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Help: unauthorised transaction
Hi, Could anyone please tell me who is responsible for an unauthorised transaction in your bank account and whats the best way of handling it. The story with me is that $2000 (£1,300) has been withdrawn from my halifax account to an american computer company which i have never heard of 5 days ago. I had bought a product…
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"poor" credit but limit increased.
hello all at the dire knowledge that our housing benefit would take a dive, I managed to earn £800 in overtime in a few months, and managed to spend £300 clearing some credit card and the rest on much needed home items (moved recently) anyway, I have had refusal after refusal for 0% CC, and its due to a bank charge…
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IKEA No Longer Charge For Using Credit Cards
I was in my local IKEA yesterday and the cashier told me that they no longer charge for using credit cards. I couldn't find this posted elsewhere, apologies if it has been.
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Nationwide credit card renewals
My NW credit card has an expiry date of 12/10 and I need to put the details of the card on to a forward holiday booking in January, and quite correctly it won't accept my current card. How soon before expiry do NW issue a new card, and can it be hurried up. I have asked NW by way of a secure message, but they haven't…
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Lost job - debt problems
Hi - I need some advice. In short I have lost my job and need some cash from somewhere to cover me over till I start working again. My income is the standard job seekers benefit (£70/wk). My debts are: =£8000 on credit card. I have stopped payments on this in line with Credit Counselling Service =£2000 on overdraft. This…
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credit card repayment tool??
Hi everyone, just wondered if anyone could help as could not find what i was looking for on this site. a while ago there use to be a tool on here where you could put in all your credit card debt amounts, the interest rates of them, and the amount you can afford to pay to them all per month. this special tool thing would…
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Credit card debt - Any ideas?
Hi Guys! Long time reader of the forums, only the second post for me. To sum things up for you – I am 34 years old and live at home with my parents. I have almost £10,000 in credit card debt over 5 different credit cards but I am currently in the process of tackling this debt head on. My credit card debt is as follows:…
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Halifax Clarity Credit Card
I'm a bit new to credit cards - so apologies if I am asking a simple question. If a apply for this card and dont use it to make any purchases and cancel it after two weeks will I be charged anything? Or If I use the card to withdraw some cash whilst on holiday and when I return after two weeks pay the full amount off and…
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Faster payment lost by Barclaycard
I'd made a payment on Monday 30th August via HSBC internet banking to pay my Barclaycard. HSBC have confirmed it was processed as a faster payment and should have been received by Barclaycard on the same day. All the account details were correct. No payment is showing up as received on my Barclaycard account. I called…
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Legalised theft? - Help please!
I took out a Barclaycard (BC) in 2002 with an interest rate of 19%. BC's excuse for such a high interest rate was that I was considered high risk as I was 'self-employed'. By 2003 I had used £1,430 of a £2,000 facility and never missed a monthly payment. In 2004 BC increased the interest rate to 24% without notification or…
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Why rejected for tesco credit card?
Just a question on why my partner could have been rejected for his tesco credit card. Few bits of info about him - Hes 24, He has never had a credit card before, has savings in his isa, has never had a bank charge, sometimes in his overdraft but not on a regular basis, he has a student loan, never been late on any phone…
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CC interest crippling me - can I ask them to freeze the interest?
Hi all I have recently come to my senses and realised that I really need to get my CCs cleared - I owe around 4k in all which is a lot to me :'( Problem is, my ex has damaged my credit rating (long story inc joint account) so I can't get a new card with 0% balance transfer. If I talk to the CC Companies, will they stop the…
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How Long For Marker To Clear On Credit File
I currently have a Halifax One Credit Card. In July I changed me bank accounts from halifax to the coop bank I used Coop's switiching service to transfer DD/SO over. Somewhere along the way the 2 companies didnt communicate properly with each other and my DD from the credit card got missed for the month of August. Halifax…
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PPI - was I ripped off, can I reclaim?
Barclaycard included PPI in my contract when I took out the card in 2002 even though I was self-employed (which they knew). I found out a few months ago that I was not covered under their PPI policy as self-employed so I cancelled the policy. I did not sign a separate contract for PPI. Can I reclaim everything I paid into…
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jimnom
I have just been informed by Nationwide that 2 x £500 + amounts have been "attempted" on my debit card. They have paid this £1100 and are now asking me if I authorised them or is it fraudulent. When I said that they were fraudulent they said that I should have a £29 per year insurance as it is the only way to guarantee a…
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Card Reader ?
Hi , Just been accepted for a Natwest Current A/c Plus , have had all the bits and bobs inc Debit Card with Cheque Guarantee ! Set up the online banking and one section said about having a Card reader (Free) to authorise payments etc ....... Could someone explain how this actually works ? do i have to carry it round with…
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interest rate increasing
i have lloyds tsb airmiles duo, interest rate currently 18.324% and going up to 20.832% in november. I have about £1040 on the card. I've heard of this balance transfer thing but don't fully understand, could someone explain and possibly recommend a good one to swap to Thanks
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Do shops in Spain use chip & pin?
I am going over and plan to buy some cigarettes (personal use only) from the Tobaccos shops. Do they use chip & pin or is it better to use cash - Euros or Sterling? Any help or advice welcome. Thanks
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Problems with New Yorkshire Bank Credit Card
Hi, I recently took advantage of Yorkshire Banks 0% on balance transfers credit card. I was accepted and asked for a balance transfer of £700. First statement arrived and I nearly collapsed on the spot when I saw that my balance was £5,780.00; minimum payment being £1,524.50. They had done two unrequested balance transfers…
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Credit card debt - will this appear on employment screening?
Hi guys Sorry I wasn't sure where to post this but as this is related to credit cards, I've decided to try asking here. I've just received a job offer with a large bank and they will be conducting a credit check. I know this regular procedure however I have been unemployed for around a few months and have been using my…
