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How to build up credit
Hi, We moved home from USA about 2 yrs ago and we cant even seam to get a credit card never mind a mortgage as we dont exist in the credit world and we have no credit score. My husband is self employed and I am a stay home mum so every way we turn we are declined? Has anyone any tips on how to build your credit rating?
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Charges for paying early!!
I've been charged two 'late payment fees' for paying my credit card monthly payments too early! I have paid more than the minimum payment in the first week of each month. My due date is in the last week of each month. I do not have a DD set up for this Nationwide 0% interest credit card and prefer to pay manually in…
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0% purchase facility
Dear All Was wondering if anybody knew of a way of using the 0% purchase function of credit card to pay off a part of your mortgage? I have a new card with £10K worth of free credit for 9 months. I wanted to use this as a temporary interest free loan to pay off part of my mortgage. Unfortunately the mortgage company will…
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Reducing Interest Rates on CCs
Hi Folks, I have three credit cards totalling approx 8k on interest rates between 15-19%. Whilst I would love to transfer to 0%, I have missed a payment recently and also made a couple of them late, so I do not think I would be accepted for a new card. I have read bits and pieces about people telephoning their card…
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Clearing 'Black Marks'
I dont know if I am in the right place, but basically I have 4 missed payment markers on my credit report but I am wanting to go for a mortgage, this is the only black mark on my report. These payments were missed from April-July this year, I am thinking of phoning the company and seeing if I clear the balance will they…
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O2 Cash Manager cards
Hi Anyone managed to get hold of the new O2 Cash Manager cards.? It took three attempts to get logged into the O2 site before it said I will get a card in 5 - 10 days (3 weeks ago) My brother had to contact them as it kept losing his login, only to be told he has never had an account with them (he has been with them 5…
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Prepaid Mastercard
I have been looking into prepaid mastercards especially the ones offering cash back and the added benefit that if it is cloned etc. you can only lose the amount you have topped up by - one thing I cannot find out is do you get the same purchase cover that you would with a normal credit card.
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How Can Card Companies get away with this?
I usually pay my credit card in full each month. In October I was a couple of days late which was very annoying but of course I had to pay interest and a £12 late payment charge. Anyway in November I paid on time again and on my latest statement I got charged interest again. I telephoned the company who said it was because…
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Amex delaying 5% cashback payments
My 5% cashback was due mid November. Just been told because of a computer error payments wern't made and they're trying to get it fixed for next months statement! Anyone else experiencing this? Are we allowed to charge them interest?
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Santander Cards. Have I got it?
Hi all, I have the following entry on my credit report (Experian): Searched on:17/11/2009Time at address:01 years 01 monthsAmount:£500Searched By:SANTANDER CARDS UKApplication Type:Credit Card This is the first time I have had an entry in my searched area of my report with a specific amount. Does this mean I am getting,…
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redundancy
Hi can anyone help, i have just been made redundant after 12 yrs, my wife works 30 hrs and i have 2 children under 16, do you know what i may be entitled too and what are my first steps now the reality of redundancy has happened ? i wish to retrain maybe become a mature student but really worried financially , if anyone…
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Need to Change Credit Rating
I've entered in a Debit Management Plan and have been making agreed payments with my creditors. In the meantime i've been trying to raise funds to pay off my debts by looking to remortgage my house, but each time i've been turn down. I have now gained access to my credit score and 3 of my creditors are showing that i'm…
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Equifax obstructing my statutory credit report
Hi, not sure if this is the right place but here goes... In short, I requested all my credit reports about a month ago. Experian came through fine, but Equifax wrote me a letter - after 10 days - asking to see additional evidence of identity, namely a bill and a copy of a Government document. They told me where I could…
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Santander Zero Card Direct Debit
I onpened a Zero card a few months ago and on the application form requested a direct debit for the full monthly balance to be paid. My current account now shows an active direct debit instruction from Santander with my CC reference number, and on my statement this month a message on page 2 stating 'Direct Debit of £ 1.53…
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Complaint Against Experian (CreditExpert)
Hi Keep it nice and short Basically Experian or CreditExpert have been messing me around with my credit report Wrong details, wrong addresses and basically just making a mess of my credit report because their software cannot handle the fact i live in a flat. Who are they regulated by and who would i need to contact to make…
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CC question
I've been using my Tesco CC for most purchases, paying off in full each month in order to get the points. But this month I was about to pay it when I got a call from the school saying DS1 was ill and to pick him up... long story short I completely forgot:o to pay until the statement date had passed. Now, there is a DD for…
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cap one statement(what is this all about)
Received my capital one statement and there is a message at the top saying due to a change in the law , they now require any additional cardholders address, date of birth and relationship to the cardholder . has anyone else had this ? thanks
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can you claim back charges from credit card if...
account went to debt management and has been cleared? thanks amy
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Help with natwest credit card
hi, i have just started to get myself sorted out after years of debt management and finally saved up enough to pay off my natwest credit card which was like 800. it was all paid off and i thought it will help towards my credit rating! i was still havin trouble like 5 months later, so went on experian to get my credit…
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Useless Barclaycard call centres
I have been lied to 3 times in 24 hours by call centre operators. Firstly I asked about a certain transaction and was assured that only one payment had been taken from my account when in fact there were two. I then rang AGAIN to confirm that, and was told that that info was incorrect but I did have a credit. The third time…
