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Section 75 and potential purchase
I was going to buy an ex display kitchen and pay by credit card. I wouldn't want the kitchen delivered for another 6 weeks as there's no space to store it. The company selling it have agreed to keep it in their storeroom, but say if it is damaged due to fire, storms etc. I will need insurance to cover this. I don't know…
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Using Credit Card to pay for holiday
Hi, I was hoping someone could help clear something up for me. I (stupidly!) paid the deposit on my holiday on my debit card. If I now go into the travel agents and pay off £101 of the balance on my credit card do I get all of the protection that I would have got if I had paid the deposit on my credit card? Kindest…
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way to use credit cards
Hello, I currently have 2 credit cards - 1 with 1st direct with a debt of 3k on a 5k limit and another with mbna currently no debt on a 5k limit which is offering a 4% cash transfer to a current account - I am moving home and need all my savings to use as deposit and then cash to do some fixing up on the property - could I…
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Halifax Clarity Card - Best Way to Use it?
I've just applied and been accepted for a Halifax Clarity credit card. Until yesterday I had a Nationwide Flexaccount which was used solely whilst abroad on holidays. I closed the account because of the upcoming charges when used abroad. What's the best way to use the Halifax Clarity credit card instead? Is it possible to…
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Homeowner, renter or other
Hi I'm hoping someone can advise me as to what to put my status as when applying for credit. I live with my fiancee and the mortgage is in her name. I pay money towards the mortgage each month and will be named on the papers when we remortgage in the next few months. Should I list myself as a home owner, renter or other on…
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Credit card charges on a cruise?
In November I am going on a cruise with Royal Caribbean. I will be using my Saga credit card, so they can charge my expenses to it. Can anyone advise me whether to choose A or B? This is a extract from the cruise ticket contract... FOR NON-US CREDIT CARDS ONLY CURRENCY CONVERSION AUTHORIZATIONIf you use a MasterCard or…
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Natwest world card
I have received a letter from Natwest today to say that they are converting my existing Mastercard into a Mastercard World card. It apparently has some "new insurance benefits", but does not list any drawbacks. It gives me the option to remain with my existing card. Is this a good deal or not? Should I opt out?
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best card for spending in the U.S.A.
I have had a nationwide credit card for a good few years and always found it a good exchange rate but now they have put a 1% charge on can anyone tell me a better card to use for spending (I never draw out money) so only for spending
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Why was I turned down?
Applied for a Halifax credit card to do a balance transfer (small). Got a letter from them saying my application hasn't been successful, but there is a passage a little further down saying that I can be assured that the decision is no way based on any adverse information on my report. I am thinking the only reason could be…
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let your CC company take you to a debt collector
A quick background (long): I have (had) a CC with the Post office. credit limit £2600. payments made regularly always above minimum and often cleared in full. I left the UK 2 years ago to work in America. In the states I was paid every 4 weeks and I paid £60 per 4 weeks minimum off my account. I never saw a statement as…
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Defaults on your record.....
Question to the forum. I have a default on my record which is affecting me at the moment. I defaulted back in 2005 to the tune of £7,000 on a loan i was struggling to pay back. I have been pay this off monthly ever since. At what point does my record become clear as i am looking to buy a bigger home soon and i am really…
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Credit card help
HI guys, I posted this in DFW but was advised to post it here as you might be able to help with the credit card query - any thoughts would be amazing!!! Hi Guys, I sent a message here a while ago when debt was getting the better of me and I'm happy to say that a couple of years down the road I'm getting myself onto an…
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Egg credit card T+Cs
Can access these from my account. Makes no mention of gambling transactions counting as cash. However, T+Cs on main site (for new customers) mention a £3 charge as for a cash transaction. Would these T+Cs override my ones. Or am I lucky that these new T+Cs only apply to new customers? I must admit I thought credit card…
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what can be done ??
my mum has just had a stroke and has got a large outstanding balance on her credit card (barclaycard) is there anyting I can do to halt the payments until she recovers as it will obviously be accumlating intrest I am so worried for her she has no savings and no security ie property
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Default on My File - is it game over?
i have a Default on my Equifax file. it was registered in February 2010. :( Is my credit rating now shot for 6 years? I understand i can try rebuilding with sub-prime cards etc but is there much point. for example, will i ever be able to get a decent proper credit card with Limit or will the default pull me down by most…
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Two Halifax Credit Cards... .
I have a credit card from Halifax but having had a Nationwide bank account for overseas spending now need to find an alternative and the Halifax Clarity card seems perfect. Does anyone know whether I'm allowed to have two credit cards with the same bank? whether they would refuse me a new one? or close down my current one?…
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Barclaycard application
Hi, I'm new to this forum and really I just need some advice. I recently applied for a Barclaycard and received communication from them on 20th August '10 confirming my application was successful and my card was ready and waiting. All I had to do was sign the enclosed credit agreement and return it in the enclosed…
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Credit Card - Credit
Hi, Can anyone help me with this ....instead of drawing money out abroad from an ATM thus giving it a debit and interest charges to pay on return home.......how about If I i did it the other way round. Put some money on my credit card - thus putting it in credit before travelling abroad - and then withdrew some of that…
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full and final,urgent advice please!!!!
Hi all, I have offered £946 for balance of £2254.Nationwide has sold this account to Kpr. And got reply back today,saying: " Once this payment has been received you will not bi liable to pay back the remainder of the balance,the account will be closed and correct amendments will be sent to licensed credit agencies." Can…
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Car Radio Code
Hi I am trying to find a code for the radio in my wife's ford KA. At some stage a previous owner replace the original Ford one with a Rover CD413X. The Numbers on it are: XQE000930PMA VDCD3042007512 - serial number A2C53099315 CG000447007512 Any help would be much appreciated Thanks Paul
