-
Egg not replied to my CCA request, what do I do now?
I sent a letter and a £1 cheque to egg asking for the following: After recently obtaining a copy of my credit file from Experian I was concerned to note that your company has placed a "Default" notice against my name. Further to this I have no recollection of ever receiving such a notice, and I therefore require you to…
-
Moving to mainstream
After a '5' late payment marker put in my file incorrectly by a lender (a/c was under dispute at the time) I have been rebuilding my credit file for the last 6-7 months. I now have loads of green 0's from O2, Aqua, Vanquis, Capital One, Barclays, Lloyds TSB, Next and Very alongside older records and of course green 0's…
-
A different way of using PP credit cards?
Hey Guys, Just to explain where I'm coming from, here's story to illustrate my point... I made a carhire booking online and then used the car while I was in the states; all prepaid. At the phsical point of hire in LA they needed to take a credit card from me. When I got back to the UK they charged me an extra £83 for some…
-
Credit Card Overpayment
Help! I noticed an erroneous credit to my October credit card bill which placed me £1600 in credit. I called the card company and alerted them and insisted on paying the £1600 I owed as the other £1600 was nothing to do with me. They allowed me to, but told me they may struggle to identify the source of the payment. I am…
-
Please help..
After falling behind with my credit card payments my card company have agreed to a monthly payment plan of £1 pm and to freeze the interest, but they are charging me £15 pm to do this. Is there anything I can do about this charge as it is higher than the interest would be and it is just adding to my debt with them. I have…
-
Halifax Credit Card - Payment Error - Help Please?
After a little advise here if you would. On the 14th of November I changed the way I pay off the balance of my Halifax Credit card from Manual each month to Direct Debit. I completed this task online. I then assumed that I wouldn't have to worry about it and I could let it do its own thing each month clearing the balance…
-
Credit Card Min Payment
Are credit cards allowed to charge you late payment fees or take away your introductory balnace transfer rates if the minimum payment takes you over the limit but you have made NO transactions since your last statement?
-
Little help plz..
Okay so I have an argos card with about £200 on, Barclays Card with about £400 on and a Capital One cad with about £100 on. Iam determined to get these paid of in the new year as Im back at work so shouldnt be a problem at all. But Im going to get a statement the end of this month and need to know what the minimum payment…
-
Egg Card
I am getting stuffed by egg card, and do not know what to do, I took egg card on at o% interest and used the £6,000 credit they gave me to keep my business going, I know, bad move, but I loved my business, and fought to hold onto it, after th months had passed egg put my rate to 15% I reduced that debt to £5000 anf they…
-
£25k credit card debt...what do i do
I have been spending money that I don't have, and am now faced with a huge minimum payment on my credit cards every month which is getting bigger! I am at my wits end and just dont know what to do:confused:
-
lloyds cc
hi new user here so please be gentle lol ok my problem i would like advice for i applied for a lloyds platinum card in october and transferred a balance from mdna card was told 0% over 12 months with 3% fee that was ok by me i noticed in novembers statment that an additional balance of 2k was added to my lloyds card , have…
-
Balance transfer for unemployed?
Hi all I've been unemployed for a year now.I have an MBNA platinum card (APR 15.9%) My credit score is good and I've kept up with the minimum payments on the card since being laid off.There is no sign of a job so I'm now looking for a balance transfer,I currently have £1500 on the card.I realise I will have to pay a much…
-
Barclay card online???
anyone else unable to login ? ive not been able to log on for about 5 days, spoke to someone on the phone in the bank and she checked my statements for me and said i should be able to logon, but i still cant. its really annoying me now , as i always pay online
-
Thomas Cook Credit Card - where do I stand?
I recently took out a cc to pay for a holiday on a 3 month interset free. I called last month as I had not received a statement to ask when I needed to pay off the balance to avoid paying the interest and I was told the balance and to pay it by 1st Jan 2010. I have today received a statement with £27+ interest. I called…
-
Declined Credit Card
Hi folks. I was turned down by Tesco for a credit card about 6 months ago. They stated that if I left it for a months and re-applied they should be able to do something for me as my credit score wasn't high enough at that time, they said. I have since taken out a Vanquis credit card and am paying that off in full each…
-
Credit rating for new imigrant? UK banks and Credit cards
I have just moved here from NZ, where i work as a pharmacist, have a mortgage, have a credit card (which i have had for years) however me and my girlfriend have had such a problem opening a bank account and obtaining a prepaid credit card. Why is this??? All the banks are only going to make money with account fees etc and…
-
Proof a Debt Collection Agency has to provide that the debt is mine?
If a 3rd party debt collection agency is chasing a debt. What proof do they have to provide that the debt is in fact yours? Are statements enough to prove it or do they have to produce a signed credit agreement? I requested that a collection agency provided me a signed credit agreement to prove thats its mine, but they…
-
Credit Report
Hi Money Savers! Sorry if this is in the wrong spot. I just got my credit report through Credit Expert from Experian. No dramas getting the details, but, I would like to know if the old credit cards on my file which are highlighted in Green and noted Settled can be removed from my file, also old addresses which I haven't…
-
Barclaycard or Sainsburys loan?
Hi Sorry this is a duplicate post (as on e is in the loans section, however it covers loans and credit cards so I am confused where it shoudl go!) Anyways I need to borrow £5000 for a car. My old car just blew up (failed MOT) and will cost more to repaire than worth trade-in, also there were loads of warnings on the MOT…
-
Vanquis
Hi I wonder if anyone can help me i have a vanquis card and pay the min amount each month without fail via DD however each time i make a payment the balance only comes down by £1 which isn't much considering i've had the card for a year? I am going to up the payments after Christmas but wondered if anyone could advise if i…
