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Dont know if im being completely dumb but....
Im filling out an application for a credit card, what does it mean where it says credit limit? Its a current account, so im not quite sure what that is! Also I have a credit card from lloyds that hasnt even been activated (long story basically gave it me with saying they were so never bothard activating, although its on my…
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Unenforcable Debt-HELP REQUIRED
UNENFORCABLE DEBT Please can somebody help? I currently hold a Credit card with MBNA and I followed the forum advice and requested a copy of my CCA. MBNA much to my surprise complied and returned some paperwork which they claim is my CCA. What they have returned to me is part of an application I completed on-line whereby a…
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Argos Card help
Hey first post here so be nice, i need a new tv, so i bought and took out an argos card, So i owe 140 quid, and with 27% interest or what it is, it feels like im stuck in a hole? ive got books to sell, raised 40 through music magpie, anything else i could do?
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Help - Account frozen due to Off setting
My account was frozen because the bank want to withdraw the money to offset it against a credit card debt. Went to another bank to open an account and the woman there told me that she didn't think banks could do that since I am on benefit. Does anyone know if that is the case or where I could find information about this?…
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Problem with SeeTickets: Reclaim on credit card
Basically I ordered tickets for a gig via the online ticket site See Tickets over a month ago. They were only posted out two days ago and still haven't come. If they don't arrive I have to pick them up at the door. To me it's not acceptable that they charge me over £6 for a booking fee and a £2.25 transaction fee. Is there…
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Does this deal seem ok?
Just been declined for tesco and abbey zero. Only thing I can think of is that I have access to too much credit. Both sainsburys and capital one have hiked my interest so I need to be rid of them, and my halifax od's. I have a halifax cc which already has balance transfers on it, and they have just upped my credit limit by…
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Searched as an 'associate' how detailed
Was wondering when these credit agencies search you as an 'associate' what level of search is it? I'm wondering because of hubby applying as made 3 searches on my files too:o I know associate searches don't count as searches on my file like me making an applcation. But just thought is it a full search on me too?
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Barclaycard online chat
Does anyone know how to access the Barclaycard online chat? I need to ask them something that isn't urgent enough to ring them and try and phathom what they are saying nor is it important enough to secure message them/email them
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Equifax
Has anyone else noticed the extended credit card information has been blanked out when viewing Equifax online file.
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Section 75 credit card claim thrown out - HELP!!
Hello I am really hoping there is someone who can give us some advice. My husband is doing up an accident-damaged car and asked a company to repair the dashboard and sew up a seat cover where an air bag had blown through it. To cut a long story short, he picked the goods up, paid for them and brought them home. When I saw…
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Need help re: credit card repayments
OK, Sh*t has hit the fan I've lost my job which is unexpected. My minimum payments on my loan + credit card debt is approx £160 a month which, if I get JSA of £65 a week I won't be able to meet along with my other bills. I have nothing with which to pay off these debts, no savings or anything. So my question is this: if I…
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CHIP & SIGNATURE vice CHIP & PIN
The new FSA Rules which replaces the Banking Code is good news for everyone whose lost faith in the PIN part of Chip & PIN. Consumers should now be made aware that there is an alternative to having a PIN and being held responsible for security of that PIN. Industry Guidance for FSA Banking Conduct of Business Source Book:…
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Harrassment from mbna
I have a Credit card with MBNA of which I am two payments behind. I spoke at length with an advisor and was advised to continue paying my monthly payments plus a little extra to gradually clear the missed payments. I have had this card for about 5 years now, over which time MBNA have charged me an extortionate amount of…
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Unenforcable credit cards
Hi Not sure if I have posted this in the right place so sorry if I haven't. I have today been contacted by a company to say that they can wipe off my credit card debts that are over £2000 and have been taken out since 2007. He said it is because they are unenforcable credit agreements. Is this true or is it a scam? I have…
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I don't think I should be charged interest, but I am
So I think I shouldn't be charged interest on my card because I pay the full outstanding balance every month, but my CC company is still charging me. My question is who is right? Here are all the facts and figures: I hope this is brief enough not to bore you to death and makes sense… I've got a Capital One card that I use…
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New Credit Card for non UK resident - is it possible?
Hi All, I think I know the answer, but I was wondering if any you CC guru's can confirm if it would be possible for me to obtain a new CC when I am no longer living in the UK? I would like to do a balance transfer, to bring the interest down, whilst I repay but I'm pretty sure they insist that you are a UK resident upon…
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Lloyds TSB Gold Card- Customer Service Stinks!!
Just wanted a bit of advice and help, I have been with Lloyds Tsb since June 2003 and got myself into debit with them, I had been paying it off with a debit management company and up till 11 june this year. On every single statement in had been credit limit £0 and avaliable to spend was £0. But now all my statements have…
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Claiming back from Credit Card Company under Section 75
I recently ordered an item online from a camera retailer called Bitesized deals and paid £165 for a camera with my credit card. Stupidly I only checked up on this retailer afterwards and found out that it is a US based company deceiving UK buyers into thinking it is UK based. There's also a lot of bad press about the…
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Abbey/Santander card application nonsense
I applied for an Abbey/Santander credit card at the end of November. As of yesterday, I still hadn't heard a decision as to whether I've been 'successful'. So, I phoned them up to see. After ringing the number advertised but 3 times getting through to a Virgin call centre (despite being given the 'right' number by people…
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Credit Report Address
Hi anyone who could give advice here it would be appreciated Is the address you use for everything kept track of for things like credit reports and Hunter reports, or do they keep track of Credit? Example, if my paycheck has been being sent to a second address, would that affect anything given that is not credit?
