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Old Credit Card Charges come back to haunt
Back in 2004 I got a capital one credit card with a credit limit of £200. After a couple of weeks the card was maxed out and I statred paying the minimum payments, I missed a couple of payments however and because the charges back then were circa £35 for late payment and £35 for overdrawn, after interest I was getting £75…
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Halifax application
I have just applied online for a halifax card whcih I would like to transfer balance from existing card(£1800). I input all my info and am a bit concerned that I never got an instant decision. Does this mean there is a problem, I can't remember if I have had a RBS or bank of scotland card before know I have had one of…
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HSBC Credit Card PPI - Questions and Advice
I'm new to the forum and was wondering if anyone could give me some help & advice about the PPI I was advised to take out on my HSBC credit card in the mid 90's. (When I say advised, it was by a member of staff at my local bank). When I took it out, I was under the impression it would pay the minium payment if I was unable…
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advice on retailers protection when taking credit card payments
Hi can anyone help, if as a retailer you accept a credit card payment and it goes through and then it turns out the card is cloned/stolen etc who is responsible? the reason I ask is my partner has had an online order for a large ish order and if he sends out goods once he has taken the payment and for whatever reason the…
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Bank of Scotland Taking my credit card away. Advice needed.
I'll try and keep it brief. I own a credit card from BOS which has a limit of £7000 and have owned it for 7 years. I don't use it that often and my balance is always cleared each month. I received a letter today saying after a regualr account review they are lowering my limit to £500 and closing my account in 30 days. This…
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Cashback credit cards - positive credit
Sorry if this isnt clear, I'm still getting my head around credit cards having been a long time user of cash(well, not really...skint student). Ideally, I am looking for a prepaid card that offers cash back insentives, but it seems nothing like that exists. So I was wondering if anyone can tell me whether or not you…
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Balance Transfers
I am looking at getting a 0% intersest on balance transfers card as all mine have come to the end of this period. My hubbys card is actually the one with the highest interst rate on it and I'm wondering if I can transfer his balance onto my new card? Or am I not able to do this? Thanks
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Lloyds Debit Card - CCA Regulation
I have recently found out that Lloyds Debit Cards that where issued at a certain time would have been governed by the Consumer Credit Act. It all stems down to which form you completed and signed when you first asked for a card to be issued. I wanted to find out if mine was CCA regulated - so I propose to request a sight…
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Cardguard
I've been subscribed to Cardguard for 2 years at £20 per year. Now its £29 per year, suddenly (according to them more things included). Anyway I'm just trying to get a general consensus whether its good to stay with them or drop them.
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Cashback credit cards
Hi, Thinking of having a quick sort of my credit cards before the year ends and wanted to check people's experiences on a number of points. In particular: 1) I have both an amex and capitalone credit card paying 1% cashback (now that both bonus rates are gone). Probably little point in having both so was considering either…
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Overpayment of MBNA card
I have a Virgin money (MBNA) credit card which I have recently transferred the balance from on a 0% deal. I previously had a DD set up to pay the minimum (£25) each month but had not cancelled it as although the balance had been showing on my online statement as £0.00 for a few weeks I assumed I may have a final interest…
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First time card?
Hi everyone, I'm new to the forum so thought I'd say hello. I just have a few questions about credit cards, basically I have just finished university and started working as a teacher. The only loan I have in my name is my student loan and I don't have any credit cards. However, people have told me that I could do with…
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Should i reduce my credit limit?
Hi Not sure if this is the right place but wanted to know should i reduce my credit limit on my next account its £2000!! ive never spent more than about £300 on there years ago. x x
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Section 75 Clarification on purchase
Hi all Can't seem to find this through the search, so apologies if it has been mentioned / answered somewhere. I'm planning on using a leaflet distribution company to distribute in a certain area. I've been provided with an invoice and will be paying on credit card before the deliveries are done. Should the company go bust…
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debit card problems
I purchased a pair of shoes on saturday using my visa debit card, and after i put my pin into the machine the assistant advised the card had been declined. She said to a colleague the screen was advising to request an authorisation code, her colleague then said to me, it wont go through. I paid with cash, and didn't think…
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Barclaycard Limit Increases
Just wondering I have had my intial card nearly 4 months and they have added limit increase on my online account, I asked and they said it was to early ofr an increase and wait 3 to 6 months. I have been puting £250 on a month and clearing in full but this month got to £360 and have left £40 on to accure some interest this…
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A Bit of Advice Please on Section 75...
Hi there, I wonder if you can help me - my husband and I were married in April this year. We paid for our photographer on a credit card and 7 months on we still don't have our photos/albums/DVD with images. We spoke with Trading Standards who said that we should claim the money back via our credit card BUT we paid the…
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Tesco credit card rate jacking?
I'm registered to receive my Tesco credit card details online, a few months ago I was charged for going over my credit limit, I had a look at the statement (which had been posted due to a terms and conditions change) and co and my monthly interest rate had been increased. I called tesco and they told me that the reason my…
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Virgin Money mystery interest charges!
I have a Virgin Card which has an interest free period until the June 2010 statement I have been charged £1.49 interest even though I am still in my promotional period and pay more than the minimum amount. I also noticed that I had an extra 150 pound payment made by uk debit pay and then that was reversed????? Has anyone…
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Who has been sucessful in finding out they have an uneforceable CCA and who with?
:confused: Who has been sucessful in finding out they have an uneforceable CCA and who was it with or against? I am trying this but need to know I am not on my own please:confused:
