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Claiming money back for a lost item purchased on a credit card
Hi all Got myself into a bit of a pickle and hoping I can get a bit of reassurance here... I paid a substantial amount of money for a new mobile phone on Monday when I was out shopping in the city centre. Somewhere between leaving the shop and getting home (via public transport) I lost the carrier bag with the phone in. I…
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Unauthorised overdraft on a Halifax current account
I used my debit card to purchase groceries at Asda and then later at Tescos when buying some christmas presents; both payments went through fine. Two days later i checked my balance online and realised that i was now overdrawn (i had £10 less in the account than i thought, thus the purchases had taken me into the red). I…
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Tesco Finance website down all day
Tesco Finance website seems to have been down since early this morning. I suppose it's taking an extra day off on the sick like half of the other people I have been trying to contact today. The techie helpline said "they are having a few problems". Great.
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Credit Card Fraud Overseas (Spain / Morrocco)
We had a call from our credit card company early December asking if we had used our credit card in Spain and Morrocco, spending a total of £1400 over a number of transactions and over 3 days. We had not. In fact we had not used the card since August because we were running it down. Clearly fraudulent use ! Following a…
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Maxed out a £500 NatWest Student account credit card - should I balance transfer?
I presume I'm now on some kind of 'Graduate' account now that I've graduated, but these are roughly the details of the credit card I have now: natwest.com/downloads/personal/cc_Student_summary.pdf Is it worth me doing a balance transfer to another credit card? It's 'only' £500 the debt and I can most likely pay it off…
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santander card
Hi I wanted to know that if you recieve a mailing form santander card with partially filled application, are you guaranteed approval? Or is it subject to a credit check as well? Also do santander card accept applications from a student? As I know they dont in store cards as they have a checklist for store cards on line.…
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What is credit rating?
Hi all, I did a search before posting this but didn't find an answer, but apologies if it's been answered already! Basically I'm trying to further understand what a credit rating is, how it's affected and what it affects. My house mate told me the other day that he'd opened a credit card with no intention of using it…
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Anyone with experience of 0% BT with Virgin?
I have a Virgin CC with no current balance and need a BT to move from Satander Zero where the 0% is soon to expire. Virgin is currently showing a Life of Balance on the website but has anyone been able to get 0% for 12 months by phoning? What's the best approach, straight to BT or say I want to cancel the card and see if I…
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Capital One billing cycle
Good morning folks, could anybody possibly enlighten me as to what kind of billing cycle Capital One uses on their credit cards? Just got one of their cards, but I can't find any more information in their FAQ other than things down the lines of 'if you don't pay on time, we'll have fun charging you extra fees', which is…
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advice on debit card chargeback
Hi i'm not exactly sure if this is the right place since i've a debit card question but i followed a link from the main site and here i am I want to see if i can get some money back for a groupon deal that they were not able to complete after they'd taken payment. after at least 15 or more emails groupon have agreed now to…
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Incorrect Info
I carried out a credit search on myself recently as I am hoping to move soon and will need to get a higher mortgage. When I did the search however, I had a barclaycard listed for me at an address I have never lived at, know who lives there, or even visited. I did have a Barclaycard years back but paid it off before I…
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Virgin Credit Card - Student
Hi all, been on this forum plenty of times, but this is the first time I've needed to post! Near the end of my gap year before uni (Sept 09), I applied for a Virgin Atlantic White Ammex. They rang me up on my last day of employment to confirm a few details and accepted my application. When I said I was working for X, I…
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Section 75 - Retail Store
Hello, Just out of pure curiosity, is it possible to get a refund from your credit card provider if it's an actual physical shop that you purchase from? e.g. you walk into Argos and purchase a mobile phone, it doesn't work and they refuse to refund your money. Could you claim a Section 75 refund from your card issuer or…
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Multiple credit cards with £0 balance
Hi I have 5 credit cards that are all now cleared, until recently some of these cards had over £1000 on them which has taken me quite a while to clear. I am wondering now in terms of credit rating whether it will be better for me to keep the credit cards which are now on £0 or to cancel them? Thanks Chris
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Vanquis rebuilt my credit...do I now close it?
Long story short I had an average credit rating. I got a Vanquis card to improve this and a year later Vanquis have upped by limit twice and my Bank has offered me an increase on my personal loan and a credit card. My first question is as Vanquis is a credit repair card and it has obviously done its job. Do I now close the…
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Has anyone used AMEX's Purchase Protection for refunds?
I've purchased a pair of jeans which I've simply changed my mind about about 30 minutes later and the retailer refused to provide me with a refund. I'm thinking about using my AMEX card's purchase protection and it states that: "Should any UK retailer refuse to give you your money back on eligible items, we’ll refund the…
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Cancelled holiday - can i get back my surcharge
Hi, My holiday was canceled due to the snow disruption and I am currently in the process of trying to claim the cost back (they told me to try and claim on my insurance and if that didn't work then to send them a letter from the insurance company showing they refuse the claim - nut thats another story), however I'm not…
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CC Interest Rates - Working Out
Hi Guys Hope you have all had a good Christmas. I am in the process of updating my spreadsheet and I was adding my CC's that I am paying off to it. I would like to be able to calculate my interest and my payments in the future. I have used the snowball calc and looking at my CC I can see which one has the highest intrest…
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Can CC provider call my employer to confirm my employment status?
Just curious to know if its usual for a credit card or loan company to call your employer after making an application to confirm certain details made on the application like length of service or income? Would any special authorisation need to be given for them to be able to do this or does this happen anyway just by making…
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Balance transfer panic!
I went ahead an decided to get another CC so i could transfer thebalance from my existing CC to one with a lower rate. I have a Tesco Card and now a new Natwest one. While filling in teh online application i put the tesco card detials in as teh card i'd like to transfer a balance from, along with a store card at the same…