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How so I stop these payments
Hi, not sure if I'm in the right place for this question but here goes. I have been paying a company £62 per month for a product I bought from them I have tried to stop the payments now it is paid for but the bank say I have to contact the company direct and I only have their web site and the phome numbers listed on it…
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Change to Co-op T & Cs
I have always regarded Co-op bank as one of the more ethical lenders but am starting to question this after having a skim through the alterations to their T & Cs. On the subject ot what we call "ratejacking", they announce that you have 60 days to reject a rate rise and will no longer be able to use the card. No problem so…
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Help with deceased estate
Hi, Could anyone offer me any advice at all? My uncle has passed away quite suddenly and unfortunately didn't leave his affairs in much order. Myself and my brother are his only relatives, he had no partner or children. Having sorted through the paperwork I've managed to establish he had no savings, no cash (other thans a…
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Help with Santander Issue
Hi Guys, A little speedy advice please if you could...I warn you this is going to be long-winded! I have a CC with Santander (Zero) and I knew my 0% period for the balance transfer was coming to an end sometime soon (no exact date, sloppy I know). Just opened my statement and they have charged me £21.42 in interest for…
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NatWest MasterCard YourPoints-Do they include insurance for damaged goods?
Good evening everyone. Does anyone know if the NatWest YourPoints MasterCard include any form of repair service for goods damaged accidentally? I (stupidly) dropped my iPhone 4 outside on concrete and the glass front screen smashed. I know I should've taken out insurance for it (and hindsight is a beautiful thing) but…
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Loyal customer but little help from Barclaycard , what to do?transfer elsewher or not
Hi Can anyone help? I have been with Barclaycard for years and have transferred monies many times . I have considerable debt with them so they always get a nice bit of interest from me, so I would like to think that I am loyal customer and would get treated so. I phoned them today and wanted to transfer more money from…
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Sloppy PIN security at MBNA
Horrified to read the report in today's Sunday Times about how it's possible to get a new PIN via MBNA's automatic telephone service with minimal security checks. Apparently this is "to reduce inconvenience for people who forget their PIN". Utter rubbish! Is there another provider which refuses to compromise security for…
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Late Payment Fee HALIFAX all in One credit card
Unfortunately due to my December credit card statement not showing up due to the snow plus catching the flu virus with the numerous bank holidays, I ended up missing my payment by one day. I would have done it online but I had the actual cash on me and needed to deposit it into my account. This is the first time I ever…
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Nationwide
Well quite surprised today, i realised my card runs out this month i have a credit limit of £9600 i owe £5600 and due to an accident in Jan last year i have been paying off £200 per month. In may i missed a payment but paid £400 the next month, i rang today and they said i need to pay the full amount off before they will…
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Able to get a card?
My current credit card is a RBS student cc with a £500. I'd quite like to get a higher limit for purchases such as a new computer. My current contracted salary is only £404 4-weekly (but I live with parents, and get overtime), so I can't see any other suitable RBS cards as they all ask for a higher salary. Given that my…
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Likelihood of being accepted for main stream card
Hi All, I have been mooching around for some time now and had many great tips from this site. Basically, I have been repairing my credit file for the last few years and all payments are up to date and have not missed a single payment since early 2008. My file with Experian looks great. My file with Equifax not so great, as…
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Self Employed - Barclaycard Pre-Check Declined
Hey guys, I just ran through the barclaycard pre-checker to see if I could get one and was greeted with the following: "It’s mixed news - You're not currently eligible to apply for a Barclaycard but there may be alternative products with other providers" I filled out that I was self employed earning £9320 pre-tax in the…
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Increasing Credit Rating
I'm planning to spend a bit more than usual on my credit card (which is about 19%) to help boost my credit rating a little. Although I checked my rating with Experian, there seems to be loads of posts that indicate my 999 result isn't particularly useful, so I thought I would do something a little more proactive. My…
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Credit Card Abroad
I'm off to Las Vegas in April this year for a short break and want to know the best way to take my "spending money abroad" Is this via Travellers Cheques or pay on a credit card and pay all of it off as soon as I return If it is a card, which is the best deal around
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Paying off a Credit Card
Hi. I have a credit card which has a £1000 limit and owe just under £500 on. I'm selling my car this week (on eBay and it ends Sunday) hopefully for around £1200. With the money I'm going to pay off my cc fully and reduce my overdraft ( Its £1300, usually gets to about -£1100 before i'm paid). Will this improve my credit…
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Halifax clarity rewards credit card - how does the cash back work
Can someone confirm how the cash back of £5 works for those with the clarity rewards card. If i spend £300 between now and the next bill i should get £5 but do they 1. just deduct that off the bill (ie does a £300 bill become £295 bill) 2. Add it up over the year like some do and you have to claim it back 3. Do they pay it…
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Interest rate hike - Customer Services don't understand
Hi all, Quick question, hoping for some help from someone who has experienced this before because I can't quite get my head around it. I've had a letter from Barclaycard about my Gold account, they are going to increase my interest rate and I have until 31st March to reject the hike. Fair enough, I've got no problem with…
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made my mind up I wanna be Debt Free
I would be grateful if anyone could check over my SOA. Thanks Statement of Affairs and Personal Balance Sheet Household Information Number of adults in household........... 3 Number of children in household......... 1 Number of cars owned.................... 1 Monthly Income Details (a)Monthly income after…
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Can't Decide what Card to get!
Hi. I am not sure what card to get :( I have an Excellent credit history (999 on Experian) and my current card is having it's interest increased to 19.9%. So I am going to move. I will also be moving the existing £1,500 balance across so that I only have one card. Now, do you think it's better to get one card with a low…
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Overdraft - credit card - is it a good or bad move?
Please excuse my eargerness, I posted this last bit in DFW but havent had a reply as yet and want to get things moving before Feb kicks in, with more charges with Halifax . Quote: Originally Posted by Nicky321 In order to clear the O/D was thinking of balance transfering £3450 (£3588 inc 4% BT Charge) to Virgin Card on…