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DLC / Direct Legal & Collections
Hi Bit of back round here first. 5 years ago had 50k ish of credit card debit. With MBNA (short settlement) COOP (Short Settlement) got this two dealt within 1st 6 months. Halifax / BOS (Short Settlement took a couple of years) x2. Two left One Halifax / BOS £9k and One Halifax / BOS / Sainsbury was £6k ish now over £9k as…
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DLC / Direct Legal & Collections
Hi Bit of back round here first. 5 years ago had 50k ish of credit card debit. With MBNA (short settlement) COOP (Short Settlement) got this two dealt within 1st 6 months. Halifax / BOS (Short Settlement took a couple of years) x2. Two left One Halifax / BOS £9k and One Halifax / BOS / Sainsbury was £6k ish now over £9k as…
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I'm thinking about getting a credit card.....
I'm buying a house soon, next month. I have no furniture and was wondering whether to get myself a credit card, with 0% interest, and buy the majority of the furniture now. I could buy the majority of the furniture with the savings I have left over from my deposit, but I was thinking its better to have money in the bank in…
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Virgin Credit Card Statements
Before I apply for a virgin credit card. I would like to know if they do paperless statements? Or there any others out there like HSBC who do paperless statement??? Have a good christmas.
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Help on obtaining a credit card?
I have recently tried to obtain an additional credit card ( i already have one with Natwest but only has a £400 limit) and thought to apply for a Sainsbury's ten month interest free option as i wanted to book some airline tickets however, i got refused for that (i then also phoned Natwest to ask for an increased credit…
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Virgin Credit Card
About 2 weeks ago i applied for a virgin credit card on-line. They said they had to do more checks and if i was successful i would get my card within 7-10 days. I have not heard anything since. I was planning to do a balance transfer but its taking so long i have made other arrangements, so really I just want to know if…
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Made a right mess of balance transfer
:o Hi Guys, Really need your advice. :o I had a M&S card that I owed £3700 and wanted to balance transfer on as I was coming to the end of the 0% thing. So, I applied for Virgin Credit Card online at 0% but heard nothing. They said they would take a few weeks to get in touch. The next day I went to pay some money into my…
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Closing credit cards - how long before it reaches credit report?
Is there any way I can speed up the process of getting Experian et al to register the fact that I've closed a credit card? I'm trying to get a mortgage and until my card debt is at 0 on my credit report, they won't agree to the application. I've just paid off all my debts this evening - is there anyone I should be…
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"missold" 0% credit
hi, Quick question, I took out a virgin atlantic credit card about a month ago (MBNA), paid for a flight with it, then a bit later phoned up to make a payment. At this point they sold me a 0% promotional credit which I transferred into my bank account, paying a modest 2% handling fee. I was repeatedly told that I would pay…
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Interest Free Loan
Are they any out there that can pay off my credit cards so I don't require a new one every 6 months 0% im getting fed up.
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being bullied "coz they can"
last week i was going to do some Christmas shopping and just thought i would check my balance online so i would not go overdrawn. i was shocked (can't put what i really felt) to find out barclaycard had taken the whole of my employment support allowance out. when i contacted them they said they had the rite to do so…
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3 credit cards - 2 of them the 0% interest id finishing some advice please
First of all Merry Xmas everyone I have 3 credit cards 1st - £1800 balance.barclay card platinum - 0% interest ends, end of Jan 2010 - £38 per month 2nd - £940 balance..Tesco card - 0% interest ends , end of MArch 2010 £19 per month 3rd - £375 balance - Abbey 17.9% - £25 per month Ive taken a out a new mobile phone…
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Barclaycard - reduced credit limit
Hi all, I know a few others have posted about this so I'll keep it short. Got an email from Barclays saving my credit limit had been reduced (to just above what I owe them) as a result of information passed to them by a credit agency. I normally pay the min each month and have only missed 1 or 2 payments dates to date (but…
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Santander Zero - application declined
Hi all, I recently applied for the Santander zero credit card. I didn't hear anything for a while so yesterday called to check the status and to my surprise was told my application had been declined due to a poor credit score and to check with Experian why. This seemed odd as I've never missed a payment and have no debt…
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Mysterious Debit Card Transaction
Spotted this on my online banking the other day. £0.13 taken out of my account via debit card in London - not sure whether it's a shop or a website. It's labelled as "Conservative". Either way I've not bought anything for £0.13 that I can think of, nor have I been anywhere near London. What the hell is Conservative!? Only…
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Payment Dates
I'm just wondering what this statment means: 'In all cases, you will see your payment in Online Banking the day after it is credited to your account.' Now i made a payment to my card on the 21st (Mon) and so it should be in my account today (It supposedly takes 2 days)... however the website says it won't show until…
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Rejected for Virgin 0% card but not sure why? What did I do wrong?
Hey everybody I wonder if anybody could help me. This morning I applied for Virgin's 16-month 0% credit card in the hope to balance transfer some of OH's credit cards that are about to lose the 0% interest facility. I only have 1 credit card with Lloyds that has a £2000 limit and £0 balance and a small loan. During the…
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Statements - do I still need to keep them?
I have a mountain of credit card and bank statements, but with banks and credit card companies all offering paper statements, do I really need to hang on to these? I believe by law they have to provide me with statements for a small fee if I request them (unlikely), so can I shred this mountain of statements I have? Thanks!
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Problem with purchase
Please help! I bought four items from a foreign website and paid via Paypal (it was one of the payment options, and as I didn't know the website, I thought it was the safest option in terms of protecting my ID). Anyway, the items arrived, and three of them are faulty (two don't work entirely). The seller originally…
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How long can it take to register a default?
Hi I have a defaulted bank account from a year ago that is registered as a default on call credit (default date Feb 09) but the same account is marked as 3 late payments then settled on equifax (with the delinquent amount still showing). I'm hoping to pay off the amount so it won't look like a default on equifax (nothing i…
