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First Direct - closed account...
Hi, I didnt pay my credit card for a couple of months (i know, dont grill me for it) Anyway, i have a First Direct Credit Card and a First Direct Bank Account which i have had for about 8 years. Now the nitty gritty, First Direct have closed my main bank account (that all my direct debits and wages were setup on) for not…
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Lost a weekly train ticket. Do I have any protection?
Hi, I bought a weekly train ticket (£42.20) for my girlfriend yesterday on my Abbey Zero credit card and during the return journey of her first day of travel. It has gone missing. She spoke to a ticket collector and he said that they can cancel that ticket and refund the remaining price. She then spoke to someone at a…
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Credit cards - unable to pay
Hi, I have a friend (honestly...its not me. I dont ever use mine) who has some credit cards (Personal) and a sole trader overdraft. Due to the economy nosediving there is very little chance of these being able to be paid off. In total were looking at possibly 2 years income in total if not more being owed. Short of…
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Card for 18 year old
Hello. I don't want to sound like an arrogant twart, but if you're going to comment saying something like "don't get a credit card you'll end up with loads of debt/on a slippery slope" then don't bother commenting. I am fully aware of what happens with credit cards and again, without wanting to sound like a prat, don't…
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Rejected!!
Ok so i applied for the virgin card with the 0% interest for 16 months. I was rejected, I looked on here and it directed me to a website where i can see which credit cards suit me and most likely be able to get. Which were one two: Capital on bank vanquis I also checked my credit rating...but that seems to be fine, only 3…
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Will my recent Natwest CC closure affect application for Tesco?
Hiya, I am considering applying for Tesco's Clubcard Credit Card. I think I read somewhere before that if I've recently closed down RBS Group's credit card (closed down Natwest's 2 months ago), I need to wait a certain amount of time, is that true? If yes, how long do I have to wait? Or will it be safe for me to start…
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Credit Card 1
Hi, Recently got a Barclay Card Platinum 1st ever one and i have recently started using it although they have started me of on £250. Does anyone know how soon they will be able to increase my limit. cheers, garcon6
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Credit scoring Bank v Mobile phone Company!
Having read that a poster could get a proper full bank account,store card etc, but got refused with 3 mobile for a laptop deal. I always thought you would need a higher score to get a full bank account than with a mobile company. Any thoughts on this anyone?
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Owe money but left the country a long time ago
Hi all. I have a Barclaycard, barclays account & sudent loans all of which I owe money to. I have immigrated to the states almost 4 years ago. I had maxed out my Barclaycard and was making payments online until I was no longer able to log in (for some reason it wasn't accepting my credentials even though I know they were…
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Sainsbury's took her card!
This is for a Natwest switch card, not credit. Just after some advice for a friend of mine. She's just been out to the supermarket for food for the week and some petrol to get her to work and back and also through the weekend. She typed her pin in "PIN OK", but was then asked to step over to the customer service desk, as…
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credit card debt
My partners bank has recovered a credit card debt from her current account from a pension payment recently depoisited. This was to be used to pay off mortgage arrears. Is there any chance of claiming either all or part of this back?
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barclays card Q!
Hi. I applied for a barclays card and I was approved and recieved my card but the same day I also got a letter from them saying there was a problem with my application and to send 4 more documents, which i did, this was about a week and half ago and not heared anything. Does anyone know how long this takes or should I…
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Bank account frozen - help!
My current account and my credit card are with the same bank. I have a credit card debt of £1,240 and the bank has frozen my account because at the moment I have £1,400 in my current account..I am on benefit (incapacity & housing) and have been for over a year so my finances are a major balancing act. The only reason why…
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How can I make it clear to HSBC that I didn't make a Western Union Payment????
I've just opened my HSBC Credit Card statement and found a payment to Western Union for £381.90 that i didn't make. I called HSBC, explained the situation and they immediately canceled the card. I asked what would happen with the £381.90 that had been paid and they put me through to another department (called COI i think).…
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Section 75 - is this scenario valid for a claim?
Here's the example scenario: A £7,000 deposit is paid, by credit card, to a car dealer as a 20% deposit for a new car. The car dealer goes bust before the car is delivered. Can you claim the £7,000 deposit back from the credit card company, which falls into the £100 to £30,000 limits, even though the car, valued at…
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Refund after the TCD collapse from CC
I was wondering if there is a time limit that the credit card companies have to work within when a refund is due after the collapse of a company like Travel City direct. We got all our documentation back about six weeks ago and we are still awaiting the refund. Because we had paid part of our deposit by credit card it had…
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Got store card, bank a/c,3 said get lost!
Isn't credit scoring strange, got a full bank account with Barclays and a store card, so applied to 3 for a good deal on a laptop @ 17.50 pm. I live in a dreadful are for coverage, have tried other providers and its not good. Only 3 have a good coverage. I was surprised to be told to get lost:confused:
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Halifax One - Recently rejected, but told pre-approved?
Hi, A few days ago I applied for a Halifax One credit card (online), an immediate decision was not provided but I was later declined. Today, when I was in the branch, the customer services advisor told me I'm pre-approved on their system for a £1800 credit limit credit card, asked if I'd like to apply. At that moment, I…
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Default notice on credit rating
Hi, wonder in anyone can offer advice. 14mths ago I was contacted by a company called Credit Issues who said that it was likely they could write off my Citi credit card outstanding balance. Citi could not provide a true copy agreement and I stopped paying the monthly payments 8mths ago. I have recently had a letter from a…
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Nationwide Classic Card - will I be charged for spending?
My new credit card is a Nationwide Classic Card, with 13 months 0% on ballance transfers and 3 months 0% on purchases. The main reason I've got this card is to slowly pay off an existing debt of 2000.00 over the next 13 months (the balance transfer has now been accepted). I need to make a purchase within my 3 months 0%…
