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Nationwide cut limit by £2000 w/ no warning
My partner logged into his Nationwide accounts today and saw that his credit card limit had been cut to £750 down from £2800. This was with no warning, though Nationwide claims they've sent a letter, which hasn't been received. He called up Nationwide and they told him that it was because they had re-evaluated and 'doubted…
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Should I buy Identity Theft Protection
I recently phoned Santander. My replacement credit card had arrived and I was instructed to phone to activate the card. Once I had activated the card, the person I was speaking to was then into their sales pitch to sell me an identity theft protection scheme. It transpired that I was not talking to Santander at all, but to…
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Credit report
Hi Does anyone know roughly how long it takes for your credit report to be updated to show a closed credit card? Thanks
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hhm
this is a test
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Being chased for a CC debt I've never heard of.
Hi, I'm being chased for a debt from Lloyds (through a DCA) that I have never heard of. I have never got any credit or had any dealings with Lloyds. The DCA eventually told me it was a credit card. I wrote a CCA letter to the DCA (on their advice) and i received some bank statements, but no credit agreement. I have looked…
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Capital One Classic
I've just been accepted for a Capital One Classic credit card, I'm a bankrupt and looking to improve my credit rating, so will be paying it off in full each month. I saw an article on here about it being 0% interest until your November statement, could anyone clarify what this exactly means? If I buy something up until…
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Credit card charges
I have two credit cards with Lloyd TSB and i didn't make any payment for last 6 months. Llyods TSB Added up interest and late payemnt charge (inc direct debit returns). Now i have received letter from debt collection agency, demanding for payments due. The arears are too high and the original balance is still there. I…
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Online shopping with a visa debit lloyds card
My card was cloned and money taken out for internet purchases, was not lost or stolen have it here just cloned internet wise, so my question is now I have a new one, the previous purchases I have made do the online websites keep my card number/details on their sites or is a one off purchase like the dishwasher, a few dvds…
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Quick Question -Credit Report
I have been going through my credit report trying to have a bit of a tidy up and was wondering if I have have a lot of historical accounts - ie for mortgages/credit cards etc that are showing as settled - do I need to write to the specific companies to get this physically closed off. ie - will it make any difference to my…
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Sainsburys Gold Credit Card - new possible card for foreign travel?
£5 monthly fee... But..... http://www.sainsburysbank.co.uk/credit_cards/cca_gold_card_tv.shtml?source=NETNECTRGLDDMAIN0020 Uses Mastercard exchange rate for Currency conversion Interest free on purchases and cash withdrawals when you pay the balance in full No Fees for foreign currency & cash withdrawals Free family…
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Received a Mailshot (Halifax)..Better Chance?
Do they hold some positive information on me??? My score is 967 at the last viewing.....??? Want to make sure I don't trip up!!
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Help Declined Natwest Credit Card
Hi I have £4930 on a virgin card and £496 on a Barclaycard. I thought I would apply for a new one to transfer the balance. I earn £1500 a month and checked my credit file before I applied and I have been declined. They said it was to do with my credit file and I am devastated. I have never been declined credit before and I…
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Credit Card Company taken payment for £5500 instead of £500
:mad: I pay my credit card in full every month by direct debit. This month the card company took £5000 more than they should have, this has left me £2500 overdrawn on my current account. They admit this is their mistake but say the only way they can pay it back is by sending me a cheque which will take at LEAST 7 working…
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Could I have some suggestions please!!
My Scenario... Mortgage 60K Santander HSBC Loan 10k (to clear) (short term loan) Credit Card 6K Wages 17k Full Time Governmment 9 years 6k Disco Business(SE ONLY 1 part years account 2009 3K) Experian Credit Score 967 last check 2 weeks ago!! Homeowner (1 year) Valuation...110k local Estate Agent.... Santander 85k. Zero…
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IVA's
Can I still arrange an IVA if I am now resident in Shanghai?
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Unauthorised payments on Nationwide CC
Hi. I checked my online bank tonight and seen that someone had used my credit card to pay off £50 to one of those small loan companies, and £290 to "Kitchen appliances" that has no location on the statement. Just been off to Nationwide and told them to freeze the card until I can phone the security department tomorrow.…
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Halifax credit card new t&c from november 2010
Halifax credit card has just issued it's new Credit Agreement which will be valid from November: 1.From November monthly payments will go towards the highest rate first. 2.If they decrease your interest rate it will be valid immediately 3.If they increase the interest rate, they will have to give us 60 days notice in…
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Want revenge! No written contract so can't dispute payment
I'm a sort of coach. I was cold-called from the US by a "success coach" over there offering marketing coaching. I was interested enough to book a first, telephone coaching session with them, and paid by credit card over the phone (just over £200) The coaching session was dross. Basically I had paid them for the priviledge…
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Approx interest
I think my credit card provider are calculating my interest wrong Opening balance on statement £570.56 Payments £387.00 Spent £205.15 Closing Balance £388.71 Interest rate per month 1.53% and i get 30 days (i think) interest free so i shouldn't pay interest on the £205.15 can somebody tell me the approximate interest i…
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Warning Lloyds TSB Charging 26.4%
Lloyds TSB are currently advertising their Platinum Credit Card at 15.9% People need to be aware they can change your interest rate at will due to "individual circumstances" - they have written to me today putting my interest rate up to 26.4% which is scandelous in my opinion. Dont take advertised rates at face value. My…
