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Admin Error from MBNA cost me mortgage
Hi All, I'm looking for some advice regarding recent treatment by MBNA (from and old Virgin credit card). Here is the basic story: I recently applied for a mortgage and ran credit checks with both Experian and Equifax. All came back fine but we were declined the mortgage with the Newbury Building Society for a bad debt.…
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Halifax reconstituted credit agreement
hi could someone explain what's a reconstituted credit agreement (from Halifax) and is it the same as a true copy? is it enforceable..or not? bit confusing... thanks
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business bank account
hi this is my first post here i was wondering if anyone could help. I was made bankrupt a year ago and will be signed off from it in a few days. I need a basic bank account for me as a sole trader so my name then trading as etc. i have tried my bank with no luck so wondered if anyone had any ideas where i could go. i dont…
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Best current account
I need to withdraw money from my paypal but need another account in my name to do it, what is the best and quickest curren can withdraw this money?
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Section 75
I have booked an apartment rental in New York (and paid a deposit by cc) that I have been told is illegal, as properties are not allowed to be let for less than 30 days. I am taking this up with the company I booked it through, but I just wondered if I am able to claim a refund from my cc company under section 75?
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Default notice on credit card
I recently asked natwest to provide proof of a letter of default was sent as it is showin up on my credit report but wass paid in full 6 months ago. i got this reply. thank you for your letter... your request for documents contains some misconceptions about your entitlement to information in a specified form and out…
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Credit Card Agreement response recieved....now what?
*Removed by user.*
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best credit card for credit scoring
My wife s been 1 year to the country and cant be on electoral roll. we got a joint hsbc current account... the only credit checks she s had is from her 3 mobile network and bt line which are on her name. Having had problems myself in th e past to have a good credit score as wasnt aking for any credit cards i want to get…
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Credit card debt, benefits and going to court
I hope someone can help me :( I'm in £650 in debt (not alot compared to some stories I have read) im on benifits. I was paying £35 a month and accidently didnt pay 1 month (its not taken directly from my bank account) I then got a phonecall from a debt crediter, demanding £650 full payment! I said I couldnt afford that and…
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ADvice Credit card for No credit history
Hi I have just moved back to the Uk after living overseas for 8yrs I am trying to apply for a credit card but as I don't have a credit history it is proving no go can you suggest any options for builing a credit rating with. Concious if keep appying will effct rating even more Got no adverse history not a bad payer just no…
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Paying off my debts
Anyone got any advice on working out repayments on credit cards? I know i should pay off teh highest APR first, but i can't seem to find a simple way to get the APR figure as some companies don't state it on my card or statements and instead give me a monthly figure for the interest they charge! Is there a calculator or…
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Coming from Italy: which debit/credit card?
Hi, I am about to move to the UK from Italy, and I was wondering which credit or debit card should I get. - I will repay the FULL balance every month, would not use overdrafts - I would like to be able to withdraw cash from ATMs with no fees or interests - No (or low) monhly fees - I would like to have 0% commission on…
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Using HSBC cards overseas
I know many here have Nationwide/Post Office/Santander cards for overseas use but I thought that its worth mentioning that HSBC have now added a facility on their website called "Going Abroad". This allows you to tell them which countries and dates you are going overseas - along with which of your HSBC debit and/or credit…
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Are 'Credit checks' Autotated? (automatic?)
When applying for a loan - credit card etc,... and they do a credit check, are these automatic (by computers) or in the week of the check, they do it manually? if automatic, is this using a point scoring system or other way?
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Barclaycard rate increase
Have had a barclaycard for about 4 years now it has never had any default fees paid has always had more than minimum payments made and at most 65% of the credit limit used ie £6600 limit highest balance around £4000 . Balance at moment £ 3200 always pay more than minimum but balance never cleared . My question is…
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Need advice on the cheapest way to transfer debt
Have a Virgin Credit Card, that charges 1.2408% per month. Halifax has offered a balance transfer at 4.9% p/a + 3% fee. Trying to work out if it is cheaper with the fee to transfer some of the Virgin balance to the Halifax card. Cannot transfer it all, as do not have enough limit on the Halifax Card. Thank you
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Help please need new CC and never done this b4!!
Hello My husband has a cc with virgin and we have been paying high interest for ages and after asking for far too long for him to find another card, i have decided to do it myself but dont have a clue what i am doing. we have roughly 5,500 on it which needs to be transferred and a much lower rate found. Please can someone…
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Sygma Bank website
Hi has anyone else had problems with the website, I'm getting a message saying that the Security Certificate has expired. Any ideas?
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Cashback Cards..
Where have they gone? What with the Shell Citi card ceasing at the end of the month I lose my cashback card and have a bog standard card that does little! I made around £70 a year from the Citi card- essentially 2 decent fill-ups. What option do we have for a new card? *Amex is best cashback wise but I wouldn't qualify…
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Help on cards abroad
Hi all, I'm going on holiday in the next few weeks to Malaysia and I need advice about the best way to take care of my money while abroad. I currently don't have a credit card, only one of the debit cards from "hell" according to this site, so I'm not intending to use it for withdrawals or paying for things while I'm…
