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'Sale' of UK debts with DCA's to French collection agencies?
I unfortuantely have large UK credit card debts which I am no longer able to repay as my business has suffered with the recession, my partner has lost his job and my living costs (mostly mortgage) exceed my income. Although most of my work is still in the UK, I have lived in France for nearly 4 years and have no assets at…
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Better to miss payments and have debts moved to a debt collection agency??
Hi guys, hope this is the right area for this post... I'm in a real mess with my credit cards, I have 3: Egg - £2590 MBNA - £3000 Tesco - £2000 Basically the minimum payments, around £200 a month in total, are just crippling. Been scraping through each month, never getting anywhere with paying them off, and the only way I…
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PrivacyGuard - warning
Hi All, I'm not 100% sure where to post this, so feel free to move it to the most appropriate board! I signed up for a free 30 day trial with PrivacyGuard (access to your Experian credit report). To be fair I was doing it purely for cashback, however I received the most unprofessional service and want to warn anyone off…
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what is the interest rate for 0% transfer??
Hello All, If I get 0% banlance tranfer with 3% transfer fee for a year? What is the interest rate? is this same as 3% interest rate??
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Credit card early settlement offer
Hi, I have had this credit card for approximately 12 years. I took it out to get me through Uni when I was a single parent. Around 5 years ago I arranged with them to pay a small amount off each month and had the interest frozen as I could not afford to make the minimum repayments - I live with my partner in his house with…
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Applied for a Capital One Card
I just applied for a Capital One credit card to try and rebuild my credit history and went through the whole process (include signing a credit agreement online), and I was expecting a decision online as to whether I would be offered a card or not. Do all applications go through to the credit agreement stage or does that…
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Credit card company reported me to credit reference agency.
Hi, I have generally good credit over the last 5 years however this recently happened. I was allowing a credit card balance to sit happily taking the mimimum payments over the last 6 months. That was fine by me as this had been the intention. However they charged me a payment protection plan that wasn't automatically taken…
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silver credit card
I opened my card on the 24th july, now I can do a 0% balance transfer for 6 months within 90 days of the account oppening. Now does the 6 months start from the 24th august or 6 months from the transfer as the site isnt clear.
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Credit Card Application on a Scholarship
Hi, I am a Ph.D student on a tax-free scholarship. I am considering purchasing a new computer and would like to apply for a 0% purchases credit card to split the cost over 12 months. How should I state my income on an application form? a) Just state my income as-is b) Use the Listen To Taxman website to calculate what my…
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Why can't I get a credit card?!
Hello, I've been trying to apply for a new credit card. i have an excellent credit rating but I've recently applied for 3 (Tesco/sainsbury's/barclays) but all been rejected. I don't want to apply for any more as this could affect my credit rating?? Any thoughts? Thanks
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Vanquis?
Can someone explain Vanquis CC interest to me please? I took the card out with 39.9% APR due to having zero credit history and they were the only people who'd have me. Just phoned them now after a statement, my APR has apparently gone up to 69.9% and on this month's balance, despite stating that my monthly rate is 4.519%…
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Cabot Financial: Using intimidation?
Hi Cabot Financial have just sent me a letter saying I owe them £298.80 from a CitiFinancial credit card used in 2000. Needless to say I know nothing of this debt but it sent me into a panic. What worries me is the intimidating tactics they use which could panic more vunerable people into paying these low lifes. The letter…
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Debenhams Card Credit Charge
Apologies if this has already been posted, I did do a search but could not find reference to this warning. Debenhams Card has moved to Santander Cards in October 2009, having previously being provided by GE Capital Bank Ltd. One of the new conditions being imposed by Santander, is that a £10 charge will be applied to any…
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Cancel old unused cards and the impact on credit history ??
Hi, According mse credit card help section closing credit card accounts will improve my credit score. But I've heard a different theory which says by doing so will wipe my credit history associated with that card. When I checked my credit report recently I think there's some truth in it, let me explain My first credit card…
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Can you close a CC with a balance?
I know the title sounds a bit daft! I've a credit card - well a number of them. I've been playing with the idea of a dmp. However, are CC open to accounts being closed so that the card can no longer be used, and the balance paid back via minimum payment (or more). I know the Egg did this pro-actively a few years back, but…
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Halifax CC validation
I recently received my new card and was surprisd to see that I had to ring a 0870 number to validate it. Usually these number are 0800 free calls. However, I did get an alternative number from saynoto0870.com so it was still a free call for me. Needs to be free because it turns out to be a long call with all the "spiel"
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Reduce inflated credit card interest
Hi, I was made redundant a year or so ago, and as a result my finances suffered a bit. During this time my credit card company raised the interest level on my credit card to 29.9% from about 12% - which would have been because of increased risk. I am back working now and paying all bills and trying to get back on top of…
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employment length and applications?
I have a balance on a credit card which i would like transfer to a 0% deal. I have never been late on payments, and only normally pay the minimum leaving money still on the card. I am on the electoral role and have checked my credit history but i have only started a new job 2 weeks ago. Does anyone know if this would be…
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Post Office - change in T&Cs re: positive balance
Hi, Did a quick search but didn't find anything - thought this might be worth mentioning. As of a leaflet dated 1st November: '...you will not be permitted to have a positive credit balance on your Account. Accordingly, after this date, any payment you make that results in a positive credit balance will be rejected.' I…
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Balance transfer question- please help!!
Hi there, Just need some advice...I have a £4000 credit card bill with barclaycard and the interest is quite high. I would like to transfer my balance to a card with a 0% interest..I am aiming to pay of this debt within a year. Which is the best card to go with??? Thank you! :money::eek:
