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unenforceable credit card agreememnts
hi all im a newbie on here & would like some advice if possible, ive got a mbna credit card which im currently in dispute over,ive asked for my credit agreements etc using a template i down loaded off the net,mbna never replied so i duely stopped paying the account,phone call after phone call letter after letter demanding…
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LloydsTSb Credit Card Advice Wanted
Hi, I have a credit card with Lloyds which I pay £240-245/month (min payment) (£12K outstanding). The problem is that the interest is £205/month Late payment charge is £12/month Over Credit limit charge is £12/month Therefore the balance only goes down by approx £11-15 a month.:mad: Has anyone had any joy in getting Lloyds…
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C/C Disputed transaction - unsigned receipt
Hi all, I've recently had my card (Visa) charged for several hundred pounds, for a transaction which I refused at the time. I am attempting to dispute the charge through my issuer, but I'm concerned about the result, and was hoping for any advice on here. After handing my card over to pay, when I checked the slip, the…
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Is it likely to be a decline?
When applying for a CC does the response - 'we will be in contact in 7-10 days' mean it is likely to be a decline? Thanks
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Credit card search without permission - what can i do?
Hi I don't know if this is the right section of the forum to post this in.. but here goes. I opened a bank account with Halifax about 8 years ago, at the time my credit rating was not good and therefore they say they could not offer me a "credit" account but could offer me a credit free account e.g. one that wasn't credit…
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How much can I transfer onto the LoB deal?
Hi Is there a limit to how much I can transfer accross to a LoB deal (looking at MBNA)? There are various cards which I would like to transfer onto one payment rather than have several, or is it dependant on what the credit limit is the company offers? I'm looking at about £20k. Or do I wait to see if the application is…
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Credit card payments by Direct Debit
Can you just pay the minimum payments on Credit Cards if you set up a Direct Debit, or does it have to be the full amount? I’m thinking that by setting up direct debits, the money will just leave, then at the end of the month, if I have any money left, I can pay a bit extra off the card with the highest APR. Any advice…
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credit card interest
Hi everyone, I am currently in financial hardship and speaking with my creditors to come up with a solution. Is it possible to claim back credit card interest, or only credit card charges? thanks Matt
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Vanquis not reporting to Experian?
Hi all, I got a Vanquis card a couple of months back, I have recently received my 2nd statement, having paid my 1st in full. It appeared on my Equifax credit report about 6 weeks ago, but is still not showing on Experian.... Is this normal? Do Vanquis not report to Experian? Thanks!
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Can I transfer money from my aqua card...
Hiya guys can I transfer money from my aqua card to my bank account and if so how much will it cost???
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Bank Of Scotland Credit Card
Hi I have a HBOS CC. I reported my card lost two weeks ago but i see that they have let a payment through for £399 which i didnt make. Will this be refunded ? Thanks Princes xoxox
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Need you guys help on something please
Hi guys Am in the process of booking our honeymoon accomodation in New York. Flights are sorted. We are looking at booking an apartment for 5 nights. Ive emailed a particular owner and he's asking for all our bank details to the book the apartment? as you will see below. We dont feel comfortable with this for obvious…
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Capital One - Stay or Go?
I have an account with Capital One, which I am thinking of changing becuase of their numerous price hikes. Originally it was 17% now its 29%. I have £1,400 on the card, and I want to improve my credit rating. Would it be better to close this account and pay off monthly or keep the account and pay off as much as possible?…
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Can I pay mortgage off via cash back credit card?
I'm sure this is a stupid question, but I genuinely don't know the answer. I spend very little per year on groceries etc, so getting a cashback credit card isn't attractive unless I can pay off bills and the mortgage with it. Is this possible and / or advisable?
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Confirmation of Credit Card Closure
Alliteration...I love it! :T Anyway, I had a Bank Of Scotland credit card with £1,900 balance on 0%, which I paid off before the 0% deal expired. I cancelled the card and have just received confirmation via letter. Just the standard closure letter, please destroy your card etc....except for the last paragraph.... "Please…
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Help with Tesco credit card
I've applied for a Tesco credit card two times now and both been denied. I'm a 20 year old male who earns roughly £14,000 a year. At the moment I have a £2000 loan which is to pay my car insurance, £300 overdraft for emergencies and a Argos store card with a limit of £700. Has anybody got any information in regards to why…
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Tesco Credit Card + Capital One
Hi, I would like to get a tesco credit card to use to spend on my shopping and petrol at tesco to earn the extra points. I would like to have a card for me and my partner, but I can't find any mention of it even trying to apply online. Is this possible? Also a quick question on the capital one card out of curiosity. Do you…
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equifax online dispute
hi guys, Just a quick question i have raised a couple of disputes with equifax, I have got the standard we have requested further information reply, it says this can take 28 days. What happens if they do not get a response from the company that have placed the crap on my credit file ? will the data just be removed ?
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Experian
Experian makes $462m profit in first year as independent ... 24 May 2007 ... Experian said it could spend as much as $1.5bn on acquisitions this year, ... As part of plans to diversify the business, Experian has made ...
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Halifax credit card problem
It's my first post - hello everyone!! And apologies in advance for the long moan I'm about to have! I have a Halifax credit card, and I was offered a promotional rate of 3.9% for the life of balance. I took up this offer, started paying it off, but was late with a payment. I know these promotional rates tend to revert to a…
