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Getting Virgin CC (MBNA) to reduce BT fee
I am, it seems, never without some sort of BT or Money Transfer from Virgin. I was just wondering if anyone has managed to negotiate a lower fee? I currently have a 13 month offer. BT fee 2.98%, MT fee 4%. Due to Egg Money changing their T&Cs to not allow positive balances, I want the cash to end up in my current account,…
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Nationwide slashed my credit limit :-(
Just got my September statement for my Nationwide Gold credit card. Previously my limit was £3,500 - my August statement had a balance of £548.13 which I paid in full, on time (as I always do). I noticed on my September statement that my limit is now only £500 :eek: I know they are entitled to "review" my limit at any…
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Over Payment
Hi, I have two credit cards (Capital one, and Vanquis) my capital one card has a 1,500 limit, my Vanquis one has a 2,250 limit. I would like to make a purchase that is higher than my card limit, would i be able to over pay on my card so i have a positive balance?? and then use the card to make the purchase? Around 3k?…
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Credit Searches on file: How many is too many?
How many credit searches on file is too many to be considered for credit? Last time I looked I had 3 searches. I'm not sure what one of these was (possibly contents insurance renewal) but I know the other two were for a job, and for a credit card. The job one should was now more than 12 months ago, so should no longer…
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Capital one - full & final settlement advice please
Please can any you advise me on the following: I owe £6547.07 to capital one and am on a payment plan of £100.00 interest free which was agreed by them. 2 months ago I wrote to them offering a F & F of £3500.00 and they declined, my plan is now up for review and they said that they may be able to offer me a settlement on…
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Credit Card mis-selling
I've recently heard that some people can clear their credit cards if they were mis-sold them (or some other similar small print reason). Is this correct and if so is there a list of Credit Cards that this applies to?
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my wifes credit card is higher than she thinks?
help im in a mess i borrowed my wifes c card for to pay a vet bill but was scared to tell her, since then ive been hiding the post and paying it, but its a lot higher than she thinks now we are after a mortgage and scared it will show up on a credit check? but its a acard she has had over 25 years so i heard old cards dont…
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Credit Cards for Homemakers 2010
Did a quick search and couldn't find anything so thought I would start a thread. My wife in the past 12 months has been accepted as a homemaker for the following cards, she has spotless credit history but not much credit taken. Capital One - Sep 09 ago £100 limit closing to £200 now closed Halifax All In One Card - Nov 09…
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Aktiv Kapital
Hiya, I recived a letter from Aktiv Kapital on the 24/08/10 stating that I owed them £392. I phoned them to ask what the debt was relating to and if i could have a copy of the original credit agreement. There response was to say that i needed to write a letter asking for the credit agreement, which i did. I recived a…
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credit card hiking - poor excuse from bank
Hello, I have been complaining to Lloyds TSB recently about Hiking in my credit card. basically in July I told the cust serv team that I am not happy about this and also I am going thru fin hardship etc. April 2010 new rate increase by 3.5% p.a (small print on statement) I have not spent on it since March 2010. July - they…
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Paying off a CDL loan with credit cards
Hello all, I have a CDL loan from Barclays that will start accruing interest at 9.9% very soon. I have done some research (mainly this excellent site) and decided that I will shift the debt onto credit card in order to pay less interest. The intention is to pay everything off in full (£7,500) within 12 months. What I…
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Credit reference agencys
Hi, please can anyone help,i checked my bank account today to find 40.00 had been taken from my bank, 20.00 by a company called HIGH CREDIT SCORE and 20.00 by a company called REWARDS NOW apperently i applied to see my credit report and in doing so signed up with this other company, they both took money from my account,…
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very high interest
I know that this is my fault but I have had a number of credit card bills for years and now I am getting concerned. i am up to the limit on 2 out of the 3. I don't have a problem paying the bills each month - but last year (before I realised that I could reject this increase) one of the cards increased the interest to 34%.…
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Cheapest kitchens in britain CONMEN
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Are you protected regardles??
I have a buyer and I am informing them that by paying by credit card they are always protected etc etc... is this true? in their eyes they do not want to send any advance payments without security but I am stating to them that credit card is the security. Is this correct? regards.
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Transferring balances - why can't they?
I've just applied for the Easy Rate Halifax credit card in order to transfer balances from 3 other credit cards. After sending back the credit agreement, I've received a letter saying that the balances from 2 of the cards can't be transferred because they're cards that are all underwritten by Bank of Scotland. My gripe is…
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Debit Card Fraud Attempted stopped, will this count on CIFAS?
Basically, somewhere along the line I've been a complete idiot - and my card details have got out. I'm absolutely astounded it's happened to me to be honest, I don't use windows for security purposes, I am usually very alert to online scams etc (Up until recently I worked in IT, and specifically security.... Only recently…
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Advice Needed please on how to stop charges
Hi wondered if there was anyone who could offer me a little advice. I have an old creation account, it used to be mk1 card till it chaged over. I only have £150 credit limit on it which i used to use and pay a standing order every month and never had a problem. When mk1 closed a couple of years ago I never really used it…
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Lloyds TSB Airmiles companion fare - anyone been able to change the return flight?
There are such limited dates available to use the companion fare, and I want to book a flight for my husband and I to Brisbane from London, but he will need to fly back earlier than me. Airmiles say the ticket is strictly non changeable - but has anyone had success in changing the return flight - ie are there special…
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Repayment rates...
I'm sure i read recently that there was going to be a change to the law in relation to credit card repayments but i cant seem to find anything. I thought i read that the new law would mean all payments made would go towards reducing the amount that was being charged at the highest apr first? Where as at the moment any…
