant see any offers on my account other than the standard purchase rate of 16%. I need to clear a balance on another card to try for an existing customer deal so just want to transfer to egg for a few days but dont want to get hit with…
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Credit Flex
Does anybody know any information about this system of banking/credit cards ?? Anybody had any experience with it??
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AMEX Late Statement?
Hi guys, Is anyone else waiting longer than normal for their AMEX Platinum Cashback statment this month? I have had my card since August 2008, and have always had my statement on 7th month (or 8th if the 7th falls at the weekend or a bank holiday). However as of today, 13th, there is still no sign of it. I can't get to a…
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GE MONEY and Viking collections
Hello, I have had a GE money edge store card for about 4 years now. During the last 4 months especially things got hard and i started ignoring mail. most of my other committments got paid however this one slipped under the rader and it would appear ive missed payments in july august and now september. Having opened up my…
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IKANO (Ikea) has wrong date of birth on my credit agreement?
Hi all Just wondering where I stand with this - should I make a complaint? I called IKANO to make a payment on my account, but was not sure what the minimum was (I bought a lot from IKEA on a 0% deal). When I called it didn't tell me what the minimum payment was, so I went through to an advisor who explained that my date…
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online buying!!!
Hello. Am in need of some advice. I am wanting to buy a conservatory from a web based company. I am slightly concerned as they have no showroom as such for me to go to. They want 50% of the money up front and the rest before they deliver. Now if I pay and receive no goods, where do I stand? Please help :confused:
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Wescot and iQor chasing same debt!
Hi, I have a Halifax CC which because of one bounced DD and them not having my new address on file meant the account went into default and they sold it on. I have been paying Wescot the balance as agreed and have never missed a payment, over £800 paid off now. But today I had a letter from iQor chasing the same debt and…
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Transferring balances between cards
I'm in a bit of a dilemma and thought you guys on the credit cards board could enlighten me. I've been on 0% for a few months with Barclaycard basically I wasn't charged interest on my balance (currently £4,133.02) for about 6 months, and now they have just started charging me 12.28% on all of my balance. My dilemma is…
