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Balance transfer, should I go for it?
I am thinking of applying for a balance tranfer card, possibly Virgin. I am a bit hesitant about it. I have never done this before. I owe about £1200. on an Argos Mastercard with a £2000 limit@ 25.9apr I also have a Barclay Premier Visa card with a balance of £1700 with a £2500 limit I just checked my credit score with…
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disputed transactions on Barclaycard
Hello all, I do hope that I am posting this under the right section. I ordered some cosmetics from !!!!!!!!!!!!!!!!!!!! back in September. I placed four separate orders, none of which have arrived. When I went to pay a message came up saying I had a Paypal account and did I want to login and pay through that. I used the…
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Paid balance in full but still owe interest?
I paid the full outstanding balance of my credit card last month (over £4k). The payment was due on 30th of the month, the payment was credited on 20th of the month. So how do I owe £18.23 in interest? I don't usually pay the full balance off, so I've not come across this before. Does this mean that I'll still owe interest…
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My credit rating.....
is pretty awful, I checked on Annual Credit Rating UK and have 1 star out of 5. This has caused me a few issues as lately I have been trying to obtain a 0% credit card to try and reduce debt I have on my current Halifax card. I was rejected by many companies then out of the blue I was accepted by Virgin Money. I then…
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Virgin credit card DOUBLING their APR
I have a credit card with Virgin (provided by MBNA bank, it seems). I got it about 2 years ago to transfer a massive balance on to, for 12 months interest free. I transferred around £4000 onto it, and managed to clear almost 2k in the 12-month period, so it served me well. After this period, the APR went to 14%. Fine, I…
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Leasehold flat
Does anyone know who is responsible for enforcing the rules set out in flat leases,we live in a flat in a converted house,which is made up of five flats. Some of the residents are contravening rules by renting out their flats and carrying out illegal building works Cheers Robin
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Clear your Debt Comapnies for Credit Cards
Hi All, advice required please: I have contacted 2 companies about clearing my huge credit card debts pre 2007. Both companies sound convincing, but i'm not sure which one to use. One is Cento Client Review who has taken an initial fee and the 2nd is CYD revolution- who charge 10% of the total debt outstanding. Has anyone…
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Lloyds TSB card - close or keep?
We've got an empty Lloyds TSB credit card with a £6K limit - should we close it or hang onto it in hope of a 0% balance transfer deal?
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Credit File: credit card company query
I get free Equifax credit file alerts due to my Capital One credit card and have recently been sent an alert stating that: Has anyone ever heard of this company or know what brand credit card it could be referring too? I can't recall applying for any credit cards recently - and with all the other credit file entries, its…
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Barclaycard's mean credit limit ?
I recently applied for a Barclaycard which I intended to use to purchase a self assembly conservatory kit costing £3,800 so that I would have the purchase protection in case of bankrupcy of the supplier or other dispute over the product. I have had Barclaycards in the past over a period of over 20 years from the late 1970s…
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Vanguis Fraud Procedure.
Anyone help a Blonde in distress? :hello: I had a call from Vanquis fraud department yesterday because they had been alerted to some suspicous transactions on my account. They have blocked the account and issued a new card but i need to clarify the procedure from here. I always paid in full by DD so i have cancelled the DD…
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barclaycard goldfish card. help!
Hi there, Last night I applied for a goldfish card. I didnt realy need it I just wanted the £30 of free vouchers! I am earning 18000 per year, which is what i put on the application form (online). It said I was accepted and would get the card in the next 5 days! However I have just read on there website you need to be…
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Beware of the Barclaycard Survey!!!
I quite recently received a request online in the form of an email to join the Barclaycard Survey. Quite innocently I completed same and a couple of days received a further email with a link asking more questions. The next thing I knew was they reduced my Credit Limit on my Credit Card from £4800 to £2000. The type of…
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Can i pay of HP with Credit card?
Is this possible as i want to pay off a car loan(HP) by transfering it to a 0% credit card. I thought i read somewhere you can't pay off debt with credit? Thanks.
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Visa Debit Card & Declined Fianance
I tried to purchase a TV today on finance and was declined for an unknown reason. I have had the card for around 2 years and the residence ive moved into for about 4 years. I have bought few mobile phone contracts in my name in the last few months for me and my brothers/sisters without any issues. Any reason why I have…
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how much minimum to pay?
with a nat west credit card taken out 3 weeks ago on a 6 month interest free deal with me spending approximately £150 how much would i need to pay as the minimum payment on my first monthly statement?
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balance transfers and minimum payments
hi everyone, my girlfriend has just done a balance transfer from an abbey card. she has transfered most of the balance to a halifax card. my question is that she has just received an abbey statement showing no balance has been transfered away from the card, so im assuming the statement must have been sent before the funds…
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Halifax & BOS All in One Card
Hi, My wife has Halifax & BOS Current Account and last month there was an offer on the website saying "Guaranteed Approval" for a Credit Card. She applied for Halifax one and received it. She then went and applied for BOS All ine One Card. She received letter from BOS 30/09/09 saying it has been rejected because the…
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section 75: how long to investigate?
I bought a suitcase abroad for the ridiculous fee for £125! I assumed at least it would be of a sufficiently robust quality. Needless to say I was not very happy to see it had not survived it's first plane journey home. It was completely mis-shapen and had tears in a number of places. Rather than getting involved with the…
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Will my credit history be damaged?
Hi, I've just got a new current account with Alliance and Leicester and some how I have asked them to put an application in for their Santander credit card at the same time. I received a letter saying that I have been declined etc. First off, will this failed application be on my credit history and make me look bad to…
