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Experian taking ages to update electoral roll?
I've been registered on my electoral roll since April 28th and freaking Experian/Credit Expert still have me as not registered in their records. I phoned twice already and I only got the usual call centre person trying to talk their way through their rules, their frequencies of update and stuff. I don't see why they cannot…
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How long for Egg card & SBT
Hi - does anyone have any ideas how long it would be to get an EGG card and do an SBT? I am an Egg money card holder, so already a customer. Good credit record and salary. The money is for a vehicle so a dealer will not wait too long. I can definitely afford it, but have money tided up in ISAs and longer term investments,…
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Right time to buy?
Me and my boyfriend have been wanting to live together for a for years now and thought we were ready to go ahead with it however I am worried with budget cuts and redundancies on the way. Is it a bad time to buy? We are desperate to live together but people keep telling us to wait until next year!!! I don't know what to do.
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after some advice on the best way to deal with this
hi there up until last month i had the following debts £14k loan, costing me £260 a month £400 on capital one credit card (£1200 limit) £200 on barclaycard (£260 limit) £170 overdrawn at natwest £1900 on natwest credit card (£2300 limit) £7000 on lloyds tsb credit card (£11450 limit) £1000 on m and s credit card (£1200…
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minimum payment
Can anyone tell me why my minimum payment is more every month, even though I'm not using it ?
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Section 75 vs travel insurance
Hi all, I am about to pay the balance of my honeymoon (in the next two weeks), having already paid the deposit. I am thinking of paying the money with my credit card, and then paying this off straight away, so I get the Section 75 credit card protection for purchases over £100. Where I am confused is that I have just read…
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Getting Credit in Retirement
Hi y'all. I am approaching my 60th birthday, at which point I will start to receive some pension income, supplemented by an income from separate retirement savings. I was made redundant some time ago, but fortunately had a generous redundancy payment that will support my usual lifestyle until my retirement date. While…
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Credit Card charged twice
I'm wondering if anyone can help me please? My boyfriend recently forgot to pay the Congestion Charge, and as such we got a £60 penalty notice through the post which we paid straightaway on my credit card. When I got my credit card bill though I noticed that I had been charged twice. We called TFL straightaway to highlight…
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In credit on my credit card.
I accidentally made an overpayment on my credit card which has left me £103 in credit, however I want to cancel this card altogether - will they send a refund or do I have to spend on the card to the value of £103?
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Barclaycard full and final offers don't exist!
I have recently made a full and final offer to Barclaycard along with Barclays my other creditor. I received a letter today from Barclays saying that the offer had been declined with no explanation at all. I rang them to find out the reason but they could not give one. I have looked at the lending code and as i take it…
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MBNA warning - account not closed!
I received a letter in March telling me that MBNA were putting the interest rate up on my credit card, but that I could opt out of this by closing the account and continuing to pay off the balance at the previous interest rate. I sent them a message through the online account manager confirming I would close the account,…
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Whats the best way to spend in the USA.
I'm going to the states in Sept and want to know what is the best way to use my cards or what are the best /worse cards to use. I have the normal cards nat/west cap/one barclay you know the kind. I think what i'm asking is would it be better to charge it all and pay when I get back or use my debit cards over there?
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Amazon Credit Card - Bank of America
A couple of months ago I made an expensive purchase with Amazon so took advantage of the 12 month interest free card. The free interest was for purchases via Amazon only. A couple of weeks later I made another couple of purchase from other stores using the new card. I paid for the non interest free purchases in full…
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Lost cash from Debit card
Hello everyone, I really have to compliment for making this great website as it does have so many information that you can use it. I have read some of the articles about how to get your money back if you pay through a credit card and you purchase something online etc and you do not get your item. Unfortunately in my case I…
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Change in Credit Limit
I have been with Lloyds TSB for 10 years + and they suddenly decided this year to slash my credit limit by over 10 thousands without even telling me. As soon as they did it I went over my limit (due to not knowling) and so I got charged. Since that time my credit score has gone down and down because I cannot keep under the…
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Rejected for credit cards despite CreditExpert score of 999!!!!! Why???
The title says it all. I applied for the Post Office credit card 2 years ago and got rejected. Wasn't too bothered at the time but have recently applied for the Santander Zero card and got rejected again! I have no idea why this is since I have never had any financial problems in the past and look after my finances…
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Some Help, Need to improve credit score!
So i went to purchase a laptop today and i was declined credit, so the man suggested Experian credit report, i signed up and it showed i have a very low credit score? However i do have a mobile phone contract, which i have been paying in full only 2 months old for 36 months. The way to improve my credit score according to…
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insurance auto renewal - contractual obligations
I authorised The AA to automatically renew our Roadside Recovery insurance using a CC. The CC got lost/stolen and I was issued a new CC (with a new number) by BarclayCard. I didn't bother to tell The AA about the new CC because I did not want to renew the policy. I received a letter from BarclayCard informing me that for…
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Problems making a 'Faster Payment' to MBNA
I'm at a stalemate with MBNA and Barclays and wonder if anyone can shed any light on the problem for me. On Thursday morning I went into my Barclays Bank branch to make a 'faster payment' from my Barclays current account to my MBNA Amex card. No problem the bank said and took the details from me. The MBNA account number…
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How do I claim my Halifax Cashback?
. My CC bill arrived today, its a Halifax one cashback card and it shows that I have £115 accrued. :j But how do I get at it? :mad: Nowhere on the paperwork does it tell me how to access my money - I have emailed them buy can anyone help? .
