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How feasible is this?
Hi, I'm looking to buy a house shortly but my plan to finance the house purchase has a few issues which I need to look into. Currently I have no debt and a good credit rating but no deposit... I earn £24000 a year and the house price is £90,000 with it's valuation at £120,000 I'm looking to get a base rate tracker mortgage…
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Capital One - payment plan review
Dear All, I have been on a payment arrangement with capital one since January 2009. I have received my payment review letter asking me to confirm my outgoings/income and what I can afford to pay. I currently pay £100 and this is all I can still afford to pay, unfortunately not in a position to up it. At the bottom of the…
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Help guidance please, Section 75 or Service not received claim
Hello, during holiday in France my car broke down and was repaired by towed away and repaired. We collected the car £270 the worse off only for the car to break down an hour later, same fault. Again the the garage tried to repair the car and admitted they couldn't repair it. Another garage fixed the fault and told us the…
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Help!! 0% cards ending soon & reached a dead end
I've got two cards, (Virgin & Halifax) with their 0% deals ending soon but I've reached a deadend in trying to move to other card deals. I recently tried applying for the RBS 0% offer on Martin's advice but was refused with no explanation.:( Now I've just tried to move the Virgin debt to my Barclaycard Simplicity account,…
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No hope for credit card?
I went into the bank last week and was thoroughly fed up by what I was told. I'd gone in for one of their 'reviews' (which was a waste of time in itself), and to enquire about the possibility of a second credit card. As I am self-employed, I was interested in having one which was purely dedicated to business in the same…
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I've been offered a 'guaranteed credit card' ...
I thought they didn't exist, as did uswitch apparently. Other than the fact that I would be given a Halifax Clarity CC without a credit search the details have been very thin on the ground, which make me feel like this is less than legit, but it's what I'm being told to my face by Halifax employees which I would have…
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improving my credit score
:mad:HELP HELP HELP! I have a really bad credit score, caused when i was just 19yrs old im now 26. i use experian to check my report regularly i have, and capital one credit card even though i cant get loans or any other kind of credit. i pay for my weekly shop on the card which only has a limit of £100 then i pay it off…
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Some advice re credit card/ATOL
I am in the process of booking Round the world tickets with a outstanding balance to pay of around £2,500. However, the option is to book under by debit card with no charge but the company is ATOL protected or I thought it might be better to pay under credit card for extra security however there is 2% charge which works…
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Which Credit And Debit Cards Are Best For Worldwide Travel
Hi, i'm rick, new to the forum, would much appreciate some help. I am off round the world for 6 months starting from november 1st. USA, Fiji, New Zealand, Oz, and Thailand. I was originally going to get a Nationwide Flexaccount but November 1st is also when they scrap their travel-friendly features so I am looking at…
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Credit Cards vs Consolidation Loan Advice
New to the forum folks and I just wanted to sanity check my current thinking. I have £14500 worth of credit card debt spread over 4 cards all with high apr. On previous visits to the site the preferred wisdom in the articles on the subject appeared to be to avoid consolidation loans and rather pick them off one by one and…
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Help Getting credit - 19yo Employed
Hi All, Im 19yo and would like a credit card. Im in full time employment and thought i would not struggle in gaining a card, however i was wrong First of all i applied online for a tesco credit card and was declined and then after a month or so applied online for a halifax card (as halifax is my bank) and was rejected.…
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Not Higher Enough Limit!!!!!
Hi, I was wondering if anybody can help me please. We have just bought a car using some savings and some loan, which is at 4.99% apr and am trying to get around £10k on interest free cards to pay off the loan and reduce balance quicker without paying interest. So we applied for a credit card and only got a limit of £1650.…
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Santander Credit Card APR
I have a Santander credit card. I recently recieved a letter saying my interest rate would be going up to 34.9% variable. It says that if I'm not happy then I can freeze it at the existing rate and close my account once the balance is paid off. I spoke to Santander customer services and asked why was it going up this…
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Prepaid Card abroad?
I am going travelling in Colombia and Brazil in November/December which is just as Nationwides flexaccount stops giving free withdrawals. After doing some reserach it appears that a prepaid card might be the best alternative? Can anyone reccomend a prepaid card or any other solution that will be best for withdraing money…
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is anyone having probs with capital 1 today
hi i called cap 1 to pay off some of my balance and they have 1 payment that i didnt make on my card the man at capital 1 said they are having probs today and they would sort it out and take the payment off but i can not use my card as with that payment on it it has taken me too my max she said it could take 2-3 days to…
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no longer necessary
no longer necessaryno longer necessaryno longer necessaryno longer necessaryno longer necessaryno longer necessary
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who will take me on for a 0% balance transfer
Im not working and not claiming benefits..im not likely to work again...what i now do doesnt generate an income!!! My only income into a UK bank account is £348 a month works pension. I have a credit card debt of £1800 approx. With such a low income who is likey to accept my cc debt with 0% interest for the longest period?…
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River Island / Santander Store Card - Late Fees
I've got a River Island card which has been open and being repaid for the best part of 2/3yrs now. The repayment date is the 18th of the month, which is a total pain in the !!!! for me as my payday is the 20th. I have explained this to them on numerous occasions and asked them to move the due date for me or make some sort…
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Current cleared balance is "-£997.39" What does this mean??
I'm a young banker, so I don't know all the ins and outs of banking (yet) so I apologise for my lack of knowledge on the subject. Well anyway, last nights balance was £1,003.84. My mum cashed a £1000 cheque in to my account and I checked my account today, and it says -£997.39. It may be possible that non-existent money was…
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Large Credit cards debts help please
I am in a bad position, as I guess many people posting here. I am also burying my head in the sand as scared to face facts. I now realise I have to deal with my problems so any help would be greatly appreciated. My wife and I have card debts (across 5 cards) of £32000+. We are really trying not to use the cards now but the…
