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Irresponsible lending and how to address it
Been looking into my parents finances since my dad was admitted to hospital. Absolutely astounded that my parents (both 61 so my mum is already of pensionable age) and both earning barely above the minimum wage have managed to accumulate 'unsecured' debts of over 40k! Seems the banks and finance companies have been…
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Tesco clubcard reduce minimum payment
Tesco have reduced minimum on my clubcard to 2% but website still shows it as 3%. Haven't had any email regarding this change. Searched the forum and googled to see if I could find anything but didn't. Has it reduced for anyone else or did anyone know it was being reduced?
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WARNING! - Virgin / MBNA and 0% deals - you wont get them back any longer if late etc
Make sure you have a Direct Debit set up, or at least make sure you NEVER miss a payment or go over your limit during the promotional period. MBNA have moved the goal posts..... unless EXCEPTIONAL circumstances or bank error, no matter how much grovelling or pleading you do, you will NOT get your 0% back, you will only get…
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I thought this forum was to help people!
I have made a number of posts today about CPA's and Vanquis Bank in good faith as I have been a victim of a fraud scam with an US scam company [no not !!!!!! as suggested!] to the sum of £100 which could be for all I know, spiralling. Ofcourse, naturally I been working hard to put a lid on this unfortunate experience as…
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e mails from banks
Sorry if this is the wrong place to post but here goes. I don't know if this is coincidence or not but i have had a credit card for just over a month now. but at least everyday i get at least one e-mail which is placed in my junk e-mail box from banks i have no contact or accounts with.Today i have had four two from egg.…
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Address for Barclaycard CEO - lost payment
Can anyone help me with a postal address for the CEO of Barclaycard. They lost an internet payment in Spetember and so far it has not been returned to the bank despite their assurances that it has. Customer service is useless and I'm at my wits end with them.
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HSBC Late payment fee
I recently have been charge a £12 late payment fee on my HSBC credit card. The payment was due on Friday 21st nov but I didnt pay it until saturday morning the 22nd, the acutal payment took 4 days to go thorugh, I have tried speaking the HSBC depmartment for interest and charges twice, one woman fobbed me off and said she…
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Credit card vicous circle
Hi I need some advice as to where I stand with my credit card situation, Halifax One Mastercard. I have a high balance on my credit card approx £6,700 (the majority of which is on a 7.9% for the life of the balance transfer). I have made all my payments on time for the past 3 years and never been over my limit. However an…
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Fao martin new test case in the high court concerning credit cards and loans
I find this highly interesting. I was on the bbc news website and i found an article about the test cases being held at the high court in manchester this week. The test cases concern how financial institutions including debt collection agencies chase people for outstanding debts relating to credit cards and loans. They…
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barclaycard/skycard lost my payment help
can anyone help at my wits end with Barclaycard made a payment via my internet banking on september 12th when its was skycard they say not recieved have sent copy bank statement spoken to customer service 9 times only to be told they will ring back which dont happen when i ask to hold get cut off , feel my only option now…
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Capital one complaint!
Does anyone know how i stop them ringing not only my house phone but my mobile trying to contact my boyfriend who does not live with me. He has spoken to them so have I yet they still insist on ringing my house and mobile. We have no idea how they got my numbers. He has never even rang them from my mobile and my number…
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Barclaycard messed up on my payment
Hi, I tried over the weekend to pay off my £300 balance with a debit card via their automated system. I tried twice and it did not go through. I was later told by customer services that it was because the address on my debit did not match that of my CC (not true). Anyway, I have paid off my balance over the counter today.…
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Credit Card Statements Not Being Delivered?
Does anyone else have a problem with credit card statements not being delivered? Are companies deliberately not delivering them to make people miss payments and add charges? Any thoughts on this?
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How to activate PPI for father in hospital?
My father has been in hospital for nearly 3 weeks and from going through his bank/credit card statements at the weekend I noticed he is paying almost £100/month for ppi on his MNBA card (currently around £13k owing on it). I also noticed he doesn't seem to have been meeting the minimum payment each month for the last 2/3…
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Coming off a replayment plan... options?
I currently owe £3,500 on my Barclaycard, which I'm paying back at ~£70/month at a rate 1% above the base rate (so 1.5% PA atm). I've been on this plan for about 18 months now, and only just discovered that being on a repayment plan is bad for your credit rating (I wasn't told at the time, but it's too late to change 18…
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is there any protection for credit cards under £100
I posted the other day about my online purchase that was 2 items totalling £110 is there any obligation for my credit card company to refund me for dodgy goods any help is apreciated thanks
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USA FRAUD/SCAMS need to be reported to....
Fraud scams involving the US should be reported to the Internet Crime Complaint Center and the FBI Internet Fraud Dept. You can make a complaint and file your report directly on the above websites.
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More useful info: CPA's can be stopped provided,
CPA's can be stopped provided, you send Vanquis evidence, i.e. emails, letter of cancellation sent by Special Delivery and any other information.
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Useful info on terminating vanquis visa account!
I had it confirmed today from Vanquis Customer Services that if you <terminate> your account with Vanquis, there can be no further CPA debits applied to that terminated account.
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Credit card interest rates
Greetings one and all. I have got myself into a large pickle and the brown stuff has hit the fan. I have a number of cards with a total debt approaching £80k. I have never missed a payment nor gone overlimit so there have been no charges but a number of them have hiked their rates all the same. The worst is MBNA which is…