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credit card debts sold - can charges still be reclaimed
In a nutshell I have had a couple of credit cards that I managed to get cleared to fairly small balances. I then became unemploed and couldn't clear. The charges started piling on and then the debt was sold to a 3rd party. They are now chasing for very hefty amounts, all relating to charges. Having read about reclaiming…
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Unemployed, frustrated with credit card interest
Hoping I can get a bit of advice on how to proceed with this. I am currently paying off my credit card balance to HSBC. I'm on long-term sickness benefits, so my monthly funds aren't huge. The card itself has been cancelled, so I can't make any outgoing payments with it (there haven't been any for well over a year now),…
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Currys/Egg Card Fraud
I got an automated message from Egg a few days ago to confirm a purchase that had been made on my card. I hadn't made the purchase so got in touch with them. Today I receive a Sales Receipt from Currys with the Delivery Address of where the item has been sent. Should I contact Egg or the Police with this information?
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Should I check my credit score before I apply for a card (for balance transfer)
I have around £4k on a credit card, I have a £400 overdraft on an account but that account is taken out of the red monthly every time I am paid. I am looking at finally applying for a 0% card, probably with virgin, and going for a balance transfer from the £4k card which is currently hitting me with 20.9% interest. One…
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Credit Card - 0% interest for 12 months and free balance transfer??
Hi Guys. My friend is looking to transfer her current balance as her 0% runs out on Dec 27th. Ideally she is looking for a free balance transfer and 0% interest for 12months. Who is offering those deals at present. Any good ones/ones to avoid?? She and her husband own thier own home. They both work but she is currently on…
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car leasing trouble please help it is complicated
I hired a jeep under a leasing agreement, after the 4 years was up (20,000) later, I brought it back to the orginal dealership that I acquired the agreement with. When I returned the car the sales rep phoned the bank of scotland and they said there was nothing owing on the car and it could be sold on for a small percentage…
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Card fraud
card fraud for the third time we have had our cards compromised, this occasion was the worst! recently i tried to make a purchase from currys the sale was blocked, i had put a different delivery address. yet some fraudster is able to make nine transactions in canada the initial purchase was for the sum of $1.50 ending with…
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Im struggling with credit cards.
I think this is where I need to post,this is my story. I have run up credit card debts of £20,000 due to leaving the family home a few years ago,I am now back home but struggling to repay the cards. I have my own house and I have a 50% share in a good business but cant remortgagae the house as I did this to get the loan to…
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c card and current acc same bank
Just wondered if they are both at the same bank can the c card side access your current acc details. Or are they seperate from each other. Just wondered if the card side look at the day to day running of the current acc to decide your credit level. thanks
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Section 75 claim
Hi Guys, hope someone can advise. Booked flight with Flyglobespan with my RBS credit card, total cost was £329 for 2 return. Due to fly out 4 weeks on Sunday. I know I can claim this back from my credit card, but can anyone tell me what the process looks like? Thanks
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Credit Card Interest After Paying Card In Full
I'm maybe just having a dumb moment but I have a quick question. I just paid everything outstanding on my credit card so the balance is now zero, I asked if this settles everything I owe and they said no because there will be the interest on my next statement :rolleyes:. Obviously I got my previous statement through saying…
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Claiming back PPI
Hi, I am just looking into trying to claim back my PPI from Alliance & Leicester Credit Card (MBNA) and Capital One and am just about to send them a letter asking them for a comprehensive list of insurance charges added to my account. Do I have to wait for this information to come back before I send them the letter telling…
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Why a purchase approval charge through play and amazon
Hi, I just started using a prepaid credit card...thought it would be safer etc and stop me ranking up any debt. The only reason I mention this is after buying my main purchases I was left with a few quid ....just enough to buy a game from play.com. All of a sudden I noticed they take £1 out of your acc as something called…
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0% Card failure. How Long Before Trying Again ?
The interest on my LLoyds TSB card is crippling. Earlier this year I tried to get several of the main 0% credit cards. All failed. Since then my finances have improved greatly and I haven't missed any payments on anything for many months. But as we know - multiple applications go against you. How long should I leave it…
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redit card debt and moving abroad
We have £25,000 on our 6 credit cards and have been managing to pay them every month at £600 and coming down (old self employed debt) However my husbands company told him that he was going to be made redundant at the end of the year but there was a job for him if he was willing to relocate abroad. The job pays about the…
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Section 75 Claim: Bank Delaying?
I made a claim under Section 75 (for a tradesman who lead me to believe a fault had been fixed, but had just "patched" it with a patch that lested just long enough for me to pay, by credit card, to a call-centre) anyway, I submitted my claim back in september, had several delaying tactics from the bank early in the…
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Credit Score Zero - bank withholding information
I am 41 years old. I have had the same current account with Natwest for around 20 years, along with a couple of Natwest credit cards which are in constant use. All have been well managed, I have an overdraft facility which is occasionally used but never exceeded, and yet my credit rating is zero. This came to light when…
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Cgs
Has anyone had any dealing with csg? They have said i have a credit card for £500 waiting for me but have to pay them. Are they true to there word?? Thanks
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card advice
Hi all, I recently had an aggreement for reduce payment to my card provider (hard shell)as I was struggling to pay the full monthly amount. My card had gone over the 15K limit and was at £15,700ish.Ive been advised that my agrreement is now at an end and I must resume full payments/interest. I may soon be in a position to…
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Capital One, change T&C's for the worst
I have had a Capital one card for about 6 years, I got it when I didn't have a very good credit rating and have paid the balance in full every month for six years. I now have excellent credit history, nothing negative at all, got a mortgage last year, recently got another credit card with a £20k limit. All in I'm the…
